<SEC-DOCUMENT>0001140361-24-040588.txt : 20240909
<SEC-HEADER>0001140361-24-040588.hdr.sgml : 20240909
<ACCEPTANCE-DATETIME>20240909161702
ACCESSION NUMBER:		0001140361-24-040588
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20240909
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240909
DATE AS OF CHANGE:		20240909

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NBT BANCORP INC
		CENTRAL INDEX KEY:			0000790359
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		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:		241287456

	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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    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 12pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_593d9696c44e4e06a901dfbf23c55c7a" contextRef="c20240909to20240909">8-K</ix:nonNumeric></div>

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    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Pursuant to Section 13 or 15(d)</div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">of the Securities Exchange Act of 1934</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: center; color: #000000; 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_ccff6bc9bc504f148eb45e496576f28b" contextRef="c20240909to20240909" format="ixt:date-monthname-day-year-en">September 9, 2024</ix:nonNumeric></div>

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    <div style="text-align: center; color: #000000; 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 style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(State or Other Jurisdiction</span><span style="font-size: 10pt;">&#160;<span style="font-family: 'Times New Roman'; font-weight: bold;">of Incorporation)</span></span></div>
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            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(Commission</span><span style="font-size: 10pt;">&#160;<span style="font-family: 'Times New Roman'; font-weight: bold;">File Number)</span></span></div>
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            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(IRS Employer</span><span style="font-size: 10pt;">&#160;<span style="font-family: 'Times New Roman'; font-weight: bold;">Identification No.)</span></span></div>
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    <td style="width: 2%; vertical-align: bottom; font-size: 10pt;">&#160;</td>

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    <td style="width: 49%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: bold;">(Address of principal executive offices)</div>
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    <td style="width: 2%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="width: 49%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: bold;">(Zip code)</div>
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    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: center; color: #000000; 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_9bce0ff71fe84e448f2dc81320e72044" contextRef="c20240909to20240909">607</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_54151880f72c42b79b326bfdc4260614" contextRef="c20240909to20240909">337-2265</ix:nonNumeric></div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Not Applicable</div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Former Name or Former Address, if Changed Since Last Report)</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; 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="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

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    <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_cc98380b0fa247ada96e8e7c945ad467" contextRef="c20240909to20240909" format="ixt-sec:boolballotbox">&#9746;</ix:nonNumeric><br/>
          </td>

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

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    <td style="width: 18pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_08793180edc24c2d97525cdef945c83c" contextRef="c20240909to20240909" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
          </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';">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: 18pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_35f73fb859cc439696092088551233f6" contextRef="c20240909to20240909" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
          </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';">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: 18pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_b81b94c86ba2443a878baf2c093ff119" contextRef="c20240909to20240909" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
          </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';">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="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

    <div style="font-size: 10pt;"><br/>
    </div>

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    <td style="width: 37%; vertical-align: top;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="text-decoration: underline;">Title of each class</span></div>
          </td>

    <td style="width: 26%; vertical-align: top;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="text-decoration: underline;">Trading symbol</span></div>
          </td>

    <td style="width: 37%; vertical-align: top;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="text-decoration: underline;">Name of each exchange on which registered</span></div>
          </td>

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    <td style="width: 37%; vertical-align: bottom; font-weight: normal; text-align: center;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_a09ab5e7830145c5aefc108416510c22" contextRef="c20240909to20240909">Common Stock, Par Value $0.01 Per Share</ix:nonNumeric><br/>
          </td>

    <td style="width: 26%; vertical-align: bottom; text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_13c99ef8b46f497699b05c267af1f7d7" contextRef="c20240909to20240909">NBTB</ix:nonNumeric><br/>
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    <td style="width: 37%; vertical-align: bottom; text-align: center; font-weight: normal;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_0bcee15d51314e0baee245a9730ba8ed" contextRef="c20240909to20240909" format="ixt-sec:exchnameen">The NASDAQ Stock Market LLC</ix:nonNumeric><br/>
          </td>

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    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of
      this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

    <div style="font-size: 10pt;"><br/>
    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_54a25eb9b2ff4001b64fab241f2be3e7" contextRef="c20240909to20240909" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; 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="font-size: 10pt;"><br/>
    </div>

    <div style="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>

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        <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: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 1.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: bold;">Entry into a Material Definitive Agreement.</div>
          </td>

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    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">On September 9, 2024, NBT Bancorp Inc. (the &#8220;Company&#8221;) and NBT Bank, National Association (&#8220;NBT Bank&#8221;), the Company&#8217;s subsidiary bank, entered into an
      Agreement and Plan of Merger (the &#8220;Merger Agreement&#8221;) with Evans Bancorp, Inc. (&#8220;Evans&#8221;) and Evans Bank, National Association (&#8220;Evans Bank&#8221;), Evans&#8217;s subsidiary bank, and pursuant to which the Company will acquire Evans.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Subject to the terms and conditions of the Merger Agreement, which has been approved by the boards of directors of each party, Evans will merge with and
      into the Company, with the Company as the surviving entity, and immediately thereafter, Evans Bank will merge with and into NBT Bank, with NBT Bank as the surviving bank (the &#8220;Merger&#8221;).</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Under the terms of the Merger Agreement, each outstanding share of Evans common stock will be converted into the right to receive 0.91 shares of the
      Company&#8217;s common stock.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The Merger is subject to customary closing conditions, including the receipt of regulatory approvals and approval by the shareholders of Evans, and is
      expected to close in the second quarter of 2025. NBT and NBT Bank have agreed to appoint David J. Nasca, President and Chief Executive Officer of Evans and Evans Bank, to their boards of directors.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Concurrently with entering into the Merger Agreement, the Company entered into voting agreements with each of the directors and certain executive officers
      of Evans in their capacity as shareholders of Evans (the &#8220;Voting Agreements&#8221;), pursuant to which such shareholders agreed to vote their shares of Evans common stock in favor of the Merger.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">If the Merger is not consummated under specified circumstances, Evans may be required to pay the Company a termination fee of $8.4 million.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement also contains customary representations and warranties that the Company and Evans made to each other as of specific dates. The
      assertions embodied in those representations and warranties were made solely for purposes of the contract between the Company and Evans, and may be subject to important qualifications and limitations agreed to by the parties in connection with
      negotiating its terms. Moreover, the representations and warranties are subject to a contractual standard of materiality that may be different from what may be viewed as material to shareholders, and the representations and warranties may have been
      used to allocate risk between the Company and Evans rather than establishing matters as facts. Each party has also agreed to customary covenants, including, among others, covenants relating to the conduct of Evans&#8217;s and the Company&#8217;s businesses
      during the period between the execution of the Merger Agreement and the closing of the transaction; Evans&#8217;s obligation to call a meeting of shareholders to approve the Merger Agreement and the transactions contemplated thereby; Evans&#8217;s obligation,
      subject to certain exceptions, to recommend that its shareholders approve the Merger Agreement and the transactions contemplated thereby; and Evans&#8217;s non-solicitation obligations relating to alternative acquisition proposals.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Each Evans stock option, whether vested or unvested, will be converted into the right to receive a cash payment equal to the amount, if any, by which the
      per share merger consideration exceeds the exercise price of such stock option. Evans restricted stock awards and time-based restricted stock units will automatically vest and be exchanged for the merger consideration. Evans performance-based
      restricted stock units will vest at the greater of target or actual level of achievement of relevant performance goals, and will be exchanged for the merger consideration.</div>

    <div style="font-size: 10pt;"><br/>
    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The foregoing is not a complete description of the Merger Agreement or the Voting Agreements and is qualified in its entirety by reference to the full text
      of the Merger Agreement, which is filed as Exhibit 2.1 hereto and is incorporated herein by reference. For additional information, reference is made to the joint press release dated September 9, 2024, which is included as Exhibit 99.1 and is
      incorporated herein by reference.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <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; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Important Additional Information and Where to Find It</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">In connection with the proposed transaction, the Company expects to file with the Securities and Exchange Commission (&#8220;SEC&#8221;) a registration statement on
      Form S-4 that will include a proxy statement of Evans and a prospectus of the Company (the &#8220;proxy statement/prospectus&#8221;), which proxy statement/prospectus will be mailed or otherwise disseminated to Evans&#8217;s shareholders when it becomes available. The
      Company and Evans also plan to file other relevant documents with the SEC regarding the proposed transaction. <span style="font-family: 'Times New Roman'; font-weight: bold;">INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION
        STATEMENT ON FORM S-4, THE PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4, AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC WHEN THEY BECOME AVAILABLE, AS WELL AS ANY AMENDMENTS OR
        SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE COMPANY, EVANS AND THE PROPOSED TRANSACTION.</span> You may obtain a free copy of the registration statement, including the proxy statement/prospectus (when
      it becomes available) and other relevant documents filed by the Company and Evans with the SEC, without charge, at the SEC&#8217;s website at www.sec.gov. Copies of the documents filed by the Company with the SEC will be available free of charge on the
      Company&#8217;s website at www.nbtbancorp.com or by directing a request to NBT Bancorp Inc., 52 South Broad Street, Norwich, NY 13815, attention: Corporate Secretary, telephone (607) 337-6141. Copies of the documents filed by Evans with the SEC will be
      available free of charge on Evans&#8217;s website at evansbancorp.q4ir.com or by directing a request to Evans Bancorp, Inc., 6460 Main Street, Williamsville, NY 14221, attention: Secretary, telephone (716) 926-2000.</div>

    <div style="font-size: 10pt;"><br/>
    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">No Offer</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; 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="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Participants in Solicitation</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The Company and Evans and their respective directors and executive officers and other members of management and employees may be deemed to be participants
      in the solicitation of proxies in respect of the proposed transaction. You can find information about the Company&#8217;s executive officers and directors in the Company&#8217;s definitive proxy statement filed with the SEC on April 5, 2024. You can find
      information about Evans&#8217;s executive officers and directors in Evans&#8217;s definitive proxy statement filed with the SEC on March 25, 2024. Additional information regarding the interests of such potential participants will be included in the proxy
      statement/prospectus and other relevant documents filed with the SEC when they become available. You may obtain free copies of these documents from the Company or Evans using the sources indicated above.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Forward Looking Statements</div>

    <div style="font-size: 10pt;"><br/>
    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">This report contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about
      the Company and Evans and their industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding the Company&#8217;s or Evans&#8217;s future financial condition, results of
      operations, business plans, liquidity, cash flows, projected costs, and the impact of any laws or regulations applicable to the Company or Evans, 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;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

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        <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; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not
      limited to the following: (1) the businesses of the Company and Evans 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 Evans may fail to approve the merger; (6) the possibility that the merger may be more expensive to complete
      than anticipated, including as a result of unexpected factors or events; (7) diversion of management&#8217;s attention from ongoing business operations and opportunities; (8) the possibility that the parties may be unable to achieve expected synergies and
      operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate Evans&#8217;s operations and those of the Company; (9) such integration may be more difficult, time consuming or costly than expected; (10) revenues
      following the proposed transaction may be lower than expected; (11) the Company&#8217;s and Evans&#8217;s success in executing their respective business plans and strategies and managing the risks involved in the foregoing; (12) the dilution caused by the
      Company&#8217;s issuance of additional shares of its capital stock in connection with the proposed transaction; (13) changes in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the
      federal government; and (14) legislative and regulatory changes. Further information about these and other relevant risks and uncertainties may be found in the Company&#8217;s and Evans&#8217;s respective Annual Reports on Form 10-K for the fiscal year ended
      December 31, 2023 and in subsequent filings with the SEC.</div>

    <div style="font-size: 10pt;"><br/>
    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Forward-looking statements speak only as of the date they are made. The Company and Evans do not undertake, and specifically disclaim any obligation, to
      publicly release the result of any revisions which may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue
      reliance on these forward-looking statements.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

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    <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 8.01.</td>

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

  </tr>


</table>
    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> </span><span style="font-size: 10pt;"><br/>
      </span></div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">On September 9, 2024, the Company and Evans issued a joint press release to announce the signing of the Merger Agreement, a copy of which is filed as
      Exhibit 99.1 hereto and incorporated herein by reference.</div>

    <div style="font-size: 10pt;"><br/>
    </div>

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    <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 9.01.</td>

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

  </tr>


</table>
    <div style="font-size: 10pt;"><br/>
    </div>

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


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    <td style="width: 81pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">(d)</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="text-decoration: underline;">Exhibits</span></div>
            </td>

  </tr>


</table>
    </div>

    <div style="font-size: 10pt;"><br/>
    </div>

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    <td style="width: 10%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit</div>
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Number</div>
          </td>

    <td style="width: 1%; vertical-align: bottom; font-size: 10pt;">&#160;</td>

    <td style="width: 89%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: bold;">Description</div>
          </td>

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    <td style="width: 10%; vertical-align: middle; font-size: 10pt;">&#160;</td>

    <td style="width: 1%; vertical-align: middle; font-size: 10pt;">&#160;</td>

    <td style="width: 89%; vertical-align: middle; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 10%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';"><a href="ef20035633_ex2-1.htm">2.1*</a></div>
          </td>

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

    <td style="width: 89%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Agreement and Plan of Merger, dated September 9, 2024, by and among NBT Bancorp Inc., NBT Bank, National Association, Evans Bancorp, Inc. and Evans Bank,
              National Association.</div>
          </td>

  </tr>

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    <td style="width: 10%; vertical-align: middle; font-size: 10pt;">&#160;</td>

    <td style="width: 1%; vertical-align: middle; font-size: 10pt;">&#160;</td>

    <td style="width: 89%; vertical-align: middle; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 10%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';"><a href="ef20035633_ex99-1.htm">99.1</a></div>
          </td>

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

    <td style="width: 89%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Joint Press Release of NBT Bancorp Inc. and Evans Bancorp, Inc., dated September 9, 2024.</div>
          </td>

  </tr>

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    <td style="width: 10%; vertical-align: top; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td style="width: 1%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="width: 89%; vertical-align: top; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 10%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">104</div>
          </td>

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

    <td style="width: 89%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Cover Page Interactive Data File (embedded within the Inline XBRL document)</div>
          </td>

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    <div style="font-size: 10pt;"><br/>
    </div>

    <div>
      <hr style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 5pt auto 5pt 0px; height: 2px; width: 10%; color: #000000; text-align: left; margin-left: 0px; margin-right: auto;"/></div>

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    <td style="width: 1.07%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">*</div>
          </td>

    <td style="width: 98.93%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">NBT Bancorp Inc. has omitted certain schedules and exhibits pursuant to Item 601(a)(5) of Regulation S-K. A copy of any omitted schedule or exhibit will be
              furnished supplementally to the SEC upon request; provided, however, that the parties may request confidential treatment pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended, for any document so furnished.</div>
          </td>

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    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

    <div style="font-size: 10pt;"><br/>
    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the
      undersigned thereunto duly authorized.</div>

    <div style="font-size: 10pt;"><br/>
    </div>

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    <td style="width: 25%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="vertical-align: top; font-size: 10pt;" colspan="2">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: bold;">NBT BANCORP INC.</div>
          </td>

  </tr>

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    <td style="width: 25%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">September 9, 2024</div>
          </td>

    <td style="width: 4%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="width: 71%; vertical-align: top; font-size: 10pt;">&#160;</td>

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    <td style="width: 4%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">By:</div>
          </td>

    <td style="width: 71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">/s/ Annette L. Burns</div>
          </td>

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    <td style="width: 25%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="width: 4%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="width: 71%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Annette L. Burns</div>
          </td>

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    <td style="width: 25%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="width: 4%; vertical-align: top; font-size: 10pt;">&#160;</td>

    <td style="width: 71%; vertical-align: top; font-size: 10pt;">
            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Executive Vice President and Chief Financial Officer</div>
          </td>

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      <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit 2.1</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">AGREEMENT AND PLAN OF MERGER</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">DATED AS OF SEPTEMBER 9, 2024</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">BY AND AMONG</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANCORP INC.,</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANK, NATIONAL ASSOCIATION,</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">EVANS BANCORP, INC.</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">AND</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">EVANS BANK, NATIONAL ASSOCIATION</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">TABLE OF CONTENTS</div>
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            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; font-weight: bold; text-align: right;" rowspan="1">Page</td>
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              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE I THE MERGER</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">1</div>
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            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.01</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Terms of the Merger</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">1</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.02</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Tax Consequences</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">2</div>
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            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.03</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Name of the Surviving Corporation and the Surviving Bank</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">2</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.04</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Certificate of Incorporation and Bylaws of the Surviving Corporation; Articles of Association and Bylaws and the Surviving Bank</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">2</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.05</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Directors and Officers of the Surviving Corporation and the Surviving Bank</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">2</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.06</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Effect of the Merger</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">3</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.07</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Effective Date and Effective Time; Closing</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">3</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.08</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Alternative Structure</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">4</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.09</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Additional Actions</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">4</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 1.10</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Absence of Control</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">4</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE II CONSIDERATION; EXCHANGE PROCEDURES</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">4</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 2.01</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Merger Consideration</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">4</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 2.02</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Rights as Shareholders; Stock Transfers</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">5</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 2.03</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Exchange Procedures</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">5</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 2.04</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Anti-Dilution Provisions</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">7</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 2.05</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Reservation of Shares</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">7</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 2.06</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Listing of Additional Shares</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">7</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 2.07</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Treatment of Equity Awards</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">7</div>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255); text-align: right;" rowspan="1">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE III REPRESENTATIONS AND WARRANTIES OF EVANS AND EVANS BANK</div>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;">9<br>
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            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.01</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Making of Representations and Warranties</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">9</div>
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            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.02</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of Evans</div>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">9</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.03</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of Evans Bank</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">9</div>
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            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.04</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Evans and Evans Bank Capital Stock</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">9</div>
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              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.05</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Subsidiaries</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">10</div>
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            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.06</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Corporate Power; Minute Books</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">11</div>
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            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.07</div>
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            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Execution and Delivery</div>
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              <div style="text-align: right; font-family: 'Times New Roman';">11</div>
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            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.08</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Approvals; No Defaults</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">11</div>
            </td>
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          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.09</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Financial Statements; SEC Documents</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">12</div>
            </td>
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          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.10</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Absence of Certain Changes or Events</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">13</div>
            </td>
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          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.11</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.12</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Legal Proceedings; Regulatory Action</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">14</div>
            </td>
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          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.13</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Compliance with Laws</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">15</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.14</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Material Contracts; Defaults</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">16</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.15</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Brokers</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">16</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.16</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Employee Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">16</div>
            </td>
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          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.17</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Labor Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">18</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.18</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Environmental Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">19</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.19</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Tax Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">20</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.20</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Investment Securities</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">23</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.21</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Derivative Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">23</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.22</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Loans; Nonperforming and Classified Assets</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">23</div>
            </td>
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      <div style="font-size: 10pt;"><br>
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      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">i</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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      <table cellspacing="0" cellpadding="0" id="zf65cf41609d54877afa5d2f7032c2091" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.23</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Tangible Properties and Assets</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">24</div>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.24</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Intellectual Property</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">24</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.25</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Fiduciary Accounts</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">25</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.26</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Insurance</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">25</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.27</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Antitakeover Provisions</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">25</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.28</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Fairness Opinion</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">25</div>
            </td>
          </tr>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.29</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Proxy Statement/Prospectus</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">25</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.30</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">CRA, Anti-money Laundering and Customer Information Security</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;">26<br>
            </td>
          </tr>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 3.31</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Transactions with Affiliates</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">26</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1"><br>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE IV REPRESENTATIONS AND WARRANTIES OF NBT AND NBT BANK</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">26</div>
            </td>
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          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1"><br>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.01</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Making of Representations and Warranties</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">26</div>
            </td>
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          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.02</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of NBT</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">26</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.03</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of NBT Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">27</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.04</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">NBT Capital Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">27</div>
            </td>
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            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.05</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Subsidiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">27</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.06</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Corporate Power; Minute Books</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">27</div>
            </td>
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            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.07</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Execution and Delivery</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">28</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.08</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Approvals; No Defaults</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">28</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.09</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Absence of Certain Changes or Events</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">28</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.10</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">SEC Documents; Financial Statements; and Financial Controls and Procedures</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.11</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.12</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Legal Proceedings</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.13</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Compliance With Laws</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.14</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Brokers</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.15</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Employee Benefit Plans.</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.16</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Labor Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.17</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Tax Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.18</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Loans; Nonperforming Assets.</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.19</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Deposit Insurance</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.20</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">NBT Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.21</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Antitakeover Provisions</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.22</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Proxy Statement/Prospectus</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.23</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Investment Securities</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.24</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">CRA, Anti-money Laundering and Customer Information Security</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 4.25</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Insurance</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">34</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE V COVENANTS</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">35</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1"><br>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.01</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Covenants of Evans</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.02</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Covenants of NBT</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">38</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.03</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Reasonable Best Efforts</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">39</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.04</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Shareholder Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">39</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.05</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Merger Registration Statement; Proxy Statement/Prospectus</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">40</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.06</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Cooperation and Information Sharing</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">40</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.07</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Supplements or Amendment</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">40</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.08</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Approvals</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">40</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.09</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Press Releases</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.10</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Access; Information</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.11</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">No Solicitation by Evans</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">42</div>
            </td>
          </tr>

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      <div style="font-size: 10pt;"><br>
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      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">ii</font></div>
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          <hr noshade="noshade" 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: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.12</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Certain Policies</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">44</div>
            </td>
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          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.13</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Indemnification</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">44</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.14</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Employees; Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">46</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.15</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Notification of Certain Changes</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">48</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.16</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Current Information</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">48</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.17</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Board Packages</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">49</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.18</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Transition; Informational Systems Conversion</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">49</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.19</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Assumption of Debt</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">49</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.20</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 16 Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">49</div>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.21</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">NBT Bank Advisory Boards</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">49</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.22</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Community Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">50</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 5.23</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Tax Representation Letters</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">50</div>
            </td>
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            <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1"><br>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE VI CONDITIONS TO CONSUMMATION OF THE MERGER</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">50</div>
            </td>
          </tr>
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            <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1"><br>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255); text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 6.01</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Conditions to Obligations of the Parties to Effect the Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">50</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 6.02</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Conditions to Obligations of NBT</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">51</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 6.03</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Conditions to Obligations of Evans</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">51</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 6.04</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Frustration of Closing Conditions</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">52</div>
            </td>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1" colspan="3">
              <div>
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE VII TERMINATION</div>
              </div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255); text-align: right;">&#160;52</td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 7.01</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">52</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 7.02</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Termination Fee</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">53</div>
            </td>
          </tr>
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            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 7.03</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Effect of Termination and Abandonment</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">53</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE VIII MISCELLANEOUS</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">54</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.01</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Survival</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.02</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Waiver; Amendment</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.03</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Counterparts</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.04</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Governing Law and Venue</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.05</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Expenses</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.06</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Notices</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.07</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Entire Understanding; No Third-Party Beneficiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">55</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.08</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Severability</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">55</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.09</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Enforcement of the Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">56</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.10</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Interpretation</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">56</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.11</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Assignment</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">56</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.12</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Waiver of Jury Trial</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: right; font-family: 'Times New Roman';">56</div>
            </td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 8.13</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Electronic Transmission</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">57</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE IX ADDITIONAL DEFINITIONS</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">57</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" colspan="3" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td style="width: 12%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Section 9.01</div>
            </td>
            <td style="width: 78%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Additional Definitions</div>
            </td>
            <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman';">57</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt;"><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="ze1f1b81b8a1941f0ade1c7e7506dc955" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="vertical-align: top; font-size: 10pt;" rowspan="1" colspan="2">EXHIBITS</td>
          </tr>
          <tr>
            <td style="vertical-align: top; font-size: 10pt;" rowspan="1" colspan="2"><br>
            </td>
          </tr>
          <tr>
            <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 18pt;">Exhibit A</div>
            </td>
            <td style="width: 85%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman';">Form of Voting Agreement</div>
            </td>
          </tr>
          <tr>
            <td style="width: 15%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 18pt;">Exhibit B</div>
            </td>
            <td style="width: 85%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman';">Plan of Bank Merger</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt;"><br>
      </div>
      <div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">iii</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="font-size: 10pt;">
          <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">TABLE OF DEFINITIONS</div>
        </div>
        <div style="font-size: 10pt;"><br>
        </div>
        <div style="float: left; width: 48%;" class="BRPFTCL">
          <table cellspacing="0" cellpadding="0" id="zc8bd98ee99cc4e39989c738264ef44da" 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: 87.9%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
                <td style="width: 12.1%; vertical-align: top; font-size: 10pt;" rowspan="1">
                  <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold; text-indent: 9pt;">Page</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;" rowspan="1"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Acquisition Proposal</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">57</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Acquisition Transaction</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">57</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Affiliate</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">57</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Agreement</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Bank Merger</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Bank Merger Effective Time</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">3</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Bank Regulator</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">57</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">BHC Act</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">9</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">BOLI</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">25</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Business Day</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Certificate</div>
                </td>
                <td style="width: 12.1%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">5</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Close Year</div>
                </td>
                <td style="width: 12.1%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">22</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Closing</div>
                </td>
                <td style="width: 12.1%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">3</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Closing Date</div>
                </td>
                <td style="width: 12.1%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">4</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Code</div>
                </td>
                <td style="width: 12.1%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Community Reinvestment Act</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">14</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Confidentiality Agreement</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">42</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Continuing Employee</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">46</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Derivative Transaction</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">DGCL</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">3</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Effective Date</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">3</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Effective Time</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">3</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Environmental Law</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">ERISA</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Evans 2023 Form 10-K</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">12</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans 401(k) Plan</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">47</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Bank</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Bank Board</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Bank Severance Plan</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">47</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Bank Stock</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">10</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Benefit Plans</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">16</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Board</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Disclosure Schedule</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Employees</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">16</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Equity Plan</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans ERISA Group</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">17</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Financial Statements</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Intellectual Property</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">58</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Loan Property</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Meeting</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">39</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Option</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">7</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Pension Plan</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">17</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Evans Performance-Based RSUs</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">8</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Recommendation</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">39</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Representatives</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">42</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Evans Restricted Stock</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">8</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans RSUs</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Evans SEC Documents</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">12</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Stock</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">9</div>
                </td>
              </tr>
              <tr>
                <td style="width: 87.9%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Evans Subsequent Determination</div>
                </td>
                <td style="width: 12.1%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">43</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="float: right; width: 48%;" class="BRPFTCR">
          <table cellspacing="0" cellpadding="0" id="zc6cc0295e6014e549bb428a159d9d763" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;" rowspan="1"><br>
                </td>
                <td style="width: 11.85%; vertical-align: top; font-size: 10pt;" rowspan="1">
                  <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold; text-indent: 9pt;">Page</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;" rowspan="1"><br>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;" rowspan="1"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Evans Time-Based RSUs</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">8</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Exchange Act</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Exchange Agent</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Exchange Ratio</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">4</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">FDIC</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">FHLBNY</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Finance Laws</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">15</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">FRB</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">GAAP</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Governmental Authority</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Hazardous Substance</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Indemnified Parties</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">44</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Indemnifying Party</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">44</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Informational Systems Conversion</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">49</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Insurance Policies</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">25</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Intellectual Property</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">IRS</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Knowledge</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Leases</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">24</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Lien</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">59</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Loans</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">23</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Material Adverse Effect</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">60</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Material Contract</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">16</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Merger</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Merger Consideration</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">4</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Merger Registration Statement</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">40</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">NASDAQ</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">60</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">NBT 2023 Form 10-K</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">29</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">NBT 401(k) Plan</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">47</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT Bank</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT Bank Board</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">60</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">NBT Benefit Plans</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">32</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT Board</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">60</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT Disclosure Schedule</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">60</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT Measurement Price</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">7</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT Pension Plan</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">32</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">NBT SEC Documents</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">29</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">NBT Stock</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">New Board Member</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">2</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Notice of Superior Proposal</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">43</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Notice Period</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">43</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">NYBCL</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">3</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">OCC</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">OREO</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">23</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Pandemic</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Pandemic Measures</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Per Share Consideration</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Person</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Premium Limit</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">45</div>
                </td>
              </tr>
              <tr>
                <td style="width: 88.15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Proceeding</div>
                </td>
                <td style="width: 11.85%; vertical-align: top; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">44</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="clear: both;">
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="zc2325d7c130144838106dd6c5160d68f">

              <tr>
                <td style="width: 100%; font-size: 10pt;">
                  <div>&#160;</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">iv</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="float: left; width: 48%;" class="BRPFTCL">
          <table cellspacing="0" cellpadding="0" id="z47b10505869a43e5962a2e42b85d080a" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Proxy Statement/Prospectus</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Approvals</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">28</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Order</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">14</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">REIT</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">22</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">REIT Subsidiary</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">22</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Rights</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">SEC</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">12</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Securities Act</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Single Employer Plan</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">17</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Software</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 86.32%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Subsidiary</div>
                </td>
                <td style="width: 13.68%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="float: right; width: 48%;" class="BRPFTCR">
          <table cellspacing="0" cellpadding="0" id="zfba759baf2b94b09a39bd86f03d0a6d7" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Superior Proposal</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">61</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Surviving Bank</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Surviving Corporation</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Tax</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">62</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Tax Returns</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">62</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Taxes</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">62</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">Transactions</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Voting Agreement</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt;">
                  <div style="font-family: 'Times New Roman';">1</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; font-family: 'Times New Roman';">WARN Act</div>
                </td>
                <td style="width: 16.94%; vertical-align: middle; text-align: right; font-size: 10pt; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman';">62</div>
                </td>
              </tr>
              <tr>
                <td style="width: 83.06%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Willful Breach</div>
                </td>
                <td style="width: 16.94%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: right; font-family: 'Times New Roman';">62</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="clear: both; font-size: 10pt;"><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">v</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <!--PROfilePageNumberReset%Num%1%%%-->
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Hlk108695995"></a><font style="font-family: 'Times New Roman'; font-weight: bold;">This AGREEMENT AND PLAN OF MERGER</font> (this &#8220;<font style="font-family: 'Times New Roman';"><u>Agreement</u></font>&#8221;) is dated as of September 9, 2024, by and among NBT Bancorp Inc., a Delaware corporation (&#8220;<font style="font-family: 'Times New Roman';"><u>NBT</u></font>&#8221;), NBT Bank, National
          Association, a federally-chartered national banking association and wholly-owned subsidiary of NBT (&#8220;<font style="font-family: 'Times New Roman';"><u>NBT Bank</u></font>&#8221;), Evans Bancorp, Inc., a New York corporation (&#8220;<font style="font-family: 'Times New Roman';"><u>Evans</u></font>&#8221;), and Evans Bank, National Association, a federally-chartered national banking association and wholly-owned subsidiary of Evans (&#8220;<font style="font-family: 'Times New Roman';"><u>Evans Bank</u></font>&#8221;).</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>WITNESSETH</u></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the NBT Board and
            the Evans Board have each <a name="DocXTextRef1"></a>(i)&#160;determined that this Agreement and the business combination and related transactions contemplated hereby are in the best interests of their respective entities and shareholders;
            (ii)&#160;determined that this Agreement and the transactions contemplated hereby are consistent with and in furtherance of their respective business strategies; and (iii)&#160;approved and declared advisable this Agreement and the transactions
            contemplated hereby;</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, in accordance with
            the terms of this Agreement, Evans will merge with and into NBT, with NBT surviving (the &#8220;<font style="font-family: 'Times New Roman';"><u>Merger</u></font>&#8221;), and immediately thereafter, Evans Bank will merge with and into NBT Bank, with NBT
            Bank surviving (the &#8220;<font style="font-family: 'Times New Roman';"><u>Bank Merger</u></font>&#8221; and, together with the Merger, the &#8220;<font style="font-family: 'Times New Roman';"><u>Transactions</u></font>&#8221;);</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, as a material
            inducement to NBT to enter into this Agreement, each of the directors and certain executive officers of Evans set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 6.02(c)</u></font> has entered into a voting
            agreement with NBT dated as of the date hereof (a &#8220;<font style="font-family: 'Times New Roman';"><u>Voting Agreement</u></font>&#8221;), substantially in the form attached hereto as <font style="font-family: 'Times New Roman';"><u>Exhibit A</u></font>,
            pursuant to which each such director or executive officer has agreed, among other things, to vote all shares of Evans Stock (as defined herein) owned by such person in favor of the approval of this Agreement and the transactions contemplated
            hereby, upon the terms and subject to the conditions set forth in such agreement;</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, for United States
            federal income tax purposes, the parties intend the Merger to qualify as a reorganization within the meaning of <a name="DocXTextRef4"></a>Section&#160;368(a) of the Internal Revenue Code of 1986, as amended and the regulations and formal guidance
            issued thereunder (the &#8220;<font style="font-family: 'Times New Roman';"><u>Code</u></font>&#8221;), and that this Agreement be and hereby is adopted as a &#8220;plan of reorganization&#8221; within the meaning of <a name="DocXTextRef3"></a>Sections 354, <a name="DocXTextRef2"></a>361 and <a name="DocXTextRef5"></a>368 of the Code; and</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font><font style="font-size: 10pt;">, the parties desire
            to make certain representations, warranties and agreements in connection with the transactions described in this Agreement and to prescribe certain conditions thereto.</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">NOW, THEREFORE</font><font style="font-size: 10pt;">, in
            consideration of the mutual promises herein contained and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE I</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><font style="font-family: 'Times New Roman';"><br>
          </font><a name="z_Ref530085340"></a><a name="z_Toc24547051"></a><a name="z_Toc256000000"></a><a name="z_Toc118731528"></a><a name="z_Toc176519035"></a>THE MERGER</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 1.01</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547052"></a><a name="z_Toc256000001"></a><a name="z_Ref25628897"></a><a name="z_Toc118731529"></a><a name="z_Ref173149888"></a><font style="font-family: 'Times New Roman';"><u>Terms of the Merger</u></font></font></font>.&#160; Subject to the terms and conditions of this Agreement, at the Effective Time, Evans shall merge with and into NBT, and NBT shall be the surviving entity (hereinafter sometimes
          referred to as the &#8220;<font style="font-family: 'Times New Roman';"><u>Surviving Corporation</u></font>&#8221;).&#160; Immediately thereafter, pursuant to the Plan of Bank Merger described in the following sentence, Evans Bank shall merge with and into NBT
          Bank, and NBT Bank shall be the surviving entity (hereinafter sometimes referred to as the &#8220;<font style="font-family: 'Times New Roman';"><u>Surviving Bank</u></font>&#8221;) and shall continue to be governed by the laws of the United States. As soon
          as practicable after the execution of this Agreement, NBT will cause NBT Bank to, and Evans will cause Evans Bank to, execute and deliver a Plan of Bank Merger substantially in the form attached to this Agreement as <font style="font-family: 'Times New Roman';"><u>Exhibit B</u></font>. As part of the Merger, shares of Evans Stock shall, at the Effective Time, be converted into the right to receive the Merger Consideration pursuant to the terms of Article II.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">1</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" 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; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.02</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547053"></a><a name="z_Toc256000002"></a><font style="font-family: 'Times New Roman';"><u>Tax Consequences</u></font></font></font>. It is intended that the Merger shall constitute a
          reorganization within the meaning of <a name="DocXTextRef8"></a>Section&#160;368(a) of the Code, and that this Agreement shall constitute a &#8220;plan of reorganization&#8221; as that term is used in <a name="DocXTextRef7"></a>Sections&#160;354, <a name="DocXTextRef6"></a>361 and <a name="DocXTextRef10"></a>368 of the Code. From and after the date of this Agreement and until the Closing, each party hereto shall use its reasonable best efforts to cause the Merger to qualify, and will not
          knowingly take any action, cause any action to be taken, fail to take any action or cause any action to fail to be taken, which action or failure to act would reasonably be expected to prevent the Merger from qualifying as a reorganization under
          <a name="DocXTextRef9"></a>Section&#160;368(a) of the Code. NBT and Evans each hereby agree to deliver a certificate substantially in compliance with IRS-published advance ruling guidelines, with customary exceptions and modifications thereto, to
          enable its counsel to deliver the legal opinions contemplated by<font style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);"> <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(e)</u></font>.</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.03</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547054"></a><a name="z_Toc256000003"></a><a name="z_Ref25628899"></a><a name="z_Toc118731531"></a><a name="z_Ref173149890"></a><a name="z_Toc176519038"></a><font style="font-family: 'Times New Roman';"><u>Name





                  of the Surviving Corporation and the Surviving Bank</u></font></font></font>. The name of the Surviving Corporation shall be &#8220;NBT Bancorp Inc.&#8221; The name of the Surviving Bank shall be &#8220;NBT Bank, National Association.&#8221;</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.04</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547055"></a><a name="z_Toc256000004"></a><a name="z_Ref25628900"></a><a name="z_Toc118731532"></a><a name="z_Ref173149891"></a><a name="z_Toc176519039"></a><font style="font-family: 'Times New Roman';"><u>Certificate





                  of Incorporation and Bylaws of the Surviving Corporation; Articles of Association and Bylaws and the Surviving Bank</u></font></font></font>. The certificate of incorporation and bylaws of the Surviving Corporation upon consummation of
          the Merger shall be the Restated Certificate of Incorporation, as amended, and Amended and Restated Bylaws of NBT as in effect immediately prior to consummation of the Merger. The articles of association and bylaws of the Surviving Bank upon
          consummation of the Bank Merger shall be the Amended and Restated Articles of Association and Second Amended and Restated Bylaws of NBT Bank as in effect immediately prior to consummation of the Bank Merger.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.05</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547056"></a><a name="z_Toc256000005"></a><a name="z_Ref25628901"></a><font style="font-family: 'Times New Roman';"><u>Directors and Officers of the Surviving Corporation and the Surviving Bank</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149893"></a><a name="z_Ref25628902"></a>At the Effective Time, the board of directors of the Surviving Corporation immediately prior to the Effective Time shall continue to be the directors of the Surviving Corporation, <font style="font-family: 'Times New Roman'; font-style: italic;">provided</font> that, prior to the Effective Time, the Board of Directors of NBT shall take such actions as to cause the number of directors constituting the board of directors of the Surviving Corporation
              immediately after the Effective Time to be increased by one <a name="DocXTextRef11"></a>(1) director, with such new director vacancy to be filled by David J. Nasca (or, in the event of his unavailability, such other person as mutually agreed
              upon by Evans and NBT), subject to NBT&#8217;s customary background screening and evaluation procedures for potential directors (the &#8220;<font style="font-family: 'Times New Roman';"><u>New Board Member</u></font>&#8221;), <a name="z_Hlk175675954"></a>provided





              that if the Effective Time occurs between the date of NBT&#8217;s 2025 annual meeting proxy statement and the date of NBT&#8217;s 2025 annual meeting of stockholders, then the board of directors of the Surviving Corporation shall be increased and the New
              Board Member shall be appointed effective immediately following the NBT 2025 annual meeting of stockholders. The NBT Board shall appoint the New Board Member to the board of directors of the Surviving Corporation in accordance with applicable
              laws and regulations and NBT&#8217;s Restated Certificate of Incorporation, as amended, and Amended and Restated Bylaws for a term<a name="z_Hlk57106477"></a> to expire at the next annual meeting of the stockholders of NBT. If the New Board Member
              is appointed at any time other than immediately following the NBT 2025 annual meeting of stockholders, the NBT Board shall nominate and recommend to NBT&#8217;s stockholders the New Board Member for election for a one-year term at NBT&#8217;s first
              annual stockholder meeting following the appointment of the New Board Member. Each of the directors of the Surviving Corporation immediately after the Effective Time shall hold office until his or her successor is elected and qualified or
              otherwise in accordance with the Restated Certificate of Incorporation, as amended, and Amended and Restated Bylaws of the Surviving Corporation.</font></font> <br>
        </div>
        <div style="font-size: 10pt;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">2</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Hlk57107751"></a><a name="z_Ref173149894"></a>At





              the effective time of the Bank Merger (the &#8220;<font style="font-family: 'Times New Roman';"><u>Bank Merger Effective Time</u></font>&#8221;), the board of directors of the Surviving Bank immediately prior to the Bank Merger Effective Time shall
              continue to be the directors of the Surviving Bank, <font style="font-family: 'Times New Roman'; font-style: italic;">provided</font> that, prior to the Effective Time, the Board of Directors of NBT Bank shall take such actions as to cause
              the number of directors constituting the board of directors of the Surviving Bank immediately following the Effective Time to be increased by one <a name="DocXTextRef12"></a>(1) director, with such new director vacancy to be filled by the
              New Board Member, except that if the Effective Time occurs between the date of NBT&#8217;s 2025 annual meeting proxy statement and the date of NBT&#8217;s 2025 annual meeting of stockholders, then NBT Bank shall take such actions effective immediately
              following its 2025 annual meeting of stockholders. The NBT Bank Board shall appoint the New Board Member to the board of directors of the Surviving Bank in accordance with applicable laws and regulations and NBT Bank&#8217;s Amended and Restated
              Articles of Association and Second Amended and Restated Bylaws for a term to expire at the next annual meeting of the shareholders of the Surviving Bank. If the New Board Member is appointed at any time other than immediately following the
              NBT 2025 annual meeting of stockholders, the NBT Bank Board shall nominate and recommend to NBT Bank&#8217;s sole shareholder, NBT, the New Board Member for appointment, and NBT shall elect the New Board Member for a one-year term at the Surviving
              Bank&#8217;s first annual shareholder meeting following the appointment of the New Board Member. Each of the directors of the Surviving Bank immediately after the Bank Merger Effective Time shall hold office until his or her successor is elected
              and qualified or otherwise in accordance with the Amended and Restated Articles of Association and Second Amended and Restated Bylaws of the Surviving Bank.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149895"></a><a name="z_Hlk57108601"></a><a name="z_Ref25628903"></a>At the Effective Time, the officers of the Surviving Corporation shall consist of the officers of the Surviving Corporation in office immediately prior to the Effective Time. At the Bank Merger Effective Time, the
              officers of the Surviving Bank shall consist of the officers of the Surviving Bank in office immediately prior to the Bank Merger Effective Time.</font></font></div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.06</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547057"></a><a name="z_Toc256000006"></a><a name="z_Ref25628904"></a><a name="z_Toc118731534"></a><font style="font-family: 'Times New Roman';"><u>Effect of the Merger</u></font></font></font>.&#160; At the
          Effective Time, the effect of the Merger shall be as provided under applicable provisions of the Delaware General Corporation Law (the &#8220;<font style="font-family: 'Times New Roman';"><u>DGCL</u></font>&#8221;) and the New York Business Corporation Law
          (the &#8220;<font style="font-family: 'Times New Roman';"><u>NYBCL</u></font>&#8221;) and the regulations respectively promulgated thereunder.&#160; Without limiting the generality of the foregoing, and subject thereto, at the Effective Time, the separate
          corporate existence of Evans shall cease and all of the rights, privileges, powers, franchises, properties, assets, debts, liabilities, obligations, restrictions, disabilities and duties of Evans shall be vested in and assumed by NBT.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.07</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547058"></a><a name="z_Toc256000007"></a><a name="z_Ref25628905"></a><a name="z_Toc118731535"></a><a name="z_Ref173149897"></a><font style="font-family: 'Times New Roman';"><u>Effective Date and Effective
                  Time; Closing</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628906"></a>Subject to the terms and
              conditions of this Agreement, NBT will make all such filings as may be required by applicable laws and regulations to consummate the Merger.&#160; On the Closing Date, which shall take place not more than three (3) Business Days following the
              receipt of all necessary regulatory, governmental and shareholder approvals and consents and the expiration of all statutory waiting periods in respect thereof and the satisfaction or waiver of all of the conditions to the consummation of the
              Merger specified in Article VI of this Agreement (other than the delivery of certificates and other instruments and documents to be delivered at the Closing), or on such other date as the parties shall mutually agree to, NBT and Evans shall
              file articles of merger with <a name="DocXTextRef13"></a>(i) the Delaware Department of State in accordance with the DGCL and (ii) the New York State Department of State in accordance with the NYBCL.&#160; The effective date of such filings is
              herein called the &#8220;<font style="font-family: 'Times New Roman';"><u>Effective Date</u></font>,&#8221; and the &#8220;<font style="font-family: 'Times New Roman';"><u>Effective Time</u></font>&#8221; of the Merger shall be as specified in such filing.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">3</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628907"></a>The closing (the &#8220;<font style="font-family: 'Times New Roman';"><u>Closing</u></font>&#8221;) shall take place remotely via the electronic exchange of documents and signatures immediately prior to the Effective Time at 10:00 a.m., Eastern time, or in person at the
              principal offices of Hogan Lovells US LLP in Washington, D.C., or such other place, at such other time, or on such other date as the parties may mutually agree upon (such date, the &#8220;<font style="font-family: 'Times New Roman';"><u>Closing
                  Date</u></font>&#8221;).&#160; At the Closing, there shall be delivered to NBT and Evans the certificates and other documents required to be delivered under Article VI hereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.08</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547059"></a><a name="z_Toc256000008"></a><a name="z_Ref25628908"></a><a name="z_Toc118731536"></a><font style="font-family: 'Times New Roman';"><u>Alternative Structure</u></font></font></font>.&#160; NBT may,
          at any time prior to the Effective Time, change the method of effecting the combination of NBT and Evans, and NBT Bank and Evans Bank, respectively, (including the provisions of this Article I) if and to the extent it deems such change to be
          reasonably necessary, appropriate or desirable; <font style="font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that no such change shall <a name="DocXTextRef14"></a>(a)&#160;alter or change the Merger Consideration; <a name="DocXTextRef15"></a>(b)&#160;adversely affect the tax treatment of Evans&#8217;s shareholders pursuant to this Agreement; <a name="DocXTextRef16"></a>(c)&#160;adversely affect the tax treatment of NBT or Evans pursuant to this Agreement; or <a name="DocXTextRef17"></a>(d)&#160;be reasonably likely to materially impede or delay consummation of the transactions contemplated by this Agreement.&#160; In the event NBT makes such a change, Evans agrees to execute an appropriate amendment to this
          Agreement in order to reflect such change.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.09</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547060"></a><a name="z_Toc256000009"></a><a name="z_Ref25628909"></a><a name="z_Toc118731537"></a><a name="z_Ref173149899"></a><a name="z_Toc176519044"></a><font style="font-family: 'Times New Roman';"><u>Additional





                  Actions</u></font></font></font>.&#160; If, at any time after the Effective Time, NBT shall consider or be advised that any further deeds, documents, assignments or assurances in law or any other acts are necessary or desirable to <a name="DocXTextRef18"></a>(i)&#160;vest, perfect or confirm, of record or otherwise, in NBT its right, title or interest in, to or under any of the rights, properties or assets of Evans or Evans Bank, or (ii)&#160;otherwise carry out the purposes of this
          Agreement, Evans, Evans Bank and their respective officers and directors shall be deemed to have granted to NBT an irrevocable power of attorney to execute and deliver, in such official corporate capacities, all such deeds, assignments or
          assurances in law or any other acts as are necessary or desirable to <a name="DocXTextRef19"></a>(a)&#160;vest, perfect or confirm, of record or otherwise, in NBT or NBT Bank its right, title or interest in, to or under any of the rights, properties
          or assets of Evans or Evans Bank or <a name="DocXTextRef20"></a>(b)&#160;otherwise carry out the purposes of this Agreement, and the officers and directors of NBT or NBT Bank are authorized in the name of Evans or Evans Bank or otherwise to take any
          and all such action.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.10</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547061"></a><a name="z_Toc256000010"></a><a name="z_Ref25628910"></a><a name="z_Toc118731538"></a><a name="z_Ref173149900"></a><a name="z_Toc176519045"></a><font style="font-family: 'Times New Roman';"><u>Absence





                  of Control</u></font></font></font>.&#160; It is the intent of the parties to this Agreement that neither NBT or NBT Bank, by reason of this Agreement or the Plan of Bank Merger, shall (until consummation of the transactions contemplated
          herein) control, directly or indirectly, Evans or Evans Bank and shall not exercise or be deemed to exercise, directly or indirectly, a controlling influence over the management or policies of Evans or Evans Bank.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE II</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><font style="font-family: 'Times New Roman';"><br>
          </font><a name="z_Ref530085236"></a><a name="z_Ref530085361"></a><a name="z_Ref530085381"></a><a name="z_Ref530085399"></a><a name="z_Ref530085427"></a><a name="z_Ref530085440"></a><a name="z_Ref530085457"></a><a name="z_Ref530085476"></a><a name="z_Ref530085506"></a><a name="z_Ref530085521"></a><a name="z_Ref530085562"></a><a name="z_Ref530085582"></a><a name="z_Ref530085611"></a><a name="z_Ref530085634"></a><a name="z_Ref530086237"></a><a name="z_Ref530086257"></a><a name="z_Toc24547062"></a><a name="z_Toc256000011"></a><a name="z_Toc118731539"></a><a name="z_Toc176519046"></a>CONSIDERATION; EXCHANGE PROCEDURES</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.01</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547063"></a><a name="z_Toc256000012"></a><a name="z_Ref25628911"></a><a name="z_Toc118731540"></a><a name="z_Ref173149901"></a><a name="z_Toc176519047"></a><font style="font-family: 'Times New Roman';"><u>Merger





                  Consideration</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149902"></a>Subject to the provisions
              of this Agreement, at the Effective Time, automatically by virtue of the Merger and without any action on the part of any Person:</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div>
          <div>
            <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 36pt; text-indent: 36pt;"><font style="text-align: left; font-family: 'Times New Roman';">(i) </font><a name="z_Ref25628912"></a>&#160;&#160; &#160; &#160;&#160;&#160; Each share of NBT Stock that
              is issued and outstanding immediately prior to the Effective Time shall remain issued and outstanding following the Effective Time and shall be unchanged by the Merger.</div>
            <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 36pt; text-indent: 36pt;"> <br>
            </div>
          </div>
        </div>
        <div>
          <div>
            <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 36pt; text-indent: 36pt;"><font style="text-align: left; font-family: 'Times New Roman';">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><a name="z_Ref173149903"></a><a name="z_Ref530083051"></a><a name="z_Ref23803610"></a>Each share of Evans Stock issued and outstanding immediately prior to the Effective Time (other than shares of Evans Stock to be cancelled pursuant to <font style="font-family: 'Times New Roman';"><u>Section
                  2.01(b)</u></font>) shall become and be converted into the right to receive <a name="DocXTextRef21"></a>0.91 (the &#8220;<font style="font-family: 'Times New Roman';"><u>Exchange Ratio</u></font>&#8221;) shares of NBT Stock (the &#8220;<font style="font-family: 'Times New Roman';"><u>Merger Consideration</u></font>&#8221;).</div>
          </div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"> <br>
          </font></div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">4</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149904"></a>At the Effective Time, all
              shares of Evans Stock that are owned by Evans as treasury stock and all shares of Evans Stock that are owned directly or indirectly by NBT or Evans, including any shares of Evans Stock held by NBT or Evans or any of their respective
              Subsidiaries in respect of a debt previously contracted, other than shares that are held by NBT or Evans, if any, in a fiduciary capacity, shall be canceled and shall cease to exist and no Merger Consideration shall be delivered in exchange
              therefor. All shares of NBT Stock that are owned by Evans shall become treasury stock of NBT.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.02</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547064"></a><a name="z_Toc256000013"></a><a name="z_Ref25628913"></a><a name="z_Toc118731541"></a><a name="z_Ref173149905"></a><a name="z_Toc176519048"></a><font style="font-family: 'Times New Roman';"><u>Rights





                  as Shareholders; Stock Transfers</u></font></font></font>.&#160; All shares of Evans Stock, when converted as provided in <u><font style="color: rgb(0, 0, 0);">Section 2.01(a)(ii)</font></u>, shall no longer be outstanding and shall
          automatically be cancelled and retired and shall cease to exist, and each certificate previously evidencing such shares of Evans Stock (each, a &#8220;<font style="font-family: 'Times New Roman';"><u>Certificate</u></font>&#8221;, it being understood that
          any reference herein to &#8220;Certificate&#8221; shall be deemed to include reference to book-entry account statements relating to the ownership of shares of Evans Stock) shall thereafter represent only the right to receive for each such share of Evans
          Stock, the Merger Consideration and, if applicable, any cash in lieu of fractional shares of NBT Stock in accordance with <u>Section 2.03(f)</u>.&#160; At the Effective Time, holders of Evans Stock shall cease to be, and shall have no rights as,
          shareholders of Evans other than the right to receive the Merger Consideration and cash in lieu of fractional shares of NBT Stock as provided under this Article II.&#160; After the Effective Time, there shall be no transfers on the stock transfer
          books of Evans of shares of Evans Stock.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.03</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc331521664"></a><a name="z_Toc24547067"></a><a name="z_Toc256000016"></a><a name="z_Ref25628914"></a><a name="z_Toc118731542"></a><a name="z_Ref173149906"></a><a name="z_Toc176519049"></a><font style="font-family: 'Times New Roman';"><u>Exchange Procedures</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149907"></a><a name="z_Ref25628915"></a>If





              any portion of the Merger Consideration is to be paid to a Person other than the Person in whose name a Certificate surrendered pursuant to <u>Section 2.03(c)</u> is registered, it shall be a condition to such payment that such Certificate
              shall be properly endorsed or otherwise be in proper form for transfer, as applicable, and the Person requesting such payment shall inform the Exchange Agent, pursuant to an agreement entered into prior to Closing, whether any transfer or
              other similar Taxes are required as a result of such payment to a Person other than the registered holder of such Certificate, or establish to the reasonable satisfaction of the Exchange Agent that such Taxes are not payable. If such transfer
              or other similar Taxes are payable pursuant to the preceding sentence, then the Exchange Agent shall withhold and deduct from the Merger Consideration (including cash in lieu of fractional shares of NBT Stock) otherwise payable pursuant to
              this Agreement to the designated Person other than the registered holder, such amounts as the Exchange Agent determines are necessary based on the information supplied by the registered holder. The Exchange Agent (or, subsequent to the twelve
              (12) month anniversary of the Effective Time, NBT) shall be entitled to deduct and withhold from the Merger Consideration (including cash in lieu of fractional shares of NBT Stock) otherwise payable pursuant to this Agreement to any holder of
              Evans Stock such amounts as the Exchange Agent or NBT, as the case may be, is required to deduct and withhold under the Code, or any provision of state, local or foreign Tax law, with respect to the making of such payment. To the extent that
              any amounts are withheld by the Exchange Agent or NBT, as the case may be, such withheld amounts shall be treated for all purposes of this Agreement as having been paid to the holder of shares of Evans Stock in respect of whom such deduction
              and withholding was made by the Exchange Agent or NBT, as the case may be.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">5</font></div>
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149908"></a>At least one (1) business
              day prior to the Effective Time, NBT shall deposit, or shall cause to be deposited, with the Exchange Agent, for the benefit of the holders of Evans Stock pursuant to this Article II <a name="DocXTextRef25"></a>(i)&#160;certificates, or at NBT&#8217;s
              option, evidence of shares in book-entry form, representing the shares of NBT Stock, sufficient to pay the aggregate Merger Consideration required pursuant to this Article II, and (ii) an aggregate amount of cash sufficient to pay the
              estimated amount of cash to be paid in lieu of fractional shares of NBT Stock, each to be given to the holders of Evans Stock in exchange for Certificates pursuant to this Article II. Until the twelve (12)&#160;month anniversary of the Effective
              Time, NBT shall make available on a timely basis or cause to be made available to the Exchange Agent the following: <a name="DocXTextRef26"></a>(i)&#160;certificates, or at NBT&#8217;s option, evidence of shares in book-entry form, representing the
              shares of NBT Stock, sufficient to pay the aggregate Merger Consideration required pursuant to this Article II, and (ii) an aggregate amount of cash sufficient to pay the estimated amount of cash to be paid in lieu of fractional shares of NBT
              Stock, each to be given to the holders of Evans Stock in exchange for Certificates pursuant to this Article II. Upon such twelve (12)&#160;month anniversary, any such cash or certificates remaining in the possession of the Exchange Agent, together
              with any earnings in respect thereof, shall be delivered to NBT. Any holder of Certificates who has not theretofore exchanged his or her Certificates for the Merger Consideration pursuant to this Article II or who has not theretofore
              submitted a letter of transmittal, if required, shall thereafter be entitled to look exclusively to NBT, and only as a general creditor thereof, for the Merger Consideration, as applicable, to which he or she may be entitled upon exchange of
              such Certificates pursuant to this Article II.&#160; If outstanding Certificates are not surrendered, or the payment for the Certificates is not claimed prior to the date on which such payment would otherwise escheat to or become the property of
              any Governmental Authority, the unclaimed items shall, to the extent permitted by abandoned property and any other applicable law, become the property of NBT (and to the extent not in its possession shall be delivered to it), free and clear
              of all Liens of any Person previously entitled to such property.&#160; Neither the Exchange Agent nor any of the parties hereto shall be liable to any holder of Evans Stock represented by any Certificate for any consideration paid to a public
              official pursuant to applicable abandoned property, escheat or similar laws.&#160; NBT and the Exchange Agent shall be entitled to rely upon the stock transfer books of Evans to establish the identity of those Persons entitled to receive the
              Merger Consideration, which books shall be conclusive with respect thereto.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149909"></a>Promptly after the
              Effective Time, NBT shall cause the Exchange Agent to mail or deliver to each Person who was, immediately prior to the Effective Time, a holder of record of Evans Stock a notice advising such holders of the effectiveness of the Merger,
              including a letter of transmittal in a form reasonably satisfactory to NBT and Evans containing instructions for use in effecting the surrender of Certificates in exchange for the Merger Consideration which shall specify that delivery shall
              be effected, and risk of loss and title to Certificates shall pass, only upon with respect to shares evidenced by Certificates, proper delivery to the Exchange Agent of such Certificates and the transmittal materials, duly, completely and
              validly executed in accordance with the instructions thereto. Upon surrender to the Exchange Agent of a Certificate for cancellation together with such letter of transmittal, duly executed and completed in accordance with the instructions
              thereto, the holder of such Certificate shall promptly be provided in exchange therefor, but in no event later than five (5)&#160;Business Days after due surrender, <a name="DocXTextRef28"></a>(x) a certificate, or at the election of NBT, a
              statement reflecting shares issued in book-entry form, representing the number of whole shares of NBT Stock that such holder is entitled pursuant to this Article II, and <a name="DocXTextRef29"></a>(y) <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">a check in the amount equal to the sum of </font><a name="DocXTextRef31"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(A) any cash in lieu of fractional shares </font>pursuant to <u>Section




                2.03(f)</u> and <a name="DocXTextRef32"></a>(B) any dividends or other distributions that such holder is entitled pursuant to <u>Section 2.03(e)</u>, and the Certificate so surrendered shall forthwith be canceled. No interest will accrue
              or be paid with respect to any property to be delivered upon surrender of Certificates.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149910"></a>In the event any
              Certificate shall have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the Person claiming such Certificate to be lost, stolen or destroyed and, if required by NBT or the Exchange Agent, the posting by such
              Person of a bond in customary amount as indemnity against any claim that may be made against it or the Surviving Corporation with respect to such Certificate, NBT shall cause the Exchange Agent to issue the Merger Consideration deliverable to
              such Person, <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">and any cash, unpaid dividends or other distributions that would be payable or deliverable to such Person,</font> in respect of the shares of Evans Stock
              represented by such lost, stolen or destroyed Certificate.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">6</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref57907059"></a>No dividends or other
              distributions with respect to NBT Stock with a record date after the Effective Time shall be paid to the holder of any unsurrendered Certificate with respect to the shares of NBT Stock represented thereby, and no cash payment in lieu of
              fractional shares shall be paid to any such holder pursuant to subsection (f) below, and all such dividends, other distributions and cash in lieu of fractional shares of NBT Stock shall be paid by NBT to the Exchange Agent, in each case until
              the surrender of such Certificate in accordance with this <font style="font-family: 'Times New Roman';"><u>Section 2.03</u></font>. Subject to the effect of applicable abandoned property, escheat or similar laws, following surrender of any
              such Certificate there shall be paid to the holder of the whole shares of NBT Stock issued in exchange therefor, without interest, <a name="DocXTextRef33"></a>(i) at the time of such surrender, the amount of dividends or other distributions
              with a record date after the Effective Time theretofore paid with respect to such whole shares of NBT Stock and the amount of any cash payable in lieu of a fractional share of NBT Stock to which such holder is entitled pursuant to subsection
              (f), and (ii) at the appropriate payment date, the amount of dividends or other distributions with a record date after the Effective Time but prior to such surrender and with a payment date subsequent to such surrender payable with respect to
              such whole shares of NBT Stock. NBT shall make available to the Exchange Agent cash for these purposes, if necessary.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref173149911"></a><a name="z_Ref57906973"></a>Notwithstanding





              any other provision hereof, no fractional shares of NBT Stock and no certificates or scrip therefor, or other evidence of ownership thereof, will be issued in the Merger; no dividend or distribution by NBT shall relate to such fractional
              share interests; and such fractional share interests will not entitle the owner thereof to vote or to any other rights as a stockholder of NBT. In lieu of any such fractional shares, NBT shall pay to each holder of a fractional share of NBT
              Stock an amount of cash (without interest) determined by multiplying the fractional share interest to which such holder would otherwise be entitled by the average of the daily closing prices during the regular session of NBT Stock as reported
              on NASDAQ for the five <a name="DocXTextRef35"></a>(5) consecutive trading days ending on the third Business Day immediately prior to the Closing Date, rounded to the nearest whole cent (the &#8220;<font style="font-family: 'Times New Roman';"><u>NBT





                  Measurement Price</u></font>&#8221;).</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149912"></a>NBT, in the exercise of its
              reasonable discretion, shall have the right to make all determinations, not inconsistent with the terms of this Agreement, governing <a name="DocXTextRef36"></a>(A) the issuance and delivery of shares of NBT Stock into which shares of Evans
              Stock are converted in the Merger and <a name="DocXTextRef37"></a>(B) the method of payment of cash in lieu of fractional shares of NBT Stock.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.04</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref530083380"></a><a name="z_Toc24547068"></a><a name="z_Toc256000017"></a><a name="z_Toc118731543"></a><a name="z_Toc176519050"></a><font style="font-family: 'Times New Roman';"><u>Anti-Dilution Provisions</u></font></font></font>.&#160;





          In the event NBT or Evans changes (or establishes a record date for changing) the number of, or provides for the exchange of, shares of NBT Stock or Evans Stock issued and outstanding prior to the Effective Time as a result of a stock split,
          stock dividend, recapitalization, reclassification, or similar transaction with respect to the outstanding NBT Stock or Evans Stock and the record date therefor shall be prior to the Effective Time, the Exchange Ratio shall be proportionately and
          appropriately adjusted; <font style="font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-family: 'Times New Roman'; font-style: italic;">however</font>, that, for the avoidance of doubt, no such adjustment
          shall be made with regard to NBT Stock if <a name="DocXTextRef38"></a>(a) NBT issues additional shares of NBT Stock and receives consideration for such shares in a bona fide third party transaction, <a name="DocXTextRef39"></a>(b) NBT issues
          additional shares of NBT Stock under the NBT Bancorp Inc. 2024 Omnibus Incentive Plan, or <a name="DocXTextRef40"></a>(c) NBT issues employee, director or other key service provider stock grants or similar equity awards or shares of NBT Stock
          upon the exercise or settlement thereof.</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.05</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547069"></a><a name="z_Toc256000018"></a><a name="z_Ref25628921"></a><a name="z_Toc118731544"></a><a name="z_Ref173149913"></a><a name="z_Toc176519051"></a><font style="font-family: 'Times New Roman';"><u>Reservation





                  of Shares</u></font></font></font>.&#160; Effective upon the date of this Agreement, NBT shall reserve for issuance a sufficient number of shares of NBT Stock for the purpose of issuing shares of NBT Stock to Evans shareholders in accordance
          with this Article II.</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.06</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc118731545"></a><a name="z_Ref173149914"></a><a name="z_Toc176519052"></a><font style="font-family: 'Times New Roman';"><u>Listing of Additional Shares</u></font></font></font>.&#160; Prior to the Effective Time,
          NBT shall notify NASDAQ of the additional shares of NBT Stock to be issued by NBT in exchange for the shares of Evans Stock.</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.07</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc118731546"></a><a name="z_Ref173149915"></a><a name="z_Toc176519053"></a><font style="font-family: 'Times New Roman';"><u>Treatment of Equity Awards</u></font></font></font>.</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="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">7</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149916"></a><font style="font-family: 'Times New Roman';"><u>Treatment of Stock Options</u></font>.&#160; At the Effective Time, each option to purchase a share of Evans Stock (&#8220;<font style="font-family: 'Times New Roman';"><u>Evans Option</u></font>&#8221;), <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">whether vested or unvested, that is outstanding as of immediately prior to the Effective Time, shall, without any required action on the part of the holder thereof, be cancelled and automatically
                converted into the right to receive a lump sum cash payment, payable within ten days following the Effective Time, from Evans or Evans Bank, as applicable, equal to </font><a name="DocXTextRef41"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(i)&#160;the number of shares of Evans Stock subject to such Evans Option at the Effective Time, multiplied by (ii)&#160;the amount by which the Per Share Consideration exceeds the per share exercise price of such Evans
                Option, less applicable taxes and other withholdings and without interest. For the avoidance of doubt, if the per share exercise price for an Evans Option is equal to or in excess of the Per Share Consideration, such Evans Option shall be
                cancelled at the Effective Time in exchange for no consideration. For the avoidance of doubt, NBT shall not assume any Evans Options.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149917"></a><font style="font-family: 'Times New Roman';"><u>Treatment of Restricted Stock Awards</u></font></font></font>.&#160; <font style="font-family: 'Times New Roman';">Immediately prior to the Effective Time,
            any vesting or other forfeiture restrictions on each share of Evans Stock subject to a substantial risk of forfeiture (&#8220;<u>Evans Restricted Stock</u>&#8221;) outstanding as of immediately prior to the Effective Time shall, automatically and without
            any required action on the part of the holder thereof, accelerate in full and fully vest and shall be converted into, and become exchanged for the Merger Consideration within five (5) business days after the Effective Time, less applicable
            Taxes required to be withheld, if any, with respect to such vesting, and shall be treated as an issued and outstanding share of Evans Stock for the purposes of this Agreement</font>.&#160; For the avoidance of doubt, NBT shall not assume any Evans
          Restricted Stock.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><a name="z_Ref173149918"></a><font style="font-family: 'Times New Roman';"><u>Treatment of Performance-Based Restricted Stock Units</u>.&#160; Immediately prior to the Effective Time, each award of performance-based restricted stock units with
                respect to Evans Stock (&#8220;<u>Evans Performance-Based RSUs</u>&#8221;) outstanding as of immediately prior to the Effective Time </font><a name="DocXTextRef42"></a><font style="font-family: 'Times New Roman';">(i) shall become vested as to the
                number of shares of Evans Stock subject to such Evans Performance-Based RSU award that would vest based on the greater of target level achievement of all performance goals (without application of any modifier) or actual level of achievement
                of all relevant performance goals</font>(rounded to the nearest whole share), and (ii) shall be converted into, and become exchanged for the Merger Consideration within five (5) business days after the Effective Time, less applicable Taxes
              required to be withheld, if any, with respect to such vesting<font style="font-family: 'Times New Roman';">.&#160; For the avoidance of doubt, NBT shall not assume any Evans Performance-Based RSUs.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><a name="z_Ref173149919"></a><font style="font-family: 'Times New Roman';"><u>Treatment of Time-Based Restricted Stock Units</u>.&#160; Immediately prior to the Effective Time, each award of time-based restricted stock units with respect to Evans
                Stock (&#8220;<u>Evans Time-Based RSUs</u>&#8221;) outstanding as of immediately prior to the Effective Time shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest and shall be
                converted into, and become exchanged for the Merger Consideration within five (5) business days after the Effective Time, less applicable Taxes required to be withheld, if any, with respect to such vesting, and shall be treated as an issued
                and outstanding share of Evans Stock for the purposes of this Agreement.&#160; For the avoidance of doubt, NBT shall not assume any Evans Time-Based RSUs.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149920"></a>Prior<font style="font-family: 'Times New Roman';"> to the Effective Time, Evans shall take all actions that may be necessary or required (under any Evans Equity Plan, any applicable law, the applicable award agreements or otherwise)&#160;</font><a name="DocXTextRef46"></a><font style="font-family: 'Times New Roman';">(i) to effectuate the provisions of this<font style="color: rgb(0, 0, 0);">&#160;</font></font><u><font style="color: rgb(0, 0, 0);">Section 2.07</font></u><font style="font-family: 'Times New Roman';"><font style="color: rgb(0, 0, 0);">, </font>(ii) to terminate each Evans Equity Plan as of the Effective Time without any further obligation or liability, and (iii)&#160;to ensure that, from and after the
                Effective Time, holders of Evans Options, Evans Restricted Stock, and Evans RSUs shall have no rights with respect to thereto other than those rights specifically provided in&#160;this </font><u><font style="color: rgb(0, 0, 0);">Section 2.07</font></u><font style="font-family: 'Times New Roman';"><font style="color: rgb(0, 0, 0);">,</font> if any.</font></font></font></div>
        <div style="font-size: 10pt;"> <br>
        </div>
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          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">8</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE III</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><font style="font-family: 'Times New Roman';"><br>
          </font><a name="z_Ref530085691"></a><a name="z_Ref530085734"></a><a name="z_Ref530085752"></a><a name="z_Ref530086037"></a><a name="z_Ref530086280"></a><a name="z_Toc24547072"></a><a name="z_Toc256000021"></a><a name="z_Toc118731547"></a><a name="z_Ref173149921"></a><a name="z_Ref25628925"></a><a name="z_Ref174976518"></a><a name="z_Toc176519054"></a>REPRESENTATIONS AND WARRANTIES OF EVANS AND EVANS BANK</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><a name="z_Hlk113225351"></a>As a material inducement to NBT to enter into this Agreement and to consummate the transactions
          contemplated hereby, Evans and Evans Bank hereby make to NBT and NBT Bank the representations and warranties contained in this Article III, <font style="font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that neither
          Evans nor Evans Bank shall be deemed to have breached a representation or warranty as a consequence of the existence of any fact, event or circumstance unless such fact, event or circumstance, individually or taken together with all other facts,
          events or circumstances inconsistent with any representation or warranty contained in this Article III, has had or is reasonably likely to have, a Material Adverse Effect (disregarding for purposes of this proviso any materiality or Material
          Adverse Effect qualification or exception contained in any representation or warranty). Notwithstanding the immediately preceding sentence, the representations and warranties contained in (x) <font style="font-family: 'Times New Roman';"><u>Section





              3.04(a)</u></font> and <u>(b)</u> shall be deemed untrue and incorrect if not true and correct except to a de minimis extent, (y) <font style="font-family: 'Times New Roman';"><u>Section 3.02</u></font>, <font style="color: rgb(0, 0, 0);"><u>3.05</u>,
            <u>3.06</u>, <u>3.07</u>, <u>3.13(a)</u>, <u>3.15</u>, and <u>3.27</u></font> shall be deemed untrue and incorrect if not true and correct in all material respects and (z) <u>Section 3.10(a)</u> shall be deemed untrue and incorrect if not
          true and correct in all respects.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.01</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547073"></a><a name="z_Toc256000022"></a><a name="z_Ref25628926"></a><a name="z_Toc118731548"></a><a name="z_Ref173149922"></a><a name="z_Toc176519055"></a><a name="z_Hlk108612749"></a><font style="font-family: 'Times New Roman';"><u>Making of Representations and Warranties</u></font></font></font>.&#160; Except as set forth in the Evans Disclosure Schedule or the Evans SEC Documents, and subject to the preceding introductory
          paragraph of this Article III, each of Evans and Evans Bank hereby represents and warrants to NBT and NBT Bank that the statements contained in this Article III are true and correct as of the date of this Agreement and will be true and correct as
          of the Closing Date, except as to any representation or warranty that specifically relates to an earlier date, which only need be correct as of such earlier date.</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.02</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547074"></a><a name="z_Toc256000023"></a><a name="z_Toc118731549"></a><a name="z_Ref173149923"></a><font style="font-family: 'Times New Roman';"><u>Organization, Standing and Authority of Evans</u></font></font></font>.&#160;





          Evans is a New York corporation duly organized, validly existing and in good standing under the laws of the State of New York and is duly registered as a financial holding company under the Bank Holding Company Act of 1956, as amended (the &#8220;<font style="font-family: 'Times New Roman';"><u>BHC Act</u></font>&#8221;). Evans is duly licensed or qualified to do business in the States of the United States and foreign jurisdictions where its ownership or leasing of property or the conduct of its
          business requires such qualification <font style="font-family: 'Times New Roman';">except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Evans</font>. The Certificate of
          Incorporation, as amended, and the Amended and Restated Bylaws of Evans, copies of which have been made available to NBT, are true, complete and correct copies of such documents and are in full force and effect as of the date of this Agreement.</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.03</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref23699264"></a><a name="z_Toc24547075"></a><a name="z_Toc256000024"></a><a name="z_Toc118731550"></a><a name="z_Toc176519057"></a><font style="font-family: 'Times New Roman';"><u>Organization, Standing and
                  Authority of Evans Bank</u></font></font></font>.&#160; Evans Bank is a federally-chartered national bank duly organized, validly existing and in good standing under the laws of the United States. Evans Bank&#8217;s deposits are insured by the FDIC
          in the manner and to the fullest extent provided by applicable law, and all premiums and assessments required to be paid in connection therewith have been paid by Evans Bank when due. No proceedings for the revocation or termination of such
          deposit insurance are pending or, to the Knowledge of Evans, threatened. Evans Bank&#8217;s primary federal bank regulator is the OCC.&#160; Evans Bank is a member in good standing of the FHLBNY and, as of June 30, 2024, owns the requisite amount of stock
          of the FHLBNY as set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef49"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.03</u></font>.&#160; The Articles of Association, as
          amended, and By-Laws of Evans Bank, copies of which have been made available to NBT, are true, complete and correct copies of such documents and are in full force and effect as of the date of this Agreement.</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.04</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547076"></a><a name="z_Toc256000025"></a><a name="z_Ref25628928"></a><a name="z_Toc118731551"></a><font style="font-family: 'Times New Roman';"><u>Evans and Evans Bank Capital Stock</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628929"></a>The authorized capital stock
              of Evans consists solely of 10,000,000 shares of common stock, par value $0.50 per share, of which 5,609,507 shares (including Evans Restricted Stock) are issued and 5,526,670 shares are outstanding as of the date hereof (&#8220;<font style="font-family: 'Times New Roman';"><u>Evans Stock</u></font>&#8221;). As of the date hereof, there are 82,837 shares of Evans Stock held in treasury by Evans. The outstanding shares of Evans Stock have been, and all shares of Evans Stock
              reserved for issuance in connection with Evans Options and Evans RSUs will be, when issued in accordance with their respective terms, duly authorized and validly issued, and are fully paid, and non-assessable. Except for the Evans Options
              listed on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.04(c)(i)</u></font> and the Evans RSUs listed on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.04(c)(iii)</u></font>,
              Evans does not have any Rights issued or outstanding with respect to Evans Stock and Evans does not have any commitment to authorize, issue or sell any Evans Stock or Rights. </font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">9</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149925"></a><a name="z_Ref25628930"></a>The





              authorized capital stock of Evans Bank consists solely of 193,280 shares of common stock, par value $2.50 per share, of which 193,280 shares are outstanding as of the date hereof (&#8220;<font style="font-family: 'Times New Roman';"><u>Evans Bank
                  Stock</u></font>&#8221;). The outstanding shares of Evans Bank Stock have been duly authorized and validly issued, are fully paid and non-assessable, are owned by Evans free and clear of all Liens (except as provided under <a name="DocXTextRef50"></a>12 U.S.C. &#167; <a name="DocXTextRef51"></a>55 or any comparable provision of applicable state law) and were not issued in violation of any preemptive rights. Evans Bank does not have any Rights issued or outstanding
              with respect to Evans Bank Stock and Evans Bank does not have any commitment to authorize, issue or sell any Evans Bank Stock or Rights.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149926"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><u>Evans Disclosure Schedule 3.04(c)(i)</u>&#160;contains a list setting forth, as of the date of this Agreement, with respect to each outstanding Evans Option, </font><a name="DocXTextRef52"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(i)&#160;the name of the holder of such Evans Option, (ii)&#160;whether the holder is a current or former employee, director or other individual service provider of Evans or any of its
                Subsidiaries, (iii)&#160;the number of shares of Evans Stock covered by such Evans Option, (iv)&#160;the exercise price per share with respect to such Evans Option, </font><a name="DocXTextRef53"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(v)&#160;the date of grant of such Evans Option, (vi)&#160;the date of expiration of such Evans Option, (vii)&#160;the vesting schedule applicable to such Evans Option, including whether such Evans Option is subject to accelerated
                vesting in connection with the consummation of the transactions contemplated hereby, (viii)&#160;whether such Evans Option is an incentive stock option or a nonqualified stock option, and (ix)&#160;the applicable Evans Equity Plan under which such
                Evans Option was granted.</font><font style="font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">&#160;</font><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Upon issuance in accordance with the terms of
                the applicable Evans Equity Plan and award agreements, the shares of Evans Stock issued pursuant to the Evans Options have been and shall be issued in compliance with all applicable laws.&#160;<u>Evans Disclosure Schedule 3.04(c)(ii)</u>&#160;contains





                a list setting forth, as of the date of this Agreement, with respect to each outstanding share of Evans Restricted Stock, </font><a name="DocXTextRef54"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(i)&#160;the name of
                the holder of such Evans Restricted Stock, (ii)&#160;whether the holder is a current or former employee, director or other individual service provider of Evans or any of its Subsidiaries, (iii)&#160;the number of shares of Evans Stock covered by such
                Evans Restricted Stock award, (iv)&#160;the date of grant of such Evans Restricted Stock award, </font><a name="DocXTextRef55"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(v)&#160;the vesting schedule applicable to such
                Evans Restricted Stock, including whether such Evans Restricted Stock is subject to accelerated vesting in connection with the consummation of the transactions contemplated hereby, and (vi)&#160;the applicable Evans Equity Plan under which such
                Evans Restricted Stock was granted</font>. <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><u>Evans Disclosure Schedule 3.04(c)(iii)</u>&#160;contains a list setting forth, as of the date of this Agreement, with respect to
                each outstanding Evans RSU, </font><a name="DocXTextRef56"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(i)&#160;the name of the holder of such Evans RSU, (ii)&#160;whether the holder is a current or former employee,
                director or other individual service provider of Evans or any of its Subsidiaries, (iii)&#160;the number of shares of Evans Stock covered by such Evans RSU award, (iv)&#160;the date of grant of such Evans RSU award, </font><a name="DocXTextRef57"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(v)&#160;the vesting schedule applicable to such Evans RSU, including whether such Evans RSU is subject to accelerated vesting in connection with the consummation of the transactions
                contemplated hereby, (vi)&#160;the applicable Evans Equity Plan under which such Evans RSU was granted, and (vii) whether such Evans RSU is subject to </font><a name="DocXTextRef58"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 409A of the Code.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.05</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547077"></a><a name="z_Toc256000026"></a><a name="z_Toc118731552"></a><font style="font-family: 'Times New Roman';"><u>Subsidiaries</u></font></font></font>. Except as set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef59"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.05</u></font>, Evans does not, directly or indirectly, own or control any Affiliate.
          Except as disclosed on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef60"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.05</u></font>, Evans does not have any equity interest,
          direct or indirect, in any other bank or corporation or in any partnership, joint venture or other business enterprise or entity, except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a
          fiduciary capacity, and the business carried on by Evans has not been conducted through any other direct or indirect Subsidiary or Affiliate of Evans.&#160; No such equity investment identified in <font style="font-family: 'Times New Roman';"><u>Evans





              Disclosure </u></font><a name="DocXTextRef61"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.05</u></font> is prohibited by applicable federal or state laws and regulations.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">10</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.06</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547078"></a><a name="z_Toc256000027"></a><a name="z_Toc118731553"></a><a name="z_Ref173149928"></a><a name="z_Ref25628933"></a><a name="z_Toc176519060"></a><font style="font-family: 'Times New Roman';"><u>Corporate





                  Power; Minute Books</u></font></font></font>.&#160; Each of Evans and Evans Bank has the corporate power and authority to carry on its business as it is now being conducted and to own all its properties and assets; and each of Evans and Evans
          Bank has the corporate power and authority to execute, deliver and perform its obligations under this Agreement and to consummate the transactions contemplated hereby, subject to receipt of all necessary approvals of Governmental Authorities and
          the approval of Evans&#8217;s shareholders of this Agreement.&#160; To the extent that either Evans or Evans Bank exercises trust powers or acts as a fiduciary, it holds all required approvals of the OCC.&#160; The minute books of Evans contain true, complete
          and accurate records, in all material respects, of all meetings and other corporate actions held or taken by shareholders of Evans and the Evans Board (including committees of the Evans Board). The minute books of Evans Bank contain true,
          complete and accurate records, in all material respects, of all meetings and other corporate actions held or taken by shareholders of Evans Bank and the Evans Bank Board (including committees of the Evans Bank Board).</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.07</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547079"></a><a name="z_Toc256000028"></a><a name="z_Toc118731554"></a><a name="z_Ref173149929"></a><a name="z_Ref25628934"></a><a name="z_Toc176519061"></a><font style="font-family: 'Times New Roman';"><u>Execution





                  and Delivery</u></font></font></font>.&#160; Subject to the approval of this Agreement by the shareholders of Evans, this Agreement and the transactions contemplated hereby have been authorized by all necessary corporate action of Evans, the
          Evans Board, Evans Bank and the Evans Bank Board on or prior to the date hereof.&#160; The Evans Board has directed that this Agreement be submitted to Evans&#8217;s shareholders for approval at a meeting of such shareholders and, except for the approval
          and adoption of this Agreement by the requisite affirmative vote of the holders of the outstanding shares of Evans Stock entitled to vote thereon, no other vote of the shareholders of Evans is required by law, the <a name="z_Hlk173235361"></a>Certificate





          of Incorporation, as amended, and the Amended and Restated Bylaws of Evans or otherwise to approve this Agreement and the transactions contemplated hereby.&#160; Evans and Evans Bank have duly executed and delivered this Agreement and, assuming due
          authorization, execution and delivery by NBT and NBT Bank, this Agreement is a valid and legally binding obligation of Evans and Evans Bank, enforceable in accordance with its terms (except as enforceability may be limited by applicable
          bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
        <div style="font-size: 10pt; text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.08</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547080"></a><a name="z_Toc256000029"></a><a name="z_Ref25628935"></a><a name="z_Toc118731555"></a><a name="z_Ref173149930"></a><a name="z_Toc176519062"></a><font style="font-family: 'Times New Roman';"><u>Regulatory





                  Approvals; No Defaults</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628936"></a>No consents or approvals of,
              or waivers by, or filings or registrations with, any Governmental Authority or with any third party are required to be made or obtained by Evans or any of its Subsidiaries in connection with the execution, delivery or performance by Evans or
              Evans Bank of this Agreement or to consummate the transactions contemplated hereby, except for <a name="DocXTextRef62"></a>(i)&#160;filings of applications, notices or waiver requests, and consents, approvals or waivers described in <u>Section
                4.08(b)</u>, and (ii)&#160;the approval of this Agreement by the requisite affirmative vote of the holders of the outstanding shares of Evans Stock.&#160; As of the date hereof, Evans has no Knowledge of any reason why the approvals set forth above
              and referred to in <font style="font-family: 'Times New Roman';"><u>Section 6.01(a)</u></font> will not be received in a timely manner.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628937"></a><a name="z_Hlk113231196"></a>Subject





              to receipt of the consents, approvals and waivers and the making of the filings referred to in the preceding paragraph, and the expiration of related waiting periods, the execution, delivery and performance of this Agreement by Evans and
              Evans Bank, as applicable, and the consummation of the transactions contemplated hereby do not and will not <a name="DocXTextRef63"></a>(i)&#160;constitute a breach or violation of, or a default under, the Certificate of Incorporation, as
              amended, and the Amended and Restated Bylaws of Evans (or similar governing documents) or similar governing documents of any of its Subsidiaries, (ii)&#160;violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or
              injunction applicable to Evans or any of its Subsidiaries, or any of its properties or assets, or (iii)&#160;except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.08(b)</u></font>, violate, conflict
              with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
              termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the properties or assets of Evans or any of its Subsidiaries under, any of the terms, conditions or provisions of any
              note, bond, mortgage, indenture, deed of trust, license, lease, contract, agreement or other instrument or obligation to which Evans or any of its Subsidiaries is a party, or by which it or any of its properties or assets may be bound or
              affected, except, in the case of clauses (ii) and (iii), for such violations, conflicts, breaches, defaults or termination or cancellation rights which, either individually or in the aggregate, would not reasonably be expected to have a
              Material Adverse Effect on Evans or Evans Bank.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">11</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.09</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547081"></a><a name="z_Toc256000030"></a><a name="z_Ref25628938"></a><a name="z_Toc118731556"></a><a name="z_Ref173149931"></a><a name="z_Toc176519063"></a><font style="font-family: 'Times New Roman';"><u>Financial





                  Statements; SEC Documents</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628939"></a><a name="z_Hlk108635430"></a><a name="z_Hlk56713196"></a>Evans has previously made available to NBT copies of the Evans Financial Statements. The Evans Financial Statements (including the related notes, where applicable) fairly present in all material respects (subject,
              in the case of the unaudited statements, to recurring audit adjustments normal in nature and amount), the results of the operations and financial position of Evans and its consolidated Subsidiaries for the respective fiscal periods or as of
              the respective dates therein set forth; each of such statements (including the related notes, where applicable) complies with applicable accounting requirements; and each of such statements (including the related notes, where applicable) has
              been prepared in accordance with GAAP consistently applied during the periods involved, except as indicated in the notes thereto.&#160; The books and records of Evans have been, and are being, maintained in accordance with GAAP and any other
              applicable legal and accounting requirements and reflect only actual transactions.&#160; Crowe LLP has not resigned or been dismissed as independent public accountants of Evans as a result of or in connection with any disagreements with Evans on a
              matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><a name="z_Ref173149932"></a><a name="z_Ref25628941"></a><font style="font-family: 'Times New Roman';">Evans&#8217;s Annual Report on Form </font><a name="DocXTextRef66"></a><font style="font-family: 'Times New Roman';">10-K, as amended through the date of this Agreement, for
                the fiscal year ended December&#160;31, 2023 (the &#8220;<u>Evans 2023 Form </u></font><a name="DocXTextRef67"></a><font style="font-family: 'Times New Roman';"><u>10-K</u>&#8221;), and all other reports, registration statements, definitive proxy
                statements or information statements required to be filed or furnished by Evans or any of its Subsidiaries subsequent to January&#160;1, 2024, under the Securities Act, or under </font><a name="DocXTextRef72"></a><font style="font-family: 'Times New Roman';">Sections 13(a), </font><a name="DocXTextRef64"></a><font style="font-family: 'Times New Roman';">13(c), </font><a name="DocXTextRef69"></a><font style="font-family: 'Times New Roman';">14 and </font><a name="DocXTextRef65"></a><font style="font-family: 'Times New Roman';">15(d) of the Exchange Act (collectively, the &#8220;<u>Evans SEC Documents</u>&#8221;), with the Securities and Exchange Commission (the &#8220;<u>SEC</u>&#8221;), and all of the Evans SEC
                Documents filed with the SEC after the date of this Agreement, in the form filed or to be filed, </font><a name="DocXTextRef71"></a><font style="font-family: 'Times New Roman';">(i)&#160;complied or will comply as to form in all material
                respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii)&#160;did not and will not contain any untrue statement of a material fact or omit to state a material fact required to be stated
                therein or necessary to make the statements made therein, in light of the circumstances under which they were made, not misleading. Except for those liabilities that are fully reflected or reserved against in the most recent audited
                consolidated balance sheet of Evans and its Subsidiaries contained in the Evans 2023 Form </font><a name="DocXTextRef70"></a><font style="font-family: 'Times New Roman';">10-K and, except for liabilities reflected in Evans SEC Documents
                filed prior to the date of this Agreement or incurred in the ordinary course of business consistent with past practices or in connection with this Agreement, since December&#160;31, 2023, neither Evans nor any of its Subsidiaries has any
                liabilities or obligations of any nature (whether accrued, absolute, contingent or otherwise) required by GAAP to be set forth on its consolidated balance sheet or in the notes thereto.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><a name="z_Ref173149933"></a><font style="font-family: 'Times New Roman';">Evans and each of its Subsidiaries, officers and directors are in compliance with, and have complied in all material respects, with </font><a name="DocXTextRef74"></a><font style="font-family: 'Times New Roman';">(1)&#160;the applicable provisions of Sarbanes-Oxley and the related rules and regulations promulgated under such act and the Exchange Act, and (2)&#160;the applicable listing and corporate governance rules and regulations of NYSE. Evans
              </font><a name="DocXTextRef75"></a><font style="font-family: 'Times New Roman';">(i)&#160;has established and maintained disclosure controls and procedures and internal control over financial reporting (as such terms are defined in paragraphs </font><a name="DocXTextRef73"></a><font style="font-family: 'Times New Roman';">(e)&#160;and </font><a name="DocXTextRef76"></a><font style="font-family: 'Times New Roman';">(f), respectively, of Rule&#160;13a-15&#160;under the Exchange Act) as required by
                Rule&#160;13a-15&#160;under the Exchange Act, and (ii)&#160;has disclosed based on its most recent evaluations, to its outside auditors and the audit committee of the Evans Board </font><a name="DocXTextRef77"></a><font style="font-family: 'Times New Roman';">(A)&#160;all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule&#160;13a-15(f)&#160;of the Exchange Act) which are reasonably likely to adversely affect
                Evans&#8217;s ability to record, process, summarize and report financial data and </font><a name="DocXTextRef78"></a><font style="font-family: 'Times New Roman';">(B)&#160;any fraud, whether or not material, that involves management or other
                employees who have a significant role in Evans&#8217;s internal control over financial reporting.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">12</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.10</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547082"></a><a name="z_Toc256000031"></a><a name="z_Ref25628942"></a><a name="z_Toc118731557"></a><a name="z_Ref173149934"></a><a name="z_Toc176519064"></a><font style="font-family: 'Times New Roman';"><u>Absence of Certain Changes or Events</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628943"></a>Since December 31, 2023,
              there has been no change or development or combination of changes or developments which, individually or in the aggregate, has had or is reasonably likely to have a Material Adverse Effect on Evans.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628944"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.10(b)</u></font>, since December 31, 2023, each of Evans and its Subsidiaries has carried on its business only in the ordinary and usual course of business consistent
              with its past practices (except for actions in connection with the transactions contemplated by this Agreement).</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628945"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.10(c)</u></font>, since December 31, 2023, none of Evans or any of its Subsidiaries has <a name="DocXTextRef79"></a>(i) except in the ordinary course of business
              consistent with past practice <a name="DocXTextRef80"></a>(A), increased the wages, salaries, compensation, pension, or other fringe benefits or perquisites payable to any current or former employee, director or other individual service
              provider from the amount thereof in effect as of December 31, 2023, <a name="DocXTextRef81"></a>(B) except as disclosed in the Evans SEC Documents, granted any severance, termination pay, bonus, retention bonus, or change in control
              benefits, entered into any contract to make or grant any severance, termination pay, bonus, retention bonus, or change in control benefits, or paid any bonus or retention bonus, or <a name="DocXTextRef82"></a>(C) except in the ordinary
              course of business consistent with past practice, granted any Evans Options, Evans Restricted Stock or Evans RSUs, (ii) except as disclosed in the Evans SEC Documents, declared, set aside or paid any dividend or other distribution (whether in
              cash, stock or property) with respect to any of Evans&#8217;s capital stock, (iii) effected or authorized any split, combination or reclassification of any of Evans&#8217;s capital stock or any issuance or issued any other securities in respect of, in
              lieu of or in substitution for shares of Evans&#8217;s capital stock, (iv) except as disclosed in the Evans SEC Documents, changed any accounting methods (or underlying assumptions), principles or practices of Evans affecting its assets,
              liabilities or business, including without limitation, any reserving, renewal or residual method, practice or policy, <a name="DocXTextRef83"></a>(v) made any tax election by Evans or any settlement or compromise of any income tax liability
              by Evans, (vi) made any material change in Evans&#8217;s policies and procedures in connection with underwriting standards, origination, purchase and sale procedures or hedging activities with respect to any Loans, (vii) suffered any strike, work
              stoppage, slow-down, or other labor disturbance, (viii) been a party to a collective bargaining agreement, contract or other agreement or understanding with a labor union or organization, (ix) had any union organizing activities or <a name="DocXTextRef84"></a>(x) made any agreement or commitment (contingent or otherwise) to do any of the foregoing.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.11</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547084"></a><a name="z_Toc256000033"></a><a name="z_Ref25628947"></a><a name="z_Toc118731558"></a><a name="z_Ref173149935"></a><a name="z_Toc176519065"></a><font style="font-family: 'Times New Roman';"><u>Regulatory





                  Matters</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628948"></a>Each of Evans and its
              Subsidiaries has timely filed all reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since January 1, 2022 with any Governmental Authority and has paid
              all fees and assessments due and payable in connection therewith.&#160; Except for normal examinations conducted by any Governmental Authority in the regular course of the business of Evans, and except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef85"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.11</u></font>, no Governmental Authority has initiated any proceeding, or to the Knowledge of Evans,
              investigation into the business or operations of Evans or any of its Subsidiaries, since January 1, 2022.&#160; There is no unresolved violation or matter requiring attention issued by any Governmental Authority in connection with any report or
              statement relating to any examinations of Evans Bank, except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.11</u></font>.&#160; Each of Evans and Evans Bank is &#8220;well-capitalized&#8221; as defined in
              applicable laws and regulations, and Evans Bank has a Community Reinvestment Act of 1977, as amended (the &#8220;<font style="font-family: 'Times New Roman';"><u>Community Reinvestment Act</u></font>&#8221;), rating of &#8220;satisfactory&#8221; or better.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">13</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149936"></a><a name="z_Ref25628950"></a>Other





              than as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef86"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.11</u></font>, since January 1, 2022, Evans has timely
              filed with the SEC and NYSE all documents required by the Securities Act and the Exchange Act and such documents, as the same may have been amended, complied, at the time filed with the SEC, in all material respects with the Securities Act
              and the Exchange Act.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149937"></a>Neither Evans, Evans Bank,
              nor any of their respective properties is a party to or is subject to any order, decree, agreement, memorandum of understanding or similar arrangement with, or a commitment letter or similar submission to, or extraordinary supervisory letter
              (each a &#8220;<font style="font-family: 'Times New Roman';"><u>Regulatory Order</u></font>&#8221;) from any Governmental Authority charged with the supervision or regulation of financial institutions or issuers of securities institutions or engaged in
              the insurance of deposits (including, without limitation, the OCC and the FRB) or the supervision or regulation of it.&#160; Neither Evans nor Evans Bank has been advised by, or has any Knowledge of facts which could give rise to an advisory
              notice by, any Governmental Authority that such Governmental Authority is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting) any Regulatory Order.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149938"></a>Without limiting the
              generality of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-family: 'Times New Roman';"><u>Section 3.11</u></font> is subject to the limitations of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.12</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547085"></a><a name="z_Toc256000034"></a><a name="z_Ref25628951"></a><a name="z_Toc118731559"></a><a name="z_Ref173149939"></a><a name="z_Toc176519066"></a><font style="font-family: 'Times New Roman';"><u>Legal





                  Proceedings; Regulatory Action</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628952"></a>Other than as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.12</u></font>, <a name="DocXTextRef90"></a>(i) there are no pending or, to Evans&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims,
              actions against, or governmental or regulatory investigations of, Evans or any of its Subsidiaries and (ii) to Evans&#8217;s Knowledge, there are no facts which would reasonably be expected to give rise to such litigation, claim, suit,
              investigation or other proceeding.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628953"></a>Neither Evans nor Evans Bank
              is a party to any, nor are there any pending or, to Evans&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against Evans or Evans Bank in which, to the
              Knowledge of Evans, there is a reasonable probability of any material recovery against or a Material Adverse Effect on Evans or which challenges the validity or propriety of the transactions contemplated by this Agreement.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628954"></a>There is no injunction,
              order, judgment or decree imposed upon Evans or any of its Subsidiaries, or their respective assets, and no such action has been threatened against Evans or any of its Subsidiaries.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><a name="z_Ref173149940"></a><a name="z_Ref25628955"></a><font style="font-family: 'Times New Roman';">None of Evans or any of its Subsidiaries has been subject to any order or directive by, or been ordered to pay any civil money penalty by,
                or has been since January&#160;1, 2022, a recipient of any supervisory letter from, or since January&#160;1, 2022, has adopted any policies, procedures or board resolutions at the request or suggestion of, any Governmental Authority that currently
                regulates in any material respect the conduct of its business or that in any manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business, other than those of
                general application that apply to similarly-situated banks or financial holding companies or their subsidiaries.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">14</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149941"></a>Neither Evans nor Evans
              Bank has been advised by a Governmental Authority that it will issue, or has Knowledge of any facts which would reasonably be expected to give rise to the issuance by any Governmental Authority or has Knowledge that such Governmental
              Authority is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting), any such order, decree, agreement, board resolution, memorandum of understanding, supervisory letter, commitment letter,
              condition or similar submission.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149942"></a>Without limiting the
              generality of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-family: 'Times New Roman';"><u>Section 3.12</u></font> is subject to the limitations of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.13</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547086"></a><a name="z_Toc256000035"></a><a name="z_Ref25628956"></a><a name="z_Toc118731560"></a><a name="z_Ref173149943"></a><a name="z_Toc176519067"></a><font style="font-family: 'Times New Roman';"><u>Compliance





                  with Laws</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628957"></a>Each of Evans and its
              Subsidiaries is in compliance in all material respects with all applicable federal, state, local and foreign statutes, laws, regulations, ordinances, rules, judgments, orders or decrees applicable thereto or to the employees conducting such
              businesses, including, without limitation, the Investment Company Act of 1940, as amended, the Equal Credit Opportunity Act, as amended, the Fair Housing Act, as amended, the Community Reinvestment Act, the Home Mortgage Disclosure Act, the
              Bank Secrecy Act of 1970, as amended, the USA PATRIOT Act, and all other applicable fair lending and fair housing laws or other laws relating to discrimination.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628958"></a>Each of Evans and its
              Subsidiaries has all permits, licenses, authorizations, orders and approvals of, and have made all filings, applications and registrations with, all Governmental Authorities that are required in order to permit it to own or lease its
              properties and to conduct its business as presently conducted <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">except where the failure to hold such permits, licensees, authorizations, orders or approvals, or the failure to
                make such filings, applications or registrations would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on </font>Evans <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or </font>its





              Subsidiaries; all such permits, licenses, certificates of authority, orders and approvals are in full force and effect and, to Evans&#8217;s Knowledge, no suspension or cancellation of any of them is threatened.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628959"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.13(c)</u></font>, none of Evans or any Subsidiary has received, since January 1, 2022, any notification or communication from any Governmental Authority <a name="DocXTextRef95"></a>(i)&#160;asserting that it is not in compliance with any of the statutes, regulations or ordinances which such Governmental Authority enforces or (ii)&#160;threatening to revoke any license, franchise, permit or governmental
              authorization (nor, to Evans&#8217;s Knowledge, do any grounds for any of the foregoing exist).</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628960"></a>Since January 1, 2022, Evans
              has conducted any finance activities (including, without limitation, mortgage banking and mortgage lending activities and consumer finance activities) in all material respects in compliance with all applicable statutes and regulations
              regulating the business of consumer lending, including, without limitation, state usury laws, the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Consumer Credit Protection Act, the Equal Credit Opportunity Act, the Fair
              Credit Reporting Act, the Homeowners Ownership and Equity Protection Act, the Fair Debt Collection Practices Act and other federal, state, local and foreign laws regulating lending (collectively, &#8220;<font style="font-family: 'Times New Roman';"><u>Finance





                  Laws</u></font>&#8221;), and with all applicable origination, servicing and collection practices, as established by Evans or Evans Bank, with respect to any loan or credit extension by such entity.&#160; In addition, there is no pending or, to the
              Knowledge of Evans, threatened charge by any Governmental Authority that Evans has violated, nor any pending or, to Evans&#8217;s Knowledge, threatened investigation by any Governmental Authority with respect to possible violations of, any
              applicable Finance Laws.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149944"></a>Without limiting the
              generality of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-family: 'Times New Roman';"><u>Section 3.13</u></font> is subject to the limitations of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">15</font></div>
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        </div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.14</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547087"></a><a name="z_Toc256000036"></a><a name="z_Ref25628961"></a><a name="z_Toc118731561"></a><a name="z_Ref173149945"></a><a name="z_Toc176519068"></a><font style="font-family: 'Times New Roman';"><u>Material





                  Contracts; Defaults</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref530083502"></a>Other than as set forth in
              <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.14</u></font> or as filed with the Evans SEC Documents, none of Evans or any of its Subsidiaries is a party to, bound by or subject to any agreement, contract,
              arrangement, commitment or understanding (whether written or oral): <a name="DocXTextRef99"></a>(i)&#160;with respect to the employment or service of any current or former employees, or directors of Evans or any of its Subsidiaries; (ii)&#160;which
              would entitle any current or former employee, director, other individual service provider or agent of Evans or any of its Subsidiaries to indemnification from Evans or such Subsidiaries; (iii)&#160;any agreement, arrangement, or commitment
              (whether written or oral) which, upon the consummation of the transactions contemplated by this Agreement would result in any payment (whether of change in control, bonus, retention bonus, severance pay or otherwise) becoming due from Evans
              or any of its Subsidiaries to any current or former employee, director, or other individual service provider thereof; (iv) which is not terminable on sixty (60)&#160;days or less notice and involving the payment of more than $100,000 per annum; <a name="DocXTextRef100"></a>(v) is material to the financial condition, results of operations or business of Evans or any of its Subsidiaries; (vi) is a Lease; or (vii)&#160;which materially restricts the conduct of any business by Evans.&#160; Evans
              has previously delivered or made available to NBT true, complete and correct copies of each such document.&#160; Each contract, arrangement, commitment or understanding of the type of described in this <font style="font-family: 'Times New Roman';"><u>Section 3.14(a)</u></font>, whether or not set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.14</u></font> is referred to herein as a &#8220;<font style="font-family: 'Times New Roman';"><u>Material





                  Contract</u></font>.&#8221;</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628962"></a>To its Knowledge, neither
              Evans nor any of its Subsidiaries is in default under any Material Contract, and there has not occurred any event that, with the lapse of time or the giving of notice or both, would constitute such a default.&#160; No power of attorney or similar
              authorization given directly or indirectly by Evans or any of its Subsidiaries is currently outstanding.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.15</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547088"></a><a name="z_Toc256000037"></a><a name="z_Ref25628963"></a><a name="z_Toc118731562"></a><a name="z_Ref173149946"></a><a name="z_Ref25629441"></a><a name="z_Toc176519069"></a><font style="font-family: 'Times New Roman';"><u>Brokers</u></font></font></font>.&#160; Neither Evans nor any of its Subsidiaries nor any of their respective officers or directors has employed any broker or finder or incurred any liability for any
          broker&#8217;s fees, commissions or finder&#8217;s fees in connection with any of the transactions contemplated by this Agreement, except that Evans has engaged, and will pay a fee or commission to, Piper Sandler&#160;&amp; Co. A true, complete and correct copy
          of the engagement letter with Piper Sandler&#160;&amp; Co. has been provided to NBT.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.16</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547089"></a><a name="z_Toc256000038"></a><a name="z_Ref25628964"></a><a name="z_Toc118731563"></a><a name="z_Ref173149947"></a><a name="z_Toc176519070"></a><font style="font-family: 'Times New Roman';"><u>Employee





                  Benefit Plans</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628965"></a>All benefit and compensation
              <a name="z_Hlk56803800"></a>plans, contracts, programs, policies or arrangements maintained, sponsored or contributed to by Evans, Evans Bank, or any of their Subsidiaries, or with respect to which Evans, Evans Bank or any of their
              Subsidiaries has any liability, whether actual or contingent, covering current or former employees of Evans, Evans Bank, or any of their Subsidiaries (collectively, the &#8220;<font style="font-family: 'Times New Roman';"><u>Evans Employees</u></font>&#8221;),





              current or former directors of Evans, Evans Bank or any of their Subsidiaries, any other current or former individual service providers of Evans, Evans Bank, or any of their Subsidiaries, or the dependents or beneficiaries of any of the
              foregoing, including, but not limited to, &#8220;employee benefit plans&#8221; within the meaning of Section&#160;3(3) of ERISA, and deferred compensation, stock option, stock purchase, stock appreciation rights, stock based compensation, supplemental
              retirement, employment, consulting, termination, severance, change in control, separation, retention, incentive, bonus, fringe benefit, health, medical, dental, vision, disability, accident, life insurance, welfare benefit, cafeteria,
              flexible spending, vacation, paid time off or perquisite plans, contracts, programs, policies or arrangements, in each case, whether written or unwritten (the &#8220;<font style="font-family: 'Times New Roman';"><u>Evans Benefit Plans</u></font>&#8221;),
              are identified in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.16(a)</u></font>.&#160; Evans or Evans Bank has delivered or made available to NBT a copy of each Evans Benefit Plan (or a written description of the
              material provisions of each unwritten Evans Benefit Plan) and, with respect thereto, as applicable, <a name="DocXTextRef105"></a>(i) all amendments, currently effective trust (or other funding vehicle) agreements and insurance contracts,
              (ii) the most recent summary plan description (and all summaries of material modifications thereto), (iii) the most recent actuarial report (or other financial statement relating to such Evans Benefit Plan), (iv) the three <a name="DocXTextRef104"></a>(3) most recently filed Forms 5500 (with all <a name="DocXTextRef103"></a>schedules and attachments), <a name="DocXTextRef106"></a>(v) the most recent determination (or, if applicable, opinion or advisory) letter
              from the IRS and (vi) all material correspondence to or from a Governmental Authority during the past three (3) years.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">16</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628966"></a>Each Evans Benefit Plan has
              been maintained and administered in material compliance with its terms and applicable law, including, without limitation, ERISA and the Code. Each Evans Benefit Plan which is an &#8220;employee pension benefit plan&#8221; within the meaning of
              Section&#160;3(2) of ERISA (a &#8220;<font style="font-family: 'Times New Roman';"><u>Evans Pension Plan</u></font>&#8221;) and which is intended to be qualified under <a name="DocXTextRef107"></a>Section&#160;401(a) of the Code, has received a favorable
              determination (or, if applicable, opinion or advisory) letter from the IRS, and to the Knowledge of Evans, there are no circumstances likely to result in revocation of any such favorable determination (or, if applicable, opinion or advisory)
              letter or the loss of the qualification of such Evans Pension Plan under <a name="DocXTextRef108"></a>Section&#160;401(a) of the Code.&#160; There is no pending or, to Evans&#8217;s Knowledge, threatened claim, action, suit, litigation, proceeding,
              arbitration, mediation, investigation or audit relating to the Evans Benefit Plans (other than routine claims for benefits in the normal course).&#160; Neither Evans, Evans Bank nor any of their Subsidiaries has engaged in any transaction with
              respect to any Evans Benefit Plan that, assuming the taxable period of such transaction expired as of the date hereof, could subject Evans, Evans Bank or any of their Subsidiaries to a material tax or penalty imposed by either Section&#160;4975 of
              the Code or <a name="DocXTextRef109"></a>Section&#160;502(i) of ERISA. No Evans Pension Plan which is a defined benefit plan subject to minimum funding requirements (each a &#8220;<font style="font-family: 'Times New Roman';"><u>Single Employer Plan</u></font>&#8221;)





              has an &#8220;accumulated funding deficiency,&#8221; whether or not waived, or is subject to a lien for unpaid contributions under Section 303(k) of ERISA or Section 430(k) of the Code.&#160; No Single Employer Plan has an &#8220;adjusted funding target attainment
              percentage,&#8221; as defined in Section 436 of the Code, less than eighty percent (80%). No Single Employer Plan has had any action initiated by the Pension Benefit Guaranty Corporation to terminate any such plan or to appoint a trustee for any
              such plan nor has any &#8220;reportable event,&#8221; as defined in Section 4043 of ERISA, with respect to which the reporting requirement has not been waived has occurred with respect to any such plan.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628967"></a>Except as set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.16(c)</u></font>, neither Evans, Evans Bank, any of their Subsidiaries nor any entity which is considered to be one employer with Evans, Evans Bank or any of their
              Subsidiaries under Section 4001 of ERISA or <a name="DocXTextRef110"></a>Section 414 of the Code (collectively, the &#8220;<font style="font-family: 'Times New Roman';"><u>Evans ERISA Group</u></font>&#8221;) maintains, sponsors, participates in or
              contributes to (or has any obligation to contribute to), or has ever maintained, sponsored, participated in or contributed to (or had any obligation to contribute to), or has or is reasonably expected to have any direct or indirect liability
              with respect to any plan subject to Title IV of ERISA, including any &#8220;multiemployer plan,&#8221; as defined in Section 3(37) of ERISA.&#160; The Evans ERISA Group has not (i)&#160;incurred or reasonably expects to incur, either directly or indirectly, any
              liability under Title I or Title IV of ERISA or related provisions of the Code or applicable local law relating to any Evans Benefit Plan; (ii) failed to timely pay premiums to the Pension Benefit Guaranty Corporation; (iii) engaged in any
              transaction which would give rise to liability under Section 4069 or Section 4212(c) of ERISA; or (iv) incurred taxes under Section 4971 of the Code with respect to any Evans Benefit Plan. None of the Evans Benefit Plans is a &#8220;multiple
              employer plan&#8221; (within the meaning of <a name="DocXTextRef111"></a>Section 210 of ERISA or <a name="DocXTextRef112"></a>Section 413(c) of the Code) or a &#8220;multiple employer welfare arrangement&#8221; (within the meaning of Section 3(40) of ERISA).</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628968"></a>All contributions, payments,
              premiums and other obligations required to be made under the terms of any Evans Benefit Plan or an agreement with any Evans Employee have been timely made or have been accurately reflected on the financial statements of Evans. All such
              contributions and premiums have been fully deducted for income tax purposes, and no such deduction has been challenged or disallowed by any governmental entity, and no event has occurred and no condition or circumstance has existed that could
              give rise to any such challenge or disallowance.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">17</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628969"></a>Other than as identified in
              <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.16(e)</u></font>, neither Evans, Evans Bank nor any of their Subsidiaries has any obligations to provide or fund retiree health or life insurance benefits, other
              than coverage as may be required under Section&#160;4980B of the Code or Part <a name="DocXTextRef113"></a>6 of Title I of ERISA, or under the continuation of coverage provisions of the applicable laws of any state or locality.&#160; Evans or Evans
              Bank may amend or terminate any Evans Benefit Plan identified in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.16(e)</u></font> at any time without incurring any liability thereunder.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref173149948"></a><a name="z_Ref25628970"></a>Other





              than as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.16(f)</u></font>, the execution of this Agreement, shareholder approval of this Agreement or consummation of any of the transactions
              contemplated by this Agreement (either alone or together with any other event) will not <a name="DocXTextRef114"></a>(i)&#160;entitle any Evans Employees to severance pay or any increase in severance pay upon any termination of employment after
              the date hereof, (ii)&#160;accelerate the time of payment or vesting or trigger any payment or funding (through a grantor trust or otherwise) of compensation or benefits under, increase the amount payable or trigger any other material obligation
              pursuant to, any of the Evans Benefit Plans, (iii)&#160;result in any breach or violation of, or a default under, any of the Evans Benefit Plans, (iv)&#160;result in any payment that would be a &#8220;parachute payment&#8221; to a &#8220;disqualified individual&#8221; as
              those terms are defined in <a name="DocXTextRef116"></a>Section&#160;280G of the Code, without regard to whether such payment is reasonable compensation for personal services performed or to be performed in the future, <a name="DocXTextRef115"></a>(v)&#160;limit





              or restrict the right of Evans or Evans Bank, or after the consummation of the transactions contemplated hereby, NBT, the Surviving Corporation or the Surviving Bank, to merge, amend, or terminate any of the Evans Benefit Plans, or (vi)
              result in payments that would not be deductible under <a name="DocXTextRef117"></a>Section 162(m) of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149949"></a>Other than as set forth in
              <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.16(g)</u></font>, neither Evans nor Evans Bank has any obligation to compensate any current or former employee, officer, director or other service provider of Evans,
              Evans Bank or any of their Subsidiaries for excise Taxes paid pursuant to Section 4999 of the Code. <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.16(g)</u></font> contains a schedule showing the monetary
              amounts payable as of the date specified in such schedule, whether individually or in the aggregate (including good faith estimates of all amounts not subject to precise quantification as of the date of this Agreement), under any employment,
              change-in-control, severance or similar contract, plan or arrangement with or which covers any present or former director, officer or employee of Evans or Evans Bank who may be entitled to any such amount and identifying the types and
              estimated amounts of the in-kind benefits due under any Evans Benefit Plans (other than a plan qualified under <a name="DocXTextRef118"></a>Section 401(a) of the Code) for each such person, specifying the assumptions in such schedule.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149950"></a><a name="z_Ref25628971"></a>Evans,





              Evans Bank, each of their Subsidiaries and each Evans Benefit Plan are in material compliance with the applicable terms of the Patient Protection and Affordable Care Act of 2010, as amended by the Health Care and Education Reconciliation Act
              of 2010, and the guidance and regulations issued under each of the foregoing.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149951"></a>Each Evans Benefit Plan
              that is a &#8220;nonqualified deferred compensation plan&#8221; (as such term is defined in <a name="DocXTextRef121"></a>Section 409A(d)(1) of the Code) and any deferral elections thereunder are in documentary compliance with and have been maintained
              and operated in compliance with its terms and the operational and documentary requirements of <a name="DocXTextRef119"></a>Section 409A of the Code and the regulations thereunder. Neither Evans, Evans Bank nor any of their Subsidiaries has
              any obligation to gross up, indemnify or otherwise reimburse any current or former officer, director, employee or consultant of Evans, Evans Bank or any of their Subsidiaries for any Taxes incurred by such individual pursuant to <a name="DocXTextRef120"></a>Section 409A of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.17</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547090"></a><a name="z_Toc256000039"></a><a name="z_Ref25628973"></a><a name="z_Toc118731564"></a><a name="z_Ref173149952"></a><a name="z_Toc176519071"></a><font style="font-family: 'Times New Roman';"><u>Labor





                  Matters</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
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          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">18</font></div>
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149953"></a>None of Evans or any of its
              Subsidiaries is a party to or bound by any collective bargaining agreement, contract or other agreement or understanding with a labor union or labor organization, nor is Evans or any of its Subsidiaries the subject of a proceeding asserting
              that it has committed an unfair labor practice (within the meaning of the National Labor Relations Act, as amended) or seeking to compel Evans or any of its Subsidiaries to bargain with any labor organization as to wages or conditions of
              employment, nor is there any strike or other labor dispute involving it pending or, to Evans&#8217;s Knowledge, threatened, nor is Evans or any of its Subsidiaries aware of any activity involving its employees seeking to certify a collective
              bargaining unit or engaging in other organizational activity.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149954"></a>Evans and each of its
              Subsidiaries is in material compliance with all applicable laws, statutes, rules and regulations respecting employment and employment practices, terms and conditions of employment of employees, former employees and prospective employees,
              wages and hours, pay equity, discrimination in employment, wrongful discharge, collective bargaining, fair labor standards, occupational health and safety, personal rights or any other labor and employment-related matters.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149955"></a>Evans and each of its
              Subsidiaries has paid in full to all of its employees or adequately accrued in accordance with GAAP all wages, salaries, commissions, bonuses, benefits and other compensation due to or on behalf of such employees.&#160; Evans and each of its
              Subsidiaries has properly classified all of its service providers as either employees or independent contractors and as exempt or non-exempt for all purposes (including for purposes of the Evans Benefit Plans), if applicable, and has made all
              appropriate filings in connection with services provided by, and compensation paid to, such service providers.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149956"></a>During the preceding three
              (3) years, <a name="DocXTextRef122"></a>(i) neither Evans nor any of its Subsidiaries has effectuated a &#8220;plant closing&#8221; (as defined in the federal or applicable state WARN Act) affecting any site of employment or one or more facilities or
              operating units within any site of employment or facility, (ii) there has not occurred a &#8220;mass layoff&#8221; (as defined in the federal or applicable state WARN Act) in connection with Evans or any of its Subsidiaries affecting any site of
              employment or one or more facilities or operating units within any site of employment or facility and (iii) neither Evans nor any of its Subsidiaries been affected by any transaction or engaged in layoffs or employment terminations sufficient
              in number to trigger application of any similar applicable law.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div>
          <div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="text-align: left; font-family: 'Times New Roman';">Section 3.18 &#160; &#160; &#160;&#160; </font><a name="z_Toc24547091"></a><a name="z_Toc256000040"></a><a name="z_Ref25628974"></a><a name="z_Toc118731565"></a><a name="z_Ref173149957"></a><a name="z_Toc176519072"></a><font style="font-family: 'Times New Roman';"><u>Environmental Matters</u></font>.</div>
          </div>
        </div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628975"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef123"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.18</u></font>, each property owned, leased or operated by Evans and its
              Subsidiaries, to Evans&#8217;s Knowledge, are, and have been, in material compliance with all Environmental Laws.&#160; Neither Evans nor any of its Subsidiaries has Knowledge of, nor has Evans or any of its Subsidiaries received notice of, any past,
              present, or future conditions, events, activities, practices or incidents that may interfere with or prevent the material compliance of Evans or Evans Bank with all Environmental Laws.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25628976"></a>Evans and its Subsidiaries
              have obtained all material permits, licenses and authorizations that are required for its operations under all Environmental Laws.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25628977"></a>No Hazardous Substance
              exists on, about or within any of the owned real properties, nor to Evans&#8217;s Knowledge have any Hazardous Substance previously existed on, about or within or been used, generated, stored, transported, disposed of, on or released from any of
              its properties.&#160; The use that Evans or any of its Subsidiaries makes and intends to make of any of its properties shall not result in the use, generation, storage, transportation, accumulation, disposal or release of any Hazardous Substance
              on, in or from any of those properties.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">19</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628978"></a>There is no action, suit,
              proceeding, investigation, or inquiry before any court, administrative agency or other governmental authority pending or, to Evans&#8217;s Knowledge, threatened against Evans or Evans Bank relating in any way to any Environmental Law.&#160; None of
              Evans or any of its Subsidiaries has a liability for remedial action under any Environmental Law.&#160; None of Evans or any of its Subsidiaries has received any request for information by any governmental authority with respect to the condition,
              use or operation of any of its owned real properties or Evans Loan Properties nor has Evans or any of its Subsidiaries received any notice of any kind from any governmental authority or other person with respect to any violation of or claimed
              or potential liability of any kind under any Environmental Law with respect to any of its owned real properties or Evans Loan Properties.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.19</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547092"></a><a name="z_Toc256000041"></a><a name="z_Ref25628979"></a><a name="z_Toc118731566"></a><a name="z_Ref173149958"></a><a name="z_Toc176519073"></a><font style="font-family: 'Times New Roman';"><u>Tax Matters</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628980"></a>Evans and its Subsidiaries
              have filed all income and other material Tax Returns that they were required to file under applicable laws and regulations, other than Tax Returns that are not yet due or for which a request for extension was filed.&#160; All such Tax Returns were
              correct and complete in all material respects and have been prepared in substantial compliance with all applicable laws and regulations.&#160; All Taxes due and owing by Evans <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">and
                its Subsidiaries</font> (whether or not shown on any Tax Return) have been paid other than Taxes that have been reserved or accrued on the balance sheet of Evans or such Subsidiary is contesting in good faith.&#160; Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.19</u></font>, none of Evans or any of its Subsidiaries is the beneficiary of any extension of time within which to file any Tax Return, and neither Evans nor any its
              Subsidiaries currently has any open tax years other than those with respect to which the statute of limitations has not expired.&#160; No claim has ever been made by an authority in a jurisdiction where Evans or any of its Subsidiaries does not
              file material Tax Returns that it is or may be subject to taxation by that jurisdiction.&#160; There are no Liens for Taxes (other than Taxes not yet due and payable) upon any of the assets of Evans or any Subsidiary.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628981"></a>Each of Evans and its
              Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with any amounts paid or owing to any employee, independent contractor, creditor, shareholder, or other third party, and has timely
              complied with all applicable information reporting requirements.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628982"></a>No foreign, federal, state,
              or local tax audits or administrative or judicial Tax proceedings are being conducted or to the Knowledge of Evans are pending with respect to Evans or any of its Subsidiaries.&#160; None of Evans or any of its Subsidiaries has received from any
              foreign, federal, state, or local taxing authority (including jurisdictions where Evans or any Subsidiary has not filed Tax Returns) any <a name="DocXTextRef125"></a>(i)&#160;notice indicating an intent to open an audit or other review,
              (ii)&#160;request for information related to Tax matters, or (iii)&#160; notice of deficiency or proposed adjustment for any amount of Tax proposed, asserted, or assessed by any taxing authority against Evans or any of its Subsidiaries.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628983"></a>Evans has provided NBT with
              true and complete copies of the United States federal, state, local, and foreign income Tax Returns filed with respect to Evans and its Subsidiaries for taxable periods ended December&#160;31, 2022, 2021 and <a name="DocXTextRef126"></a>2020.&#160;
              Evans has delivered to NBT correct and complete copies of all statements of deficiencies assessed against or agreed to by Evans or any of its Subsidiaries filed for the years ended December&#160;31, 2023, 2022, 2021 and <a name="DocXTextRef127"></a>2020.&#160;





              Each of Evans and its Subsidiaries has timely and properly taken such actions in response to and in compliance with notices Evans or any Subsidiary has received from the IRS in respect of information reporting and backup and nonresident
              withholding as are required by law.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628984"></a>None of Evans or any of its
              Subsidiaries has waived any statute of limitations in respect of Taxes or agreed to any extension of time with respect to a Tax assessment or deficiency.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">20</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628985"></a>None of Evans or any of its
              Subsidiaries has been a United States real property holding corporation within the meaning of Code Section&#160;897(c)(2) during the applicable period specified in Code Section&#160;897(c)(1)(A)(ii).&#160; Each of Evans and its Subsidiaries has disclosed on
              its federal income Tax Returns all positions taken therein that could give rise to a substantial understatement of federal income Tax withing the meaning of Code Section 6662.&#160; Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.19(f)</u></font>, none of Evans or any of its Subsidiaries is a party to or bound by any Tax allocation or sharing agreement.&#160; None of Evans or any of its Subsidiaries <a name="DocXTextRef128"></a>(i)&#160;has





              been a member of any consolidated, affiliated or unitary group of corporations for any Tax purposes, or (ii)&#160;has any liability for the Taxes of any individual, bank, corporation, partnership, association, joint stock company, business trust,
              limited liability company, or unincorporated organization (other than Evans or such Subsidiary) under Reg. Section&#160;1.1502-6 (or any similar provision of state, local, or foreign law), as a transferee or successor, by contract, or otherwise.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628986"></a>The unpaid Taxes of Evans
              and its Subsidiaries <a name="DocXTextRef129"></a>(i)&#160;did not, as of the end of the most recent period covered by Evans&#8217;s or any of its Subsidiary&#8217;s call reports filed on or prior to the date hereof, exceed the reserve for Tax liability
              (rather than any reserve for deferred Taxes established to reflect timing differences between book and Tax income) set forth on the face of the financial statements included in Evans&#8217;s or such Subsidiary&#8217;s call reports filed on or prior to
              the date hereof (rather than in any notes thereto), and (ii)&#160;do not exceed that reserve as adjusted for the passage of time through the Closing Date in accordance with the past custom and practice of Evans and its Subsidiaries in filing its
              Tax Returns.&#160; Since the end of the most recent period covered by Evans&#8217;s or its Subsidiaries&#8217; call reports filed prior to the date hereof, none of Evans or any of its Subsidiaries has incurred any liability for Taxes arising from
              extraordinary gains or losses, as that term is used in GAAP, outside the ordinary course of business consistent with past custom and practice.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628987"></a>Neither of Evans nor any of
              its Subsidiaries shall be required to include any material item of income in, or exclude any item of deduction from, taxable income for any taxable period (or portion thereof) ending after the Closing Date as a result of any: <a name="DocXTextRef130"></a>(i)&#160;change in method of accounting for a taxable period ending on or prior to the Closing Date; (ii)&#160;&#8220;closing agreement&#8221; as described in Code Section&#160;7121 (or any corresponding or similar provision of state, local
              or foreign income Tax law) executed on or prior to the Closing Date; (iii)&#160;intercompany transactions or any excess loss account described in Treasury Regulations under Code Section&#160;1502 (or any corresponding or similar provision of state,
              local or foreign income Tax law); (iv)&#160;installment sale or open transaction disposition made on or prior to the Closing Date; or <a name="DocXTextRef131"></a>(v)&#160;prepaid amount received on or prior to the Closing Date.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25628988"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">None of Evans or any of its Subsidiaries has distributed stock of another Person or had its stock distributed by another Person in a transaction that was purported or intended to be governed in whole
                or in part by </font><a name="DocXTextRef132"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section&#160;355 or </font><a name="DocXTextRef133"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section&#160;361





                of the Code</font>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25628989"></a>None of Evans or any of
              its Subsidiaries has participated in a listed transaction within the meaning of Reg. Section 1.6011-4 (or any predecessor provision) and Evans has not been notified of, or to Evans&#8217;s Knowledge has participated in, a transaction that is
              described as a &#8220;reportable transaction&#8221; within the meaning of Reg. Section 1.6011-4(b)(1).</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628990"></a>None of Evans or any of its
              Subsidiaries is subject to any private letter ruling of the IRS or comparable rulings of any Governmental Authority.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25628991"></a>None of Evans or any of
              its Subsidiaries has, or to Evans&#8217;s Knowledge has ever had, a permanent establishment in any country other than the United States, or has not engaged in a trade or business in any country other than the United States that subjected it to tax
              in such country.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">21</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(m)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except as set forth on&#160;<font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.19(m)</u></font>, none of Evans or any of its Subsidiaries has deferred payroll taxes or availed itself of any of the tax deferred credits or benefits pursuant to the CARES Act or otherwise taken
              advantage of any change in applicable legal requirements in connection with the&#160;COVID-19&#160;pandemic that has the result of temporarily reducing (or temporarily delaying the due date of) otherwise applicable payment obligations.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(n)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">(i) Commencing with its initial taxable year commencing
              January 1, 2002, Evans National Holding Corp. (the &#8220;<font style="font-family: 'Times New Roman';"><u>REIT Subsidiary</u></font>&#8221;) has been organized, owned and operated in conformity with the requirements for qualification and taxation as a
              real estate investment trust under the Code (a &#8220;<font style="font-family: 'Times New Roman';"><u>REIT</u></font>&#8221;), (ii) the current and proposed method of operation for the REIT Subsidiary will enable the REIT Subsidiary to meet the
              requirements for qualification and taxation as a REIT under the Code through the Closing, and (iii) the REIT Subsidiary has not received written notice of any challenge by the IRS or any other Governmental Authority regarding the REIT
              Subsidiary&#8217;s qualification to be taxed as a REIT (determined, for the purpose of each of clauses (i) and (ii), (1) as if the REIT Subsidiary&#8217;s taxable year in which the Closing occurs (the &#8220;<font style="font-family: 'Times New Roman';"><u>Close





                  Year</u></font>&#8221;) ended upon the Closing on the Closing Date, (2) without regard to compliance by the REIT Subsidiary with the distribution requirement described in Section 857(a)(1) of the Code for the period from the first date of the
              Close Year through and including the Closing Date, and (3) without regard to NBT&#8217;s purchase of the REIT Subsidiary at the Closing or any action or inaction taken by the REIT Subsidiary, NBT or their Affiliates after the Closing).&#160; Evans has
              not taken, or failed to take, any action that would reasonably be expected to result in the REIT Subsidiary&#8217;s failure to qualify as a REIT.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(o)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The REIT Subsidiary is managed by one or more trustees
              or directors, within the meaning of Section 856(a)(1) of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(p)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">All equity interests in the REIT Subsidiary are
              transferable within the meaning of Section 856(a)(2) of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(q)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The REIT Subsidiary is not a financial institution or
              insurance company within the meaning of Section 856(a)(4) of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(r)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The REIT Subsidiary is not a successor to any entity
              that is subject to the restriction in Section 856(g) of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(s)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Commencing with the REIT Subsidiary&#8217;s second taxable
              year, the REIT Subsidiary has at all times had more than 100 shareholders within the meaning of Section 856(a)(5) of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(t)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The REIT Subsidiary does not have any current or
              accumulated earnings and profits attributable to any &#8220;non-REIT year&#8221; within the meaning of Section 857 of the Code.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(u)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The REIT Subsidiary does not directly or indirectly hold
              any asset the disposition of which would be subject to (or to rules similar to) Section 1374 of the Code (or otherwise result in any &#8220;built-in gains&#8221; Tax under Section 337(d) of the Code and the applicable Treasury Regulations thereunder),
              nor has it disposed of any such asset during its current taxable year.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(v)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><font style="font-family: 'Times New Roman';">&#160;</font><a name="z_Ref173149959"></a><font style="font-family: 'Times New Roman';">The REIT Subsidiary has not (i) incurred any material liability for Taxes under Sections 856(c)(7), 856(g)(5)(C),
                857(b)(1), 857(b)(4), 857(b)(5), 857(b)(6), 857(b)(7), 857(f), 860(c) or 4981 of the Code or Treasury Regulations Sections 1.337(d)-5, 1.337(d)-6, or 1.337(d)-7 or (ii)&#160; engaged in any transaction that would constitute a &#8220;prohibited
                transaction&#8221; within the meaning of Section 857(b)(6) of the Code or any transaction that would give rise to &#8220;redetermined rents,&#8221; &#8220;redetermined deductions&#8221; or &#8220;excess interest&#8221; described in Section 857(b)(7) of the Code.</font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">22</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" 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; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.20</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547093"></a><a name="z_Toc256000042"></a><a name="z_Ref25628992"></a><a name="z_Toc118731567"></a><a name="z_Ref173149960"></a><a name="z_Toc176519074"></a><font style="font-family: 'Times New Roman';"><u>Investment Securities</u></font></font></font>.&#160; <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef134"></a><font style="font-family: 'Times New Roman';"><u>Schedule
              3.20</u></font> sets forth the book and market value, as of June 30, 2024, of the investment securities, mortgage-backed securities and securities held for sale of Evans and its Subsidiaries, as well as, with respect to such securities,
          descriptions thereof, CUSIP numbers, book values, fair values and coupon rates.&#160; Each of Evans and its Subsidiaries has good title to all securities owned by it (except those sold under repurchase agreements or held in any fiduciary or agency
          capacity), free and clear of any Liens, except to the extent such securities are pledged in the ordinary course of business to secure obligations of Evans or any Subsidiary.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.21</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547094"></a><a name="z_Toc256000043"></a><a name="z_Ref25628993"></a><a name="z_Toc118731568"></a><a name="z_Ref173149961"></a><font style="font-family: 'Times New Roman';"><u>Derivative Transactions</u></font></font></font>.&#160;





          All Derivative Transactions entered into by Evans or any of its Subsidiaries were entered into in all material respects in accordance with applicable rules, regulations and policies of any Governmental Authority, and in accordance with the
          investment, securities, commodities, risk management and other policies, practices and procedures employed by Evans and its Subsidiaries, and were entered into with counterparties believed at the time to be financially responsible and able to
          understand (either alone or in consultation with their advisers) and to bear the risks of such Derivative Transactions.&#160; Evans and its Subsidiaries have duly performed all of their obligations under the Derivative Transactions to the extent that
          such obligations to perform have accrued, and, to the <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Knowledge</font> of Evans, there are no material breaches, violations or defaults or allegations or assertions of such by
          any party thereunder.&#160; Evans and its Subsidiaries have adopted policies and procedures consistent with the publications of Governmental Authorities with respect to their derivatives program.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.22</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547095"></a><a name="z_Toc256000044"></a><a name="z_Ref25628994"></a><a name="z_Toc118731569"></a><a name="z_Ref173149962"></a><a name="z_Toc176519076"></a><font style="font-family: 'Times New Roman';"><u>Loans; Nonperforming and Classified Assets</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628995"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.22(a)</u></font>, as of June 30, 2024, none of Evans <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or any of its Subsidiaries</font> is a party to
              any written or oral <a name="DocXTextRef135"></a>(i)&#160;loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &#8220;<font style="font-family: 'Times New Roman';"><u>Loans</u></font>&#8221;), under the terms of which the obligor was, as of June 30, 2024, over sixty (60)&#160;days delinquent in payment of principal or interest or in default of any other material provision,
              or (ii)&#160;Loan with any director, executive officer or five percent or greater shareholder of Evans or any of its Subsidiaries, or to the Knowledge of Evans, any person, corporation or enterprise controlling, controlled by or under common
              control with any of the foregoing.&#160; <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.22(a)</u></font> identifies <a name="DocXTextRef136"></a>(x)&#160;each Loan that as of June 30, 2024 was classified as &#8220;Special
              Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import by Evans or any of its Subsidiaries or any bank examiner, together with the principal
              amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, and <a name="DocXTextRef137"></a>(y)&#160;each asset of Evans that as of June 30, 2024 was classified as other real estate owned (&#8220;<font style="font-family: 'Times New Roman';"><u>OREO</u></font>&#8221;) and the book value thereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628996"></a>Each Loan <a name="DocXTextRef138"></a>(i)&#160;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii)&#160;to the extent secured, has been secured by valid Liens which have been perfected,
              and (iii)&#160;to the Knowledge of Evans, is a legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance and other laws of general
              applicability relating to or affecting creditors&#8217; rights and to general equity principles.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628997"></a>The loan documents with
              respect to each Loan were in material compliance with applicable laws and regulations and Evans&#8217;s or the applicable Subsidiary&#8217;s lending policies at the time of origination of such Loans and are complete and correct in all material respects.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25628998"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.22(d)</u></font>, none of Evans or any of its Subsidiaries is a party to any agreement or arrangement with (or otherwise obligated to) any Person which obligates Evans
              or any of its Subsidiaries to repurchase from any such Person any Loan or other asset of Evans or any of its Subsidiaries.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">23</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.23</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547096"></a><a name="z_Toc256000045"></a><a name="z_Ref25628999"></a><a name="z_Toc118731570"></a><a name="z_Ref173149963"></a><a name="z_Toc176519077"></a><font style="font-family: 'Times New Roman';"><u>Tangible Properties and Assets</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629000"></a><font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.23(a)</u></font> sets forth a true, correct and complete list of all real property owned by Evans or any of its Subsidiaries.&#160; Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.23(a)</u></font>, and except for properties and assets disposed of in the ordinary course of business or as permitted by this Agreement, Evans or the relevant Subsidiary has good title to, valid
              leasehold interests in or otherwise legally enforceable rights to use all of the real property, personal property and other assets (tangible or intangible), used, occupied and operated or held for use by it in connection with its business as
              presently conducted in each case, free and clear of any Lien, except for <a name="DocXTextRef139"></a>(i)&#160;statutory Liens for amounts not yet delinquent, (ii)&#160;Liens incurred in the ordinary course of business or imperfections of title,
              easements and encumbrances, if any, that, individually and in the aggregate, are not material in character, amount or extent, and do not materially detract from the value and do not materially interfere with the present use, occupancy or
              operation of any material asset, and (iii) those described and reflected in the Evans Financial Statements.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629001"></a><font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.23(b)</u></font> sets forth a true, correct and complete schedule of all leases, subleases, licenses and other agreements under which Evans or any of its Subsidiaries uses or occupies or
              has the right to use or occupy, now or in the future, real property (the &#8220;<font style="font-family: 'Times New Roman';"><u>Leases</u></font>&#8221;).&#160; Each of the Leases is valid, binding and in full force and effect and, as of the date hereof,
              neither Evans nor any of its Subsidiaries has received a written notice of, and otherwise has no Knowledge of any, default or termination with respect to any Lease.&#160; There has not occurred any event and, to Evans&#8217;s Knowledge, no condition
              exists that would constitute a termination event or a material breach by Evans or any of its Subsidiaries of, or material default by Evans or any of its Subsidiaries in, the performance of any covenant, agreement or condition contained in any
              Lease, and to Evans&#8217;s Knowledge, no lessor under a Lease is in material breach or default in the performance of any material covenant, agreement or condition contained in such Lease.&#160; Except as set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.23(b)</u></font>, there is no pending or, to Evans&#8217;s Knowledge, threatened proceeding, action or governmental or regulatory investigation of any nature by any Governmental Authority with respect
              to the real property that Evans or any of its Subsidiaries uses or occupies or has the right to use or occupy, now or in the future, including without limitation a pending or threatened taking of any of such real property by eminent domain.&#160;
              Each of Evans and its Subsidiaries has paid all rents and other charges to the extent due under the Leases.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.24</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547097"></a><a name="z_Toc256000046"></a><a name="z_Ref25629002"></a><a name="z_Toc118731571"></a><a name="z_Ref173149964"></a><a name="z_Toc176519078"></a><font style="font-family: 'Times New Roman';"><u>Intellectual Property</u></font></font></font>.&#160; <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef140"></a><font style="font-family: 'Times New Roman';"><u>Schedule
              3.24</u></font> sets forth a true, complete and correct list of all Evans Intellectual Property owned or purported to be owned by Evans.&#160; Evans owns or has a valid license to use all Evans Intellectual Property necessary to the conduct of the
          business of Evans, free and clear of all Liens, royalty or other payment obligations (except for royalties or payments with respect to off-the-shelf Software at standard commercial rates).&#160; Evans Intellectual Property constitutes all of the
          Intellectual Property necessary to carry on the business of Evans and its Subsidiaries as currently conducted.&#160; Evans Intellectual Property owned by Evans or any of its Subsidiaries, and to the Knowledge of Evans, all other Evans Intellectual
          Property, is valid and enforceable and has not been cancelled, forfeited, expired or abandoned, and none of Evans or any of its Subsidiaries has received notice challenging the validity or enforceability of Evans Intellectual Property.&#160; To the
          Knowledge of Evans, the conduct of the business of Evans and its Subsidiaries does not violate, misappropriate or infringe upon the Intellectual Property rights of any third party.&#160; The consummation of the transactions contemplated by this
          Agreement will not result in the loss or impairment of the right of Evans or any of its Subsidiaries to own or use any of the Evans Intellectual Property.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">24</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.25</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547098"></a><a name="z_Toc256000047"></a><a name="z_Ref25629003"></a><a name="z_Toc118731572"></a><a name="z_Ref173149965"></a><a name="z_Toc176519079"></a><font style="font-family: 'Times New Roman';"><u>Fiduciary Accounts</u></font></font></font>.&#160; Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef141"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.25, </u></font>since January 1, 2022, each of Evans and its Subsidiaries has properly administered all accounts for which it is or was a fiduciary, including but not limited to accounts for which it serves or served as a
          trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable laws and regulations. Neither Evans nor any of its Subsidiaries nor any of
          their respective directors, officers or employees, has committed any breach of trust with respect to any&#160;fiduciary account&#160;and the records for each such&#160;fiduciary account&#160;are true and correct and accurately reflect the assets of such&#160;fiduciary
          account.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.26</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547099"></a><a name="z_Toc256000048"></a><a name="z_Ref25629004"></a><a name="z_Toc118731573"></a><a name="z_Ref173149966"></a><a name="z_Toc176519080"></a><font style="font-family: 'Times New Roman';"><u>Insurance</u></font></font></font>.</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629005"></a><font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.26(a)</u></font> identifies all of the material insurance policies, binders, or bonds currently maintained by Evans or any of its Subsidiaries, other than credit-life policies (the &#8220;<font style="font-family: 'Times New Roman';"><u>Insurance Policies</u></font>&#8221;), including the insurer, policy numbers, amount of coverage, effective and termination dates and any pending claims thereunder.&#160; Each of Evans and its Subsidiaries is
              insured, and during each of the past three (3) calendar years has been insured against such risks and in such amounts as the management of Evans reasonably has determined to be prudent in accordance with industry practices and has maintained
              all insurance required by applicable laws and regulations.&#160; All the Insurance Policies are in full force and effect, none of Evans or any of its Subsidiaries is in material default thereunder and all claims thereunder have been filed in due
              and timely fashion.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629006"></a><font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.26(b)</u></font> sets forth a true, correct and complete description of all bank-owned life insurance (&#8220;<font style="font-family: 'Times New Roman';"><u>BOLI</u></font>&#8221;) owned by Evans or
              any of its Subsidiaries, including the value of BOLI as of the end of the most recent month for which a statement is available prior to the date hereof.&#160; The value of such BOLI is fairly and accurately reflected in the Evans Financial
              Statements in accordance with GAAP.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.27</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547100"></a><a name="z_Toc256000049"></a><a name="z_Ref25629007"></a><a name="z_Toc118731574"></a><a name="z_Ref173149967"></a><a name="z_Ref25629458"></a><a name="z_Toc176519081"></a><font style="font-family: 'Times New Roman';"><u>Antitakeover Provisions</u></font></font></font>.&#160; No &#8220;control share acquisition,&#8221; &#8220;business combination moratorium,&#8221; &#8220;fair price&#8221; or other form of antitakeover statute or regulation is applicable
          to this Agreement and the transactions contemplated hereby.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.28</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547101"></a><a name="z_Toc256000050"></a><a name="z_Ref25629008"></a><a name="z_Toc118731575"></a><a name="z_Ref173149968"></a><a name="z_Toc176519082"></a><font style="font-family: 'Times New Roman';"><u>Fairness Opinion</u></font></font></font>.&#160; The Evans Board has received the written opinion of Piper Sandler&#160;&amp; Co. to the effect that, as of the date hereof, the Merger Consideration is fair to the holders of
          Evans Stock from a financial point of view.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 3.29</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547102"></a><a name="z_Toc256000051"></a><a name="z_Ref25629009"></a><a name="z_Toc118731576"></a><a name="z_Ref173149969"></a><a name="z_Toc176519083"></a><font style="font-family: 'Times New Roman';"><u>Proxy Statement/Prospectus</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; As of the date of the Proxy Statement/Prospectus and the date of the meeting of the shareholders of Evans to
            which such Proxy Statement/Prospectus relates, the Proxy Statement/Prospectus will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances
            under which they were made, not misleading, provided that information as of a later date shall be deemed to modify information as of an earlier date, and further provided that no representation and warranty is made with respect to information
            relating to NBT and its Subsidiaries included in the Proxy Statement/Prospectus.</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">25</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 3.30</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547103"></a><a name="z_Toc256000052"></a><a name="z_Ref25629010"></a><a name="z_Toc118731577"></a><a name="z_Ref173149970"></a><a name="z_Toc176519084"></a><font style="font-family: 'Times New Roman';"><u>CRA, Anti-money Laundering and Customer Information Security</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; Neither Evans nor Evans Bank is a party to any agreement with any
            individual or group regarding CRA matters and, except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 3.30</u></font>, neither Evans nor Evans Bank has any Knowledge of, nor has Evans or Evans Bank
            been advised of or has any reason to believe that any facts or circumstances exist, which would cause Evans or Evans Bank: <a name="DocXTextRef144"></a>(a) to be deemed not to be in satisfactory compliance with the CRA, and the regulations
            promulgated thereunder, or to be assigned a rating for CRA purposes by Bank Regulators of lower than &#8220;satisfactory&#8221;; <a name="DocXTextRef145"></a>(b) to be deemed to be operating in violation of the federal Bank Secrecy Act, as amended, and
            its implementing regulations (31 C.F.R. Chapter X), the USA PATRIOT Act, and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets
            Control, or any other applicable anti-money laundering statute, rule or regulation; or <a name="DocXTextRef146"></a>(c) to be deemed not to be in satisfactory compliance with the applicable requirements contained in any federal and state
            privacy or data security laws and regulations, including, without limitation, in Title V of the Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by
            Evans pursuant to <a name="DocXTextRef149"></a>12 C.F.R. Part <a name="DocXTextRef143"></a>208, Subpart <a name="DocXTextRef142"></a>J, <a name="DocXTextRef148"></a>Appendix D.&#160; Furthermore, the Evans Board has adopted, and Evans has
            implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that has not been deemed ineffective by any Governmental Authority and that meets the requirements of <a name="DocXTextRef147"></a>Sections 352 and <a name="DocXTextRef150"></a>326 and all other applicable provisions of the USA PATRIOT Act and the regulations thereunder.&#160; </font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 3.31</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547104"></a><a name="z_Toc256000053"></a><a name="z_Ref25629011"></a><a name="z_Toc118731578"></a><a name="z_Ref173149971"></a><a name="z_Toc176519085"></a><font style="font-family: 'Times New Roman';"><u>Transactions with Affiliates</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; Except as set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure </u></font><a name="DocXTextRef151"></a><font style="font-family: 'Times New Roman';"><u>Schedule 3.31</u></font>, there are no outstanding amounts payable to or receivable from, or advances by Evans or any of its Subsidiaries to, and neither Evans nor any
            of its Subsidiaries is otherwise a creditor or debtor to, any shareholder owning five percent (5%) or more of the outstanding Evans Stock, director, employee or Affiliate of Evans or any of its Subsidiaries, other than as part of the normal and
            customary terms of such persons&#8217; employment or service as a director with Evans or any of its Subsidiaries or other than in the ordinary course of Evans Bank&#8217;s business.&#160; All transactions, agreements and relationships between Evans and any
            Subsidiary and any Affiliates, shareholders, directors or officers of Evans and any Subsidiary comply, to the extent applicable, with Regulation W and Regulation O of the FRB.</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;">&#160;</div>
        <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">ARTICLE IV</font></div>
        <div style="text-align: center;"><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-weight: bold;"><font style="font-family: 'Times New Roman';"><br>
              </font><a name="z_Ref530085807"></a><a name="z_Ref530085912"></a><a name="z_Ref530086197"></a><a name="z_Toc24547106"></a><a name="z_Toc256000055"></a><a name="z_Toc118731580"></a><a name="z_Ref173149973"></a><a name="z_Ref530085782"></a><a name="z_Ref174976879"></a><a name="z_Toc176519086"></a>REPRESENTATIONS AND WARRANTIES OF NBT AND NBT BANK</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><a name="z_Hlk113225373"></a><a name="z_Hlk108634687"></a>As a material inducement to Evans to enter into this Agreement and to
          consummate the transactions contemplated hereby, NBT and NBT Bank hereby make to Evans and Evans Bank the representations and warranties contained in this Article IV, <font style="font-family: 'Times New Roman'; font-style: italic;">provided,
            however</font>, that NBT shall not be deemed to have breached a representation or warranty as a consequence of the existence of any fact, event or circumstance unless such fact, circumstance or event, individually or taken together with all
          other facts, events or circumstances inconsistent with any representation or warranty contained in this Article IV, has had or is reasonably likely to have, a Material Adverse Effect (disregarding for purposes of this proviso any materiality or
          Material Adverse Effect qualification or exception contained in any representation or warranty). Notwithstanding the immediately preceding sentence, the representations and warranties contained in (x) <font style="font-family: 'Times New Roman';"><u>Section 4.04</u></font> shall be deemed untrue and incorrect if not true and correct except to a de minimis extent, (y) Section <u>4.02</u>, <u>4.05</u>, <u>4.06</u>, <u>4.07</u>, <u>4.13(a)</u>, <u>4.14</u>, and <u><font style="color: rgb(0, 0, 0);">4.21</font></u> shall be deemed untrue and incorrect if not true and correct in all material respects and (z) <font style="font-family: 'Times New Roman';"><u>Section 4.09</u></font> shall be deemed untrue and
          incorrect if not true and correct in all respects.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.01</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547107"></a><a name="z_Toc256000056"></a><a name="z_Ref25629013"></a><a name="z_Toc118731581"></a><a name="z_Ref173149974"></a><a name="z_Toc176519087"></a><font style="font-family: 'Times New Roman';"><u>Making of Representations and Warranties</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; Except as set forth in the NBT Disclosure Schedule and the NBT SEC Documents, and subject to
            the preceding introductory paragraph of this Article IV, NBT hereby represents and warrants to Evans that the statements contained in this Article IV are correct as of the date of this Agreement and will be correct as of the Closing Date,
            except as to any representation or warranty which specifically relates to an earlier date, which only need be correct as of such earlier date.</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.02</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547108"></a><a name="z_Toc256000057"></a><a name="z_Ref25629014"></a><a name="z_Toc118731582"></a><a name="z_Ref173149975"></a><a name="z_Ref25830747"></a><a name="z_Toc176519088"></a><font style="font-family: 'Times New Roman';"><u>Organization, Standing and Authority of NBT</u></font></font></font><font style="color: rgb(0, 0, 0);">. NBT is a Delaware corporation duly organized, validly
            existing and in good standing under the laws of the State of Delaware and is duly registered as a financial holding company under the BHC Act.&#160; NBT is duly licensed or qualified to do business in the States of the United States and foreign
            jurisdictions where its ownership or leasing of property or the conduct of its business requires such qualification except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on NBT.&#160;
            The Restated Certificate of Incorporation, as amended, and Amended and Restated Bylaws of NBT, copies of which have been made available to Evans, are true, complete and correct copies of such documents as in full force and effect as of the date
            of this Agreement.</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">26</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" 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; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.03</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547109"></a><a name="z_Toc256000058"></a><a name="z_Ref25629015"></a><a name="z_Toc118731583"></a><a name="z_Ref173149976"></a><a name="z_Toc176519089"></a><font style="font-family: 'Times New Roman';"><u>Organization, Standing and Authority of NBT Bank</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; NBT Bank is a federally-chartered national bank duly organized, validly existing and
            in good standing under the laws of the United States.&#160; NBT Bank&#8217;s deposits are insured by the FDIC in the manner and to the fullest extent provided by applicable law, and all premiums and assessments required to be paid in connection therewith
            have been paid by NBT Bank when due. NBT Bank&#8217;s primary federal bank regulator is the OCC. NBT Bank is a member in good standing of the FHLBNY and, as of June 30, 2024, owns the requisite amount of stock of the FHLBNY as set forth on&#160;<font style="font-family: 'Times New Roman';"><u>NBT Disclosure&#160;</u></font><a name="DocXTextRef152"></a><font style="font-family: 'Times New Roman';"><u>Schedule 4.03</u></font>.&#160; The Amended and Restated Articles of Association and Second Amended
            and Restated Bylaws of NBT Bank, copies of which have been made available to Evans, are true, complete and correct copies of such documents as in full force and effect as of the date of this Agreement.</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.04</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547110"></a><a name="z_Toc256000059"></a><a name="z_Toc118731584"></a><a name="z_Ref173149977"></a><a name="z_Ref25629016"></a><a name="z_Toc176519090"></a><font style="font-family: 'Times New Roman';"><u>NBT Capital Stock</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; The authorized capital stock of NBT consists of 100,000,000 shares of NBT Stock, of which 53,974,492 shares are
            issued and 47,172,584 shares are outstanding as of the date hereof, and <a name="DocXTextRef153"></a>2,500,000 shares of preferred stock, par value $0.01 per share, of which no shares are outstanding as of the date hereof.&#160; As of the date
            hereof, 6,801,908 shares of NBT Stock are held in treasury by NBT.&#160; The outstanding shares of NBT Stock have been duly authorized and validly issued and are fully paid and non-assessable.&#160; Except for the NBT Stock to be issued pursuant to this
            Agreement and outstanding equity awards issued under any NBT Benefit Plan, NBT does not have any Rights issued or outstanding with respect to NBT Stock and NBT does not have any commitments to authorize, issue or sell any NBT Stock or Rights.</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.05</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547111"></a><a name="z_Toc256000060"></a><a name="z_Toc118731585"></a><a name="z_Ref173149978"></a><a name="z_Ref25629017"></a><a name="z_Toc176519091"></a><font style="font-family: 'Times New Roman';"><u>Subsidiaries</u></font></font></font><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman';">.&#160; Except as set forth on <font style="font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef154"></a><font style="font-family: 'Times New Roman';"><u>Schedule 4.05</u></font>, NBT does not, directly or indirectly, own or control any Affiliate.&#160; Except as disclosed on <font style="font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef155"></a><font style="font-family: 'Times New Roman';"><u>Schedule 4.05</u></font>, NBT does not have any equity interest, direct or indirect, in any other bank or corporation or in any partnership, joint venture or other business enterprise or entity,
              except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a fiduciary capacity, and the business carried on by NBT has not been conducted through any other direct or indirect Subsidiary or
              Affiliate of NBT.&#160; No such equity investment identified in <font style="font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef156"></a><font style="font-family: 'Times New Roman';"><u>Schedule 4.05</u></font> is
              prohibited by the applicable federal or state laws and regulations.&#160; All of the issued and outstanding shares of NBT Bank Stock have been duly authorized and validly issued, are fully paid and non-assessable, are owned by NBT free and clear
              of all Liens (except as provided under 12 U.S.C. &#167; 55 or any comparable provision of applicable state law) and were not issued in violation of any preemptive rights. NBT Bank does not have any Rights issued or outstanding with respect to NBT
              Bank Stock and NBT Bank does not have any commitment to authorize, issue or sell any capital stock of NBT Bank Stock or Rights thereto.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.06</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547112"></a><a name="z_Toc256000061"></a><a name="z_Toc118731586"></a><a name="z_Ref173149979"></a><a name="z_Ref25629018"></a><a name="z_Toc176519092"></a><font style="font-family: 'Times New Roman';"><u>Corporate Power; Minute Books</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; Each of NBT and NBT Bank has the corporate or other power and authority to carry on its business as it is
            now being conducted and to own all its properties and assets; and each of NBT and NBT Bank has the corporate or other power and authority to execute, deliver and perform its obligations under this Agreement and to consummate the transactions
            contemplated hereby, subject to receipt of all necessary approvals of Governmental Authorities.&#160; The minute books of NBT contain true, complete and accurate records, in all material respects, of all meetings and other corporate actions held or
            taken by shareholders of NBT and the NBT Board (including committees of the NBT Board). The minute books of NBT Bank contain true, complete and accurate records, in all material respects, of all meetings and other corporate actions held or
            taken by shareholders of NBT Bank and the NBT Bank Board (including committees of the NBT Bank Board).</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">27</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
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        </div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.07</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547113"></a><a name="z_Toc256000062"></a><a name="z_Toc118731587"></a><a name="z_Ref173149980"></a><a name="z_Ref25629019"></a><a name="z_Toc176519093"></a><font style="font-family: 'Times New Roman';"><u>Execution and Delivery</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; This Agreement and the transactions contemplated hereby have been authorized by all necessary corporate action
            of NBT and NBT Bank and each of their respective Boards of Directors on or prior to the date hereof.&#160; No vote of the shareholders of NBT is required by law, the Restated Certificate of Incorporation, as amended, and Amended and Restated Bylaws
            of NBT or otherwise to approve this Agreement, or issue shares of NBT and the transactions contemplated hereby. Each of NBT and NBT Bank has duly executed and delivered this Agreement and, assuming due authorization, execution and delivery by
            Evans and Evans Bank, this Agreement is a valid and legally binding obligation of each of NBT and NBT Bank, enforceable in accordance with its terms (except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization,
            moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.08</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref530083432"></a><a name="z_Toc24547114"></a><a name="z_Toc256000063"></a><a name="z_Toc118731588"></a><a name="z_Toc176519094"></a><font style="font-family: 'Times New Roman';"><u>Regulatory Approvals; No Defaults</u></font></font></font><font style="color: rgb(0, 0, 0);">.</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149981"></a><a name="z_Ref25629020"></a><a name="z_Hlk113229456"></a>No consents or approvals of, or waivers by, or filings or registrations with, any Governmental Authority or with any third party are required to be made or obtained by NBT or any of its Subsidiaries in connection
              with the execution, delivery or performance by NBT or NBT Bank of this Agreement or to consummate the transactions contemplated hereby, except for filings of applications, notices or waiver requests, and consents, approvals or waivers
              described in <u>Section 4.08(b)</u>.&#160; As of the date hereof, NBT has no Knowledge of any reason why the approvals set forth above and referred to in <font style="font-family: 'Times New Roman';"><u>Section 6.01(a)</u></font> will not be
              received in a timely manner.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref172975386"></a>Subject to the receipt of
              all consents, approvals, waivers or non-objections of a Governmental Authority required to consummate the transactions contemplated by this Agreement, including, without limitation, <a name="DocXTextRef157"></a>(1) approvals, waivers or
              non-objections of each of the FRB and the OCC, as required (&#8220;<font style="font-family: 'Times New Roman';"><u>Regulatory Approvals</u></font>&#8221;), <a name="DocXTextRef158"></a>(2) the required filings under federal and state securities laws, <a name="DocXTextRef159"></a>(3) <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">the declaration of effectiveness of the Merger Registration Statement by the SEC, and (4) approval of the listing of </font>NBT <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Stock to be issued in connection with the Merger on NASDAQ, </font>the execution, delivery and performance of this Agreement and the consummation of the transactions contemplated
              hereby (including, without limitation, the Merger) by NBT and NBT Bank do not and will not <a name="DocXTextRef160"></a>(i) constitute a breach or violation of, or a default under, result in a right of termination, or the acceleration of any
              right or obligation under, any law, rule or regulation or any judgment, decree, order, permit, license, credit agreement, indenture, loan, note, bond, mortgage, reciprocal easement agreement, lease, instrument, concession, franchise or other
              agreement of NBT or of any of its Subsidiaries or to which NBT or any of its Subsidiaries, properties or assets is subject or bound, (ii) constitute a breach or violation of, or a default under, the Restated Certificate of Incorporation, as
              amended, and Amended and Restated Bylaws of NBT or other organizational documents of NBT or NBT Bank, or (iii) require the consent or approval of any third party or Governmental Authority under any such law, rule, regulation, judgment,
              decree, order, permit, license, credit agreement, indenture, loan, note, bond, mortgage, reciprocal easement agreement, lease, instrument, concession, franchise or other agreement, except, in the case of clauses (i) and (iii), for such
              violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on NBT or NBT Bank.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629021"></a>As of the date of this
              Agreement, NBT has no Knowledge of any reasons relating to NBT or NBT Bank (including, without limitation, compliance with the CRA or the USA PATRIOT Act) why any of the Regulatory Approvals shall not be received from the applicable
              Governmental Authorities having jurisdiction over the transactions contemplated by this Agreement.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.09</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547115"></a><a name="z_Toc256000064"></a><a name="z_Toc118731589"></a><a name="z_Ref173149982"></a><a name="z_Ref25629022"></a><a name="z_Toc176519095"></a><font style="font-family: 'Times New Roman';"><u>Absence of Certain Changes or Events</u></font></font></font>.&#160; Since December 31, 2023, there has been no change or development or combination of changes or developments which, individually or in the aggregate, has
          had or is reasonably likely to have a Material Adverse Effect on NBT and its Subsidiaries taken as a whole.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">28</font></div>
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        </div>
        <div style="color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.10</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547116"></a><a name="z_Toc256000065"></a><a name="z_Ref25629023"></a><a name="z_Toc118731590"></a><a name="z_Ref173149983"></a><a name="z_Toc176519096"></a><font style="font-family: 'Times New Roman';"><u>SEC Documents; Financial Statements; and Financial
                  Controls and Procedures</u></font>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div>
          <div>
            <div style="text-align: left; font-family: 'Times New Roman'; text-indent: 36pt;"><font style="text-align: left; font-family: 'Times New Roman';">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><a name="z_Ref173149984"></a><a name="z_Hlk113232171"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">NBT&#8217;s Annual Report on Form </font><a name="DocXTextRef165"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">10-K, as amended through the date of this
                Agreement, for the fiscal year ended December&#160;31, 2023 (the &#8220;<u>NBT 2023 Form </u></font><a name="DocXTextRef166"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><u>10-K</u>&#8221;), and all other reports, registration
                statements, definitive proxy statements or information statements required to be filed or furnished by NBT or any of its Subsidiaries subsequent to January&#160;1, 2024, under the Securities Act, or under </font><a name="DocXTextRef171"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Sections 13(a), </font><a name="DocXTextRef163"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">13(c), </font><a name="DocXTextRef168"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">14 and </font><a name="DocXTextRef164"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">15(d) of the Exchange Act (collectively, the &#8220;<u>NBT SEC Documents</u>&#8221;),





                with the SEC, and all of the NBT SEC Documents filed with the SEC after the date of this Agreement, in the form filed or to be filed, </font><a name="DocXTextRef170"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(i)&#160;complied





                or will comply as to form in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii)&#160;did not and will not contain any untrue statement of a material fact or omit to
                state a material fact required to be stated therein or necessary to make the statements made therein, in light of the circumstances under which they were made, not misleading; and each of the balance sheets contained in or incorporated by
                reference into any such NBT SEC Document (including the related notes and </font><a name="DocXTextRef161"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">schedules thereto) fairly presents and will fairly present the
                financial position of the entity or entities to which such balance sheet relates as of its date, and each of the statements of income and changes in stockholders&#8217; equity and cash flows or equivalent statements in such NBT SEC Documents
                (including any related notes and </font><a name="DocXTextRef162"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">schedules thereto) fairly presents and will fairly present the results of operations, changes in
                stockholders&#8217; equity and changes in cash flows, as the case may be, of the entity or entities to which such statement relates for the periods to which it relates, in each case in accordance with GAAP consistently applied during the periods
                involved, except in each case as may be noted therein, subject to normal&#160;year-end&#160;audit adjustments in the case of unaudited financial statements. Except for those liabilities that are fully reflected or reserved against in the most recent
                audited consolidated balance sheet of NBT and its Subsidiaries contained in the NBT 2023 Form </font><a name="DocXTextRef169"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">10-K and, except for liabilities reflected
                in NBT SEC Documents filed prior to the date of this Agreement or incurred in the ordinary course of business consistent with past practices or in connection with this Agreement, since December&#160;31, 2023, neither NBT nor any of its
                Subsidiaries has any liabilities or obligations of any nature (whether accrued, absolute, contingent or otherwise) required by GAAP to be set forth on its consolidated balance sheet or in the notes thereto. The books and records of NBT have
                been, and are being, maintained in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. KPMG LLP has not resigned or been dismissed as independent public accountants of NBT as
                a result of or in connection with any disagreements with NBT on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure</font>.</div>
            <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman';"> <br>
            </div>
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149985"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">NBT and each of its Subsidiaries, officers and directors are in compliance with, and have complied in all material respects, with </font><a name="DocXTextRef173"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(1)&#160;the applicable provisions of Sarbanes-Oxley and the related rules and regulations promulgated under such act and the Exchange Act, and (2)&#160;the applicable listing and corporate governance rules and
                regulations of NASDAQ.&#160; NBT </font><a name="DocXTextRef174"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(i)&#160;has established and maintained disclosure controls and procedures and internal control over financial
                reporting (as such terms are defined in paragraphs </font><a name="DocXTextRef172"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(e)&#160;and </font><a name="DocXTextRef175"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(f), respectively, of Rule&#160;13a-15&#160;under the Exchange Act) as required by Rule&#160;13a-15&#160;under the Exchange Act, and (ii)&#160;has disclosed based on its most recent evaluations, to its outside auditors and the audit
                committee of the NBT Board </font><a name="DocXTextRef176"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(A)&#160;all significant deficiencies and material weaknesses in the design or operation of internal control over
                financial reporting (as defined in Rule&#160;13a-15(f)&#160;of the Exchange Act) which are reasonably likely to adversely affect NBT&#8217;s ability to record, process, summarize and report financial data and, </font><a name="DocXTextRef177"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(B)&#160;any fraud, whether or not material, that involves management or other employees who have a significant role in NBT&#8217;s internal control over financial reporting</font>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">29</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" 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; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.11</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547117"></a><a name="z_Toc256000066"></a><a name="z_Ref25629027"></a><a name="z_Toc118731591"></a><a name="z_Ref173149986"></a><a name="z_Toc176519097"></a><font style="font-family: 'Times New Roman';"><u>Regulatory Matters</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629028"></a><a name="z_Ref173149987"></a>Each





              of NBT and NBT Bank has timely filed all reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since January 1, 2022 with any Governmental Authority and has
              paid all fees and assessments due and payable in connection therewith.&#160; Except for normal examinations conducted by any Governmental Authority in the regular course of the business of NBT and/or NBT Bank, no Governmental Authority has
              initiated any proceeding, or to the Knowledge of NBT, investigation into the business or operations of NBT and/or NBT Bank, since January 1, 2022.&#160; There is no unresolved violation or matter requiring attention by any Governmental Authority
              with respect to any report or statement relating to any examinations of NBT Bank. Each of NBT and NBT Bank is &#8220;well-capitalized&#8221; as defined in applicable laws and regulations, and NBT Bank has a Community Reinvestment Act rating of
              &#8220;satisfactory&#8221; or better.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149988"></a><a name="z_Ref25629030"></a>Since





              January 1, 2022, NBT has timely filed with the SEC and NASDAQ all documents required by the Securities Act and the Exchange Act and such documents, as the same may have been amended, complied, at the time filed with the SEC, in all material
              respects with the Securities Act and the Exchange Act.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149989"></a>Neither NBT, NBT Bank nor
              any of their respective properties is a party to or is subject to any Regulatory Order from any Governmental Authority charged with the supervision or regulation of financial institutions or issuers of securities or institutions engaged in
              the insurance of deposits (including, without limitation, the OCC and the FRB) or the supervision or regulation of it.&#160; Neither NBT nor NBT Bank has been advised by, or has any Knowledge of facts which could give rise to an advisory notice
              by, any Governmental Authority that such Governmental Authority is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting) any Regulatory Order.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149990"></a>Without limiting the
              generality of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <a name="DocXTextRef179"></a><font style="font-family: 'Times New Roman';"><u>Section 4.11</u></font> is subject to
              the limitations of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.12</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547118"></a><a name="z_Toc256000067"></a><a name="z_Ref25629031"></a><a name="z_Toc118731592"></a><a name="z_Ref173149991"></a><a name="z_Toc176519098"></a><font style="font-family: 'Times New Roman';"><u>Legal Proceedings</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629032"></a>Other than as set forth in <font style="font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef183"></a><font style="font-family: 'Times New Roman';"><u>Schedule 4.12</u></font>, <a name="DocXTextRef182"></a>(i) there are no pending or, to the
              Knowledge of NBT, threatened legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against NBT and (ii) to NBT&#8217;s Knowledge, there are no facts which would reasonably be expected to
              give rise to such litigation, claim, suit, investigation or other proceeding.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629033"></a>Neither NBT nor NBT Bank is
              a party to any, nor are there any pending or, to NBT&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against NBT or NBT Bank in which, to the
              Knowledge of NBT, there is a reasonable probability of any material recovery against or other Material Adverse Effect on NBT or any of its Subsidiaries or which challenges the validity or propriety of the transactions contemplated by this
              Agreement.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629034"></a>There is no injunction,
              order, judgment or decree imposed upon NBT or any of its Subsidiaries, nor on any of the assets of NBT or any of its Subsidiaries, and, to NBT&#8217;s Knowledge, no such action has been threatened against NBT of any of its Subsidiaries.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149992"></a>Neither NBT nor NBT Bank
              has been advised by a Governmental Authority that it will issue, or has Knowledge of any facts which would reasonably be expected to give rise to the issuance by any Governmental Authority or has Knowledge that such Governmental Authority is
              contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting), any such order, decree, agreement, board resolution, memorandum of understanding, supervisory letter, commitment letter, condition or
              similar submission.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">30</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149993"></a>Without limiting the
              generality of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-family: 'Times New Roman';"><u>Section 4.12</u></font> is subject to the limitations of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.13</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547119"></a><a name="z_Toc256000068"></a><a name="z_Ref25629035"></a><a name="z_Toc118731593"></a><a name="z_Ref173149994"></a><a name="z_Toc176519099"></a><font style="font-family: 'Times New Roman';"><u>Compliance With Laws</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629036"></a>Each of NBT and its
              Subsidiaries is in compliance in all material respects with all applicable federal, state, local and foreign statutes, laws, regulations, ordinances, rules, judgments, orders or decrees applicable thereto or to the employees conducting such
              businesses, including, without limitation, the Investment Company Act of 1940, as amended, the Equal Credit Opportunity Act, as amended, the Fair Housing Act, as amended, the Community Reinvestment Act, the Home Mortgage Disclosure Act, the
              Bank Secrecy Act of 1970, as amended, the USA PATRIOT Act, and all other applicable fair lending and fair housing laws or other laws relating to discrimination;</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629037"></a>Each of NBT and its
              Subsidiaries has all permits, licenses, authorizations, orders and approvals of, and has made all filings, applications and registrations with, all Governmental Authorities that are required in order to permit it to own or lease its
              properties and to conduct its business as presently conducted except where the failure to hold such permits, licensees, authorizations, orders or approvals, or the failure to make such filings, applications or registrations would not,
              individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on NBT and its Subsidiaries; all such permits, licenses, certificates of authority, orders and approvals are in full force and effect and, to NBT&#8217;s
              Knowledge, no suspension or cancellation of any of them is threatened; and</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629038"></a>Neither NBT nor its
              Subsidiaries has received, since January&#160;1, 2022, notification or communication from any Governmental Authority <a name="DocXTextRef187"></a>(i)&#160;asserting that it is not in material compliance with any of the statutes, regulations or
              ordinances which such Governmental Authority enforces, or (ii)&#160;threatening to revoke any license, franchise, permit or governmental authorization (nor, to NBT&#8217;s Knowledge, do any grounds for any of the foregoing exist).</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629039"></a>Since January 1, 2022, NBT
              has conducted any finance activities (including, without limitation, mortgage banking and mortgage lending activities and consumer finance activities) in all material respects in compliance with all applicable statutes and regulations
              regulating the business of consumer lending, including, without limitation, the Finance Laws, and with all applicable origination, servicing and collection practices with respect to any loan or credit extension by such entity.&#160; In addition,
              there is no pending or, to the Knowledge of NBT, threatened charge by any Governmental Authority that NBT has violated, nor any pending or, to NBT&#8217;s Knowledge, threatened investigation by any Governmental Authority with respect to possible
              violations of, any applicable Finance Laws.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref173149995"></a>Without limiting the
              generality of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-family: 'Times New Roman';"><u>Section 4.13</u></font> is subject to the limitations of <font style="font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.14</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547120"></a><a name="z_Toc256000069"></a><a name="z_Toc118731594"></a><a name="z_Ref173149996"></a><a name="z_Ref25629040"></a><a name="z_Toc176519100"></a><font style="font-family: 'Times New Roman';"><u>Brokers</u></font></font></font>.&#160; Neither NBT nor any of its Subsidiaries nor any of their respective officers or directors has employed any broker or finder or incurred any liability for any broker&#8217;s fees,
          commissions or finder&#8217;s fees in connection with any of the transactions contemplated by this Agreement, except that NBT has engaged, and will pay a financial analysis fee to, Stephens, Inc.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">31</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.15</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629041"></a><a name="z_Toc118731595"></a><a name="z_Toc176519101"></a><a name="z_Toc24547121"></a><a name="z_Toc256000070"></a><font style="font-family: 'Times New Roman';"><u>Employee Benefit Plans.</u></font></font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629042"></a><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">All benefit and compensation plans, contracts, policies or arrangements maintained, sponsored or contributed to by NBT or any of its Subsidiaries covering current or former employees of NBT or any of
                its Subsidiaries and current or former directors of NBT or any of its Subsidiaries (collectively, the &#8220;<u>NBT Benefit Plans</u>&#8221;) are in compliance with all applicable laws, including ERISA and the Code, in all material respects</font>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629043"></a>Each NBT Benefit Plan which
              is an &#8220;employee pension benefit plan&#8221; within the meaning of Section&#160;3(2) of ERISA (a &#8220;<font style="font-family: 'Times New Roman';"><u>NBT Pension Plan</u></font>&#8221;) and which is intended to be qualified under <a name="DocXTextRef191"></a>Section&#160;401(a)





              of the Code, has received a favorable determination (or, if applicable, opinion or advisory) letter from the IRS, and to the Knowledge of NBT, there are no circumstances likely to result in revocation of any such favorable determination (or,
              if applicable, opinion or advisory) letter or the loss of the qualification of such NBT Pension Plan under <a name="DocXTextRef192"></a>Section&#160;401(a) of the Code.&#160; Other than as set forth in <font style="font-family: 'Times New Roman';"><u>NBT





                  Disclosure Schedule 4.15(b)</u></font>, there is no pending or, to NBT&#8217;s Knowledge, threatened claim, action, suit, litigation, proceeding, arbitration, mediation, investigation or audit relating to the NBT Benefit Plans (other than
              routine claims for benefits in the normal course).&#160; NBT has not engaged in a transaction with respect to any NBT Benefit Plan or NBT Pension Plan that, assuming the taxable period of such transaction expired as of the date hereof, could
              subject NBT to a material tax or penalty imposed by either Section&#160;4975 of the Code or <a name="DocXTextRef193"></a>Section&#160;502(i) of ERISA.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629044"></a>Neither NBT nor any entity
              which is considered to be one employer with NBT under Section 4001 of ERISA or <a name="DocXTextRef194"></a>Section 414 of the Code maintains, sponsors, participates in or contributes to (or has any obligation to contribute to), or has ever
              maintained, sponsored, participated in or contributed to (or had any obligation to contribute to), or has or is reasonably expected to have any direct or indirect liability with respect to any plan subject to Title IV of ERISA, including any
              &#8220;multiemployer plan,&#8221; as defined in Section 3(37) of ERISA.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.16</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25629047"></a><a name="z_Toc118731596"></a><a name="z_Toc176519102"></a><font style="font-family: 'Times New Roman';"><u>Labor Matters</u></font></font></font>.&#160; None of NBT or any of its
          Subsidiaries is a party to or bound by any collective bargaining agreement, contract or other agreement or understanding with a labor union or labor organization, nor is NBT or any of its Subsidiaries the subject of a proceeding asserting that it
          has committed an unfair labor practice (within the meaning of the National Labor Relations Act, as amended) or seeking to compel NBT or any of its Subsidiaries to bargain with any labor organization as to wages or conditions of employment, nor is
          there any strike or other labor dispute involving it pending or, to NBT&#8217;s Knowledge, threatened, nor is NBT or any of its Subsidiaries aware of any activity involving its employees seeking to certify a collective bargaining unit or engaging in
          other organizational activity.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.17</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25629053"></a><a name="z_Toc118731597"></a><a name="z_Toc176519103"></a><font style="font-family: 'Times New Roman';"><u>Tax Matters</u></font></font></font>.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629054"></a>NBT and its Subsidiaries
              have filed all income and other material Tax Returns that it was required to file under applicable laws and regulations, other than Tax Returns that are not yet due or for which a request for extension was filed.&#160; All such Tax Returns were
              correct and complete in all material respects and have been prepared in substantial compliance with all applicable laws and regulations.&#160; All Taxes due and owing by NBT (whether or not shown on any Tax Return) have been paid other than Taxes
              that have been reserved or accrued on the balance sheet of NBT and which NBT is contesting in good faith.&#160; NBT is not the beneficiary of any extension of time within which to file any Tax Return, and neither NBT nor any of its Subsidiaries
              currently has any open tax years other than those with respect to which the statute of limitations has not expired.&#160; No claim has ever been made by an authority in a jurisdiction where NBT does not file Tax Returns that it is or may be
              subject to taxation by that jurisdiction.&#160; There are no Liens for Taxes (other than Taxes not yet due and payable) upon any of the assets of NBT.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">32</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629055"></a>Each of NBT and its
              Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with any amounts paid or owing to any employee, independent contractor, creditor, shareholder, or other third party, and has timely
              complied with all applicable information reporting requirements under Part <a name="DocXTextRef195"></a>III, Subchapter A of Chapter 61 of the Code and similar applicable state and local information reporting requirements.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629056"></a>No foreign, federal, state,
              or local tax audits or administrative or judicial Tax proceedings are being conducted or to the Knowledge of NBT are pending with respect to NBT.&#160; NBT has not received from any foreign, federal, state, or local taxing authority (including
              jurisdictions where NBT has not filed Tax Returns) any <a name="DocXTextRef196"></a>(i)&#160;notice indicating an intent to open an audit or other review, (ii)&#160;request for information related to Tax matters, or (iii)&#160;notice of deficiency or
              proposed adjustment for any amount of Tax proposed, asserted, or assessed by any taxing authority against NBT.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.18&#160;</font><font style="font-size: 10pt;"> &#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25629058"></a><a name="z_Toc118731598"></a><a name="z_Toc176519104"></a><a name="z_Toc24547122"></a><a name="z_Toc256000071"></a><font style="font-family: 'Times New Roman';"><u>Loans; Nonperforming Assets</u></font>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629059"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>NBT Disclosure Schedule 4.18(a)</u></font>, as of June 30, 2024, none of NBT <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or any of its Subsidiaries</font> is a party to any
              written or oral <a name="DocXTextRef197"></a>(i)&#160;Loan under the terms of which the obligor was, as of June 30, 2024, over sixty (60)&#160;days delinquent in payment of principal or interest or in default of any other material provision, or
              (ii)&#160;Loan with any director, executive officer or five percent or greater shareholder of NBT or any of its Subsidiaries, or to the Knowledge of NBT, any person, corporation or enterprise controlling, controlled by or under common control with
              any of the foregoing.&#160; <font style="font-family: 'Times New Roman';"><u>NBT Disclosure Schedule 4.18(a)</u></font> identifies <a name="DocXTextRef198"></a>(x)&#160;each Loan that as of June 30, 2024 was classified as &#8220;Special Mention,&#8221;
              &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import by NBT or any of its Subsidiaries or any bank examiner, together with the principal amount of and
              accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, and <a name="DocXTextRef199"></a>(y)&#160;each asset of NBT that as of June 30, 2024 was classified as OREO and the book value thereof.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629060"></a>Each Loan <a name="DocXTextRef200"></a>(i)&#160;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii)&#160;to the extent secured, has been secured by valid Liens which have been perfected and
              (iii)&#160;to the Knowledge of NBT, is a legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance and other laws of general applicability
              relating to or affecting creditors&#8217; rights and to general equity principles.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629061"></a>The loan documents with
              respect to each Loan were in material compliance with applicable laws and regulations and NBT&#8217;s or the applicable Subsidiary&#8217;s lending policies at the time of origination of such Loans and are complete and correct in all material respects.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.19</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25629062"></a><a name="z_Toc118731599"></a><a name="z_Toc176519105"></a><font style="font-family: 'Times New Roman';"><u>Deposit Insurance</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; The deposits of NBT Bank are insured by the FDIC in accordance with the Federal Deposit Insurance Act to the fullest extent permitted by law, and NBT Bank has paid all premiums and assessments and filed all
            reports required by the Federal Deposit Insurance Act.&#160; No proceedings for the revocation or termination of such deposit insurance are pending or, to the Knowledge of NBT, threatened.</font></div>
        <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Section 4.20</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547123"></a><a name="z_Toc256000072"></a><a name="z_Ref25629063"></a><a name="z_Toc118731600"></a><a name="z_Ref173149997"></a><a name="z_Toc176519106"></a><font style="font-family: 'Times New Roman';"><u>NBT Stock</u></font></font></font><font style="color: rgb(0, 0, 0);">.&#160; The shares of NBT Stock to be issued pursuant to this Agreement, when issued in accordance with the terms of this Agreement,
            will be duly authorized, validly issued, fully paid and non-assessable and subject to no preemptive rights.</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">33</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" 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; color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.21</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25629064"></a><a name="z_Toc118731601"></a><a name="z_Toc176519107"></a><a name="z_Toc24547124"></a><a name="z_Toc256000073"></a><font style="font-family: 'Times New Roman';"><u>Antitakeover





                  Provisions</u></font></font></font>.&#160; No &#8220;control share acquisition,&#8221; &#8220;business combination moratorium,&#8221; &#8220;fair price&#8221; or other form of antitakeover statute or regulation is applicable to this Agreement and the transactions contemplated
          hereby.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.22</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref25629065"></a><a name="z_Toc118731602"></a><a name="z_Toc176519108"></a><font style="font-family: 'Times New Roman';"><u>Proxy Statement/Prospectus</u></font></font></font>.&#160; As of the
          date of the Proxy Statement/Prospectus, the Proxy Statement/Prospectus will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which
          they were made, not misleading, provided that information as of a later date shall be deemed to modify information as of an earlier date, and further provided that no representation and warranty is made with respect to information relating to
          Evans and its Subsidiaries included in the Proxy Statement/Prospectus.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.23</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc57988019"></a><a name="z_Toc57988020"></a><a name="z_Ref173149999"></a><a name="z_Toc176519109"></a><a name="z_Toc24547125"></a><a name="z_Toc256000074"></a><font style="font-family: 'Times New Roman';"><u>Investment Securities</u></font></font></font>.&#160; Each of NBT and its Subsidiaries has good title to all securities owned by it (except those sold under repurchase agreements or held in any fiduciary or agency
          capacity), free and clear of any Liens, except to the extent such securities are pledged in the ordinary course of business to secure obligations of Evans or any Subsidiary.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.24</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Ref173150000"></a><a name="z_Toc176519110"></a><font style="font-family: 'Times New Roman';"><u>CRA, Anti-money Laundering and Customer Information Security</u></font></font></font>.&#160; Neither
          NBT nor NBT Bank is a party to any agreement with any individual or group regarding CRA matters and neither NBT nor NBT Bank has any Knowledge of, nor has NBT or NBT Bank been advised of or has any reason to believe that any facts or
          circumstances exist, which would cause NBT or NBT Bank: <a name="DocXTextRef203"></a>(a) to be deemed not to be in satisfactory compliance with the CRA, and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by
          Bank Regulators of lower than &#8220;satisfactory&#8221;; <a name="DocXTextRef204"></a>(b) to be deemed to be operating in violation of the federal Bank Secrecy Act, as amended, and its implementing regulations (31 C.F.R. Chapter X), the USA PATRIOT Act,
          and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or
          regulation; or <a name="DocXTextRef205"></a>(c) to be deemed not to be in satisfactory compliance with the applicable requirements contained in any federal and state privacy or data security laws and regulations, including, without limitation,
          in Title V of the Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by NBT pursuant to <a name="DocXTextRef208"></a>12 C.F.R. Part <a name="DocXTextRef202"></a>208, Subpart <a name="DocXTextRef201"></a>J, <a name="DocXTextRef207"></a>Appendix D.&#160; Furthermore, the NBT Board has adopted, and NBT has implemented an anti-money laundering program that contains adequate and
          appropriate customer identification verification procedures that has not been deemed ineffective by any Governmental Authority and that meets the requirements of <a name="DocXTextRef206"></a>Sections 352 and <a name="DocXTextRef209"></a>326 and
          all other applicable provisions of the USA PATRIOT Act and the regulations thereunder.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.25</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc176519111"></a><font style="font-family: 'Times New Roman';"><u>Insurance</u></font></font></font>.&#160; Each of NBT and its Subsidiaries is insured, and during each of the past three (3)
          calendar years has been insured against such risks and in such amounts as the management of NBT reasonably has determined to be prudent in accordance with industry practices and has maintained all insurance required by applicable laws and
          regulations.&#160; All material insurance policies of NBT are in full force and effect, none of NBT or any of its Subsidiaries is in material default thereunder and all claims thereunder have been filed in due and timely fashion.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">34</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">ARTICLE V</font></div>
        <div style="text-align: center;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman'; font-weight: bold;"><font style="font-family: 'Times New Roman';"><br>
              </font><a name="z_Ref530086213"></a><a name="z_Ref530086304"></a><a name="z_Toc24547126"></a><a name="z_Toc256000075"></a><a name="z_Toc118731604"></a><a name="z_Toc176519112"></a>COVENANTS</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.01</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc330323838"></a><a name="z_Toc24547127"></a><a name="z_Toc256000076"></a><a name="z_Ref25629068"></a><a name="z_Toc118731605"></a><a name="z_Ref173150001"></a><a name="z_Toc176519113"></a><a name="z_Hlk108689972"></a><font style="font-family: 'Times New Roman';"><u>Covenants of Evans</u></font></font></font>.&#160; During the period from the date of this Agreement and continuing until the Effective Time or earlier termination of
          this Agreement, except as expressly contemplated or permitted by this Agreement (including as set forth in the Evans Disclosure Schedule) or with the prior written consent of NBT (such consent not to be unreasonably delayed, conditioned or
          withheld), Evans and Evans Bank shall carry on their respective businesses in the ordinary course consistent with past practice and consistent with prudent banking practice and in compliance in all material respects with all applicable laws and
          regulations.&#160; Evans and Evans Bank will use their respective reasonable best efforts to <a name="DocXTextRef210"></a>(i)&#160;preserve their business organizations intact, (ii)&#160;keep available to Evans, Evans Bank and NBT the present services of the
          current officers and directors of Evans and any of its Subsidiaries and (iii)&#160;preserve for themselves and NBT the goodwill of the customers of Evans and Evans Bank and others with whom business relationships exist.&#160; Without limiting the
          generality of the foregoing, and except as set forth in the Evans Disclosure Schedule or as otherwise expressly contemplated or permitted by this Agreement or consented to in writing by NBT (such consent not to be unreasonably delayed,
          conditioned or withheld) or if required by any Bank Regulator, Evans and Evans Bank shall not:</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div>
          <div>
            <div style="text-align: left; font-family: 'Times New Roman'; text-indent: 36pt;"><font style="text-align: left; font-family: 'Times New Roman';">(a) &#160; &#160; &#160; &#160;&#160; </font><a name="z_Ref25629069"></a><font style="font-family: 'Times New Roman';"><u>Capital





                  Stock</u></font>.&#160; <a name="DocXTextRef211"></a>Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(a)</u></font>, (i)&#160;issue, sell or otherwise permit to become outstanding, or
              authorize the creation or reservation of, any additional shares of capital stock or any Rights, other than capital stock upon the vesting or exercise of any Evans Options, Evans Restricted Stock or Evans RSUs and outstanding as of the date
              hereof in accordance with the terms and conditions thereof as in effect on the date hereof and listed in the Evans Disclosure Schedule, including in connection with &#8220;net settling&#8221; any outstanding awards, (ii)&#160;permit any additional shares of
              capital stock to become subject to grants of employee, director or other stock options, warrants or other Rights, or (iii) redeem, retire, purchase or otherwise acquire, directly or indirectly, any Evans Stock, or obligate itself to purchase,
              retire or redeem, any of its shares of Evans Stock (except to the extent necessary to effect a cashless exercise of Evans Options or net settlement of Evans Restricted Stock or Evans RSUs, in each case outstanding on the date hereof and
              listed in the Evans Disclosure Schedule, in accordance with the terms and conditions thereof as in effect on the date hereof).</div>
            <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman';"> <br>
            </div>
          </div>
        </div>
        <div>
          <div>
            <div style="text-align: left; font-family: 'Times New Roman'; text-indent: 36pt;"><font style="text-align: left; font-family: 'Times New Roman';">(b) &#160; &#160; &#160; &#160;&#160; </font><a name="z_Ref25629070"></a><a name="z_Ref173150002"></a><font style="font-family: 'Times New Roman';"><u>Dividends; Etc</u></font>.&#160; <a name="DocXTextRef213"></a>(i)&#160;Except for Evans&#8217;s regularly semi-annual dividends of up to $0.66 per share, make, declare, pay or set aside for payment any dividend
              on or in respect of, or declare or make any distribution on any shares of Evans Stock or (ii)&#160;directly or indirectly adjust, split, combine, redeem, reclassify, purchase or otherwise acquire any shares of its capital stock. Evans shall not
              change its record date for payment of its semi-annual dividend from the record dates established in the prior year in a manner that is inconsistent with past practice; <font style="font-family: 'Times New Roman'; font-style: italic;">provided</font>,
              <font style="font-family: 'Times New Roman'; font-style: italic;">however</font>, that after the date hereof, Evans shall coordinate with <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">NBT regarding the declaration of any
                dividends in respect of Evans Stock and the record dates and payment dates relating thereto, and it is agreed that Evans and NBT shall take such actions as are necessary to ensure that if either the holders of Evans Stock or the holders of
                NBT Stock receive a dividend for a particular period prior to the Closing Date, then the holders of NBT Stock or the holders of Evans Stock, respectively, shall also receive a dividend for such period, whether in full or&#160;pro-rated&#160;for the
                applicable period, as necessary to result in the holders of Evans Stock and the holders of NBT Stock receiving dividends covering the same periods prior to the Closing Date</font>.</div>
            <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman';"> <br>
            </div>
          </div>
        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629071"></a><a name="z_Hlk174436223"></a><font style="font-family: 'Times New Roman';"><u>Compensation; Employment Agreements, Etc</u></font>.&#160; Except as provided for on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(c)</u></font>, enter into or amend
              or renew any employment, consulting, severance or similar agreements or arrangements with any director, officer, employee or other individual service provider of Evans, Evans Bank or any of their Subsidiaries or grant any salary or wage
              increase or increase any employee benefit or pay any incentive or bonus payments or accelerate the vesting, payment or funding of any compensation or benefits, except <a name="DocXTextRef215"></a>(i) for normal increases in compensation to
              employees in the ordinary course of business consistent with past practice, <font style="font-family: 'Times New Roman';"><u>provided</u></font> that no such increase shall be more than four percent (4%) with respect to any individual
              employee and all such increases in the aggregate shall not exceed three and a half percent (3.5%) of total compensation, (ii) as required under applicable law, the terms of this Agreement or the terms of any Evans Benefit Plan in effect on
              the date hereof, (iii) cash contributions to the Evans <a name="DocXTextRef214"></a>401(k) Plan in the ordinary course of business consistent with past practice, (iv) payment, in the ordinary course of business consistent with past practice,
              of 2024 monthly, quarterly, annual cash bonuses; (v) payment, in the ordinary course of business consistent with past practice, of 2025 monthly, quarterly, annual cash bonuses at a target level of performance, as applicable, and on a
              pro-rated basis from January 1, 2025 through the Closing Date; and (vi) as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(a)</u></font>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
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          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">35</font></div>
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629072"></a><font style="font-family: 'Times New Roman';"><u>Hiring</u></font>.&#160; Hire any person as an employee of Evans or any of its Subsidiaries or promote any employee to a position of Vice President or above or to the extent such hire or promotion would increase any
              severance obligation, except <a name="DocXTextRef216"></a>(i)&#160;to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(d)</u></font>,
              (ii)&#160;persons hired to fill any vacancies arising after the date hereof at an annual salary of less than $75,000 and whose employment is terminable at the will of Evans or Evans Bank, as applicable, and (iii) as otherwise set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(d)</u></font>; <font style="font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that Evans or Evans Bank must provide notice to NBT within
              five (5) Business Days following the hiring of any persons hired to fill a vacancy.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629073"></a><font style="font-family: 'Times New Roman';"><u>Benefit Plans</u></font>.&#160; Except as provided for on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(e)</u></font>, enter into, establish, amend, modify or terminate any Evans Benefit
              Plan or adopt an arrangement that would constitute an Evans Benefit Plan, except <a name="DocXTextRef217"></a>(i)&#160;as may be required by applicable law or the terms of this Agreement, subject to the provision of prior written notice and
              consultation with respect thereto to NBT, or (ii)&#160;to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(e)</u></font>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629074"></a><font style="font-family: 'Times New Roman';"><u>Transactions with Affiliates</u></font>.&#160; Except any agreements or arrangements in effect on the date hereof, pay, loan or advance any amount to, or sell, transfer or lease any properties or assets (real, personal or
              mixed, tangible or intangible) to, or enter into any agreement or arrangement with, any of its officers or directors or any of their immediate family members or any affiliates or associates (as such terms are defined under the Exchange Act or
              in Regulation W of the Federal Reserve Act of 1913) of any of its officers or directors other than compensation in the ordinary course of business consistent with past practice.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629075"></a><font style="font-family: 'Times New Roman';"><u>Dispositions</u></font>.&#160; Sell, transfer, mortgage, pledge, encumber or otherwise dispose of or discontinue any of its assets, deposits, business or properties except in the ordinary course of business consistent with
              past practice and in a transaction that, together with all other such transactions, is not material to Evans taken as a whole.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629076"></a><font style="font-family: 'Times New Roman';"><u>Acquisitions</u></font>.&#160; Acquire (other than by way of foreclosures or acquisitions of control in a bona fide fiduciary capacity or in satisfaction of debts previously contracted in good faith, in each case in the
              ordinary and usual course of business consistent with past practice) all or any portion of the assets, business, deposits or properties of any other entity.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629077"></a><font style="font-family: 'Times New Roman';"><u>Capital Expenditures</u></font>.&#160; Make any capital expenditures other than capital expenditures in the ordinary course of business consistent with past practice in amounts not exceeding $50,000 individually or
              $100,000 in the aggregate.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629078"></a><font style="font-family: 'Times New Roman';"><u>Governing Documents</u></font>.&#160; Amend the Certificate of Incorporation, as amended, or the Amended and Restated Bylaws of Evans, or similar governing documents of Evans or Evans Bank.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629079"></a><font style="font-family: 'Times New Roman';"><u>Accounting Methods</u></font>.&#160; Implement or adopt any change in its accounting principles, practices or methods, other than as may be required by applicable laws or regulations or GAAP or by a Bank Regulator.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">36</font></div>
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        </div>
        <div style="text-indent: 36pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629080"></a><font style="font-family: 'Times New Roman';"><u>Contracts</u></font>.&#160; Except in the ordinary course of business consistent with past practice or as otherwise expressly permitted by this Agreement, enter into, amend, modify, renew or terminate
              any Material Contract. Evans shall notify NBT within thirty (30) days of the entry, amendment, modification, renewal or termination of any Material Contract permitted by this <u>Section 5.01(l)</u>.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(m)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629081"></a><font style="font-family: 'Times New Roman';"><u>Claims</u></font>.&#160; Except as set forth in <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(m)</u></font>, enter into any settlement or similar agreement with respect to any action,
              suit, proceeding, order or investigation to which Evans or Evans Bank is or becomes a party after the date of this Agreement, which settlement, agreement or action involves payment by Evans or Evans Bank of an amount which exceeds $50,000
              individually or $100,000 in the aggregate and/or would impose any material restriction on the business of Evans or Evans Bank; <font style="font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that Evans or Evans
              Bank may not enter into any settlement or similar agreement with respect to any action, suit, proceeding, order or investigation for which Evans or Evans Bank has not provided notice to NBT of the existence of such action, suit, proceeding,
              order or investigation.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(n)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629082"></a><font style="font-family: 'Times New Roman';"><u>Banking Operations</u></font>.&#160; Enter into any new material line of business; change its material lending, investment, underwriting, risk and asset liability management and other material banking and operating
              policies, except as required by applicable law, regulation or policies imposed by any Governmental Authority; or file any application or make any contract with respect to branching or site location or branching or site relocation.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(o)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629083"></a><font style="font-family: 'Times New Roman';"><u>Derivative Transactions</u></font>.&#160; Except in the ordinary course of business consistent with past practice, enter into any Derivative Transactions.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(p)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629084"></a><font style="font-family: 'Times New Roman';"><u>Indebtedness</u></font>.&#160; Incur any indebtedness for borrowed money or other liabilities (including brokered deposits and wholesale funding), federal funds purchased, borrowings from the FHLBB and securities sold
              under agreements to repurchase, each with a duration exceeding one (1) year, other than in the ordinary course of business consistent with past practice, or assume, guarantee, endorse or otherwise as an accommodation become responsible for
              the obligations of any other Person, other than in the ordinary course of business consistent with past practice.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(q)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629085"></a><font style="font-family: 'Times New Roman';"><u>Investment Securities</u></font>.&#160; Acquire (other than by way of foreclosures or acquisitions in a bona fide fiduciary capacity or in satisfaction of debts previously contracted in good faith, in each case in the
              ordinary course of business consistent with past practice) <a name="DocXTextRef218"></a>(i)&#160;any debt security or equity investment of a type or in an amount that is not in accordance with Evans&#8217;s investment policy or (ii)&#160;any debt security,
              including mortgage-backed and mortgage related securities, other than U.S. government and U.S. government agency securities with final maturities not greater than five years or mortgage-backed or mortgage related securities which would not be
              considered &#8220;high risk&#8221; securities under applicable regulatory pronouncements, in each case purchased in the ordinary course of business consistent with past practice; or restructure or materially change its investment securities portfolio,
              through purchases, sales or otherwise, or the manner in which such portfolio or any securities therein are classified under GAAP or reported for regulatory purposes.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(r)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref530083619"></a><font style="font-family: 'Times New Roman';"><u>Loans</u></font>.&#160; Except to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.01(r)</u></font>, (i) make or
              purchase any new Loan, in an amount in excess of $<a name="z_Hlk118472775"></a>7.5 million for a commercial real estate loan, $7.5 million for a commercial business loan, $7.5 million for a construction loan or $2 million for a residential
              real estate loan, or (ii) renegotiate, renew, extend or modify any Loan, in an amount in excess of $10 million for a commercial real estate loan, $10 million for a commercial business loan, $10 million for a construction loan or $2 million
              for a residential real estate loan.&#160; For purposes of this <font style="font-family: 'Times New Roman';"><u>Section 5.01(r)</u></font>, consent shall be deemed given unless NBT objects within two (2) Business Days of receiving a notification
              from Evans.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
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          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">37</font></div>
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        </div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(s)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629086"></a><font style="font-family: 'Times New Roman';"><u>Investments in Real Estate</u></font>.&#160; Make any equity investment or equity commitment to invest in real estate or in any real estate development project (other than by way of foreclosure or acquisitions in a bona
              fide fiduciary capacity or in satisfaction of a debt previously contracted in good faith, in each case in the ordinary course of business consistent with past practice).</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(t)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629087"></a><font style="font-family: 'Times New Roman';"><u>Taxes</u></font>.&#160; Make or change any material Tax election, file any materially amended Tax Return, enter into any material closing agreement, settle or compromise any material liability with respect to Taxes, agree
              to any adjustment of any material Tax attribute, file any material claim for a refund of Taxes, or consent to any extension or waiver of the limitation period applicable to any material Tax claim or assessment.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(u)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629088"></a><font style="font-family: 'Times New Roman';"><u>Compliance with Agreements</u></font>.&#160; Commit any act or omission which constitutes a material breach or default by Evans or Evans Bank under any agreement with any Governmental Authority or under any Material
              Contract, Lease or other material agreement or material license to which it is a party or by which it or its properties is bound.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(v)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629089"></a><font style="font-family: 'Times New Roman';"><u>Environmental Assessments</u></font>.&#160; Foreclose on or take a deed or title to any commercial real estate without first conducting a Phase I environmental assessment of the property or foreclose on any commercial real
              estate if such environmental assessment indicates the presence of a Hazardous Substance in amounts which, if such foreclosure were to occur, would be material.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(w)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629090"></a><font style="font-family: 'Times New Roman';"><u>Insurance</u></font>.&#160; Cause or allow the loss of insurance coverage maintained by Evans that would have a Material Adverse Effect on Evans, unless replaced with coverage which is substantially similar (in amount and
              insurer) to that now in effect.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(x)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629091"></a><font style="font-family: 'Times New Roman';"><u>Liens</u></font>.&#160; Discharge or satisfy any Lien or pay any obligation or liability, whether absolute or contingent, due or to become due, except in the ordinary course of business consistent with normal banking
              practices.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(y)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629092"></a><font style="font-family: 'Times New Roman';"><u>Adverse Actions</u></font>.&#160; Take any action or fail to take any action that is intended or is reasonably likely to result in <a name="DocXTextRef219"></a>(i)&#160;any of its representations and warranties set forth in
              this Agreement being or becoming untrue in any material respect at any time at or prior to the Effective Time, (ii)&#160;any of the conditions to the Merger set forth in Article VI not being satisfied, (iii)&#160;a material violation of any provision
              of this Agreement or (iv) a material delay of the approval or completion of the Merger, except, in each case, as may be required by applicable law or regulation or by a Bank Regulator.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(z)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><a name="z_Ref25629093"></a><font style="font-family: 'Times New Roman';"><u>Commitments</u></font>.&#160; Enter into any contract with respect to, or otherwise agree or commit to do, any of the actions set forth in clauses (a) through <a name="DocXTextRef220"></a>(y) above.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.02</font><font style="font-size: 10pt;">&#160;&#160; &#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><a name="z_Toc24547128"></a><a name="z_Toc256000077"></a><a name="z_Ref25629094"></a><a name="z_Toc118731606"></a><a name="z_Ref173150003"></a><a name="z_Toc176519114"></a><font style="font-family: 'Times New Roman';"><u>Covenants of NBT</u></font></font></font>.&#160; NBT will, and it will cause each of its Subsidiaries to, <a name="DocXTextRef221"></a>(i) carry on its business in the ordinary course consistent with past practice and
          consistent with prudent banking practice and in compliance in all material respects with all applicable laws and regulations and (ii) use reasonable efforts to preserve intact its business organization and assets and maintain its rights and
          franchises. From the date hereof until the Effective Time or earlier termination of this Agreement, except as expressly contemplated or permitted by this Agreement, without the prior written consent of Evans, NBT will not, and will cause each of
          its Subsidiaries not to:</div>
        <div style="font-size: 10pt;">&#160;</div>
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          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">38</font></div>
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          <div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Adverse Actions</u></font>.&#160; Take any action or fail to take any action that is intended or is reasonably likely to result in (i) any of its representations and warranties set forth in this Agreement being or
                becoming untrue in any material respect at any time at or prior to the Effective Time, (ii) any of the conditions to the Merger set forth in Article VI not being satisfied, (iii) a material violation of any provision of this Agreement
                except, (iv) preventing the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code or (v) preventing or adversely affecting or delaying the ability of the parties to obtain the Regulatory Approvals or
                other approvals of any Governmental Authority required for the transaction contemplated hereby, in each case, as may be required by applicable law or regulation or by a Bank Regulator.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capital Stock</u></font>. Grant, issue, deliver or sell any additional shares of capital stock or Rights; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that NBT may (i) grant equity awards pursuant to its employee benefit plans as required by any NBT employee benefit plan or in the ordinary
                course consistent with past practice, (ii) issue capital stock upon the vesting or exercise of any equity awards granted pursuant to a NBT employee benefits plan outstanding as of the date hereof in accordance with the terms and conditions
                thereof as in effect on the date hereof, including in connection with &#8220;net settling&#8221; any outstanding awards, and (iii) issue NBT capital stock in connection with the transactions contemplated hereby.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dividends; Etc.</u></font> Other than in the ordinary course of business consistent with past practice or in connection with the transactions contemplated hereby, make, declare, pay or set aside for payment any
                stock dividend on or in respect of, or declare or make any distribution on any shares of NBT Stock; or directly or indirectly adjust, split, combine, redeem, reclassify, purchase or otherwise acquire any shares of its capital stock. NBT
                shall not change its record date for payment of its quarterly dividend from the record date established in the prior year&#8217;s quarter in a manner that is inconsistent with past practice.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Amending Governing Documents</u></font>. Amend the Restated Certificate of Incorporation, as amended, and Amended and Restated Bylaws of NBT in a manner that would materially and adversely affect the holders of
                Evans Stock, as prospective holders of NBT Stock, relative to other holders of NBT Stock.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Commitments</u></font>.&#160; Enter into any contract with respect to, or otherwise agree or commit to do, any of the foregoing.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Reasonable Best Efforts</u></font>.&#160; Subject to the terms and conditions of this Agreement, each of the parties to the Agreement agrees to use its reasonable best efforts in good faith to take, or cause to be taken, all
              actions, and to do, or cause to be done, all things necessary, proper or advisable under applicable laws, so as to permit consummation of the transactions contemplated hereby as promptly as practicable, and otherwise to enable consummation of
              the transactions contemplated by this Agreement, including the satisfaction of the conditions set forth in Article VI hereof, and shall cooperate fully with the other parties hereto to that end.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Shareholder Approval</u></font>. Evans agrees to take, in accordance with applicable law and the Certificate of Incorporation, as amended, and the Amended and Restated Bylaws of Evans, all action necessary to convene a
              special meeting of its shareholders to consider and vote upon the approval of this Agreement and any other matters required to be approved by Evans&#8217;s shareholders in order to permit consummation of the transactions contemplated by this
              Agreement (including any adjournment or postponement, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Meeting</u></font>&#8221;) and, subject to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section
                  5.05</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11</u></font>, shall take all lawful action to solicit such approval by such shareholders.&#160; Evans agrees to use its best efforts to convene
              the Evans Meeting within fifty (50) days after the initial mailing of the Proxy Statement/Prospectus to shareholders of Evans.&#160; Except with the prior approval of NBT, no other matters shall be submitted for the approval of Evans shareholders
              at the Evans Meeting.&#160; The Evans Board shall at all times prior to and during the Evans Meeting recommend adoption of this Agreement by the shareholders of Evans (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans
                  Recommendation</u></font>&#8221;) and shall not withhold, withdraw, amend or modify such recommendation in any manner adverse to NBT or take any other action or make any other public statement inconsistent with such recommendation, except as
              and to the extent expressly permitted by <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11</u></font>.</div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">39</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Merger Registration Statement; Proxy Statement/Prospectus</u></font>.&#160; For the purposes of (x) registering NBT Stock to be offered to holders of Evans Stock in connection with the Merger with the SEC under the
              Securities Act and applicable state securities laws and (y) holding the Evans Meeting, NBT shall draft and prepare, and Evans shall cooperate in the preparation of, a registration statement on Form S-4 for the registration of the shares to be
              issued by NBT in the Merger (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Registration Statement</u></font>&#8221;), including the Proxy Statement/Prospectus.&#160; NBT shall provide Evans and its counsel with
              appropriate opportunity to review and comment on the Merger Registration Statement and Proxy Statement/Prospectus prior to the time they are initially filed with the SEC or any amendments that are filed with the SEC. NBT shall use its
              reasonable best efforts to file the Merger Registration Statement with the SEC within forty-five (45) days after the date hereof. Each of NBT and Evans shall use its reasonable best efforts to have the Merger Registration Statement declared
              effective under the Securities Act as promptly as practicable after such filing and shall thereafter promptly mail the Proxy Statement/Prospectus to Evans&#8217;s shareholders.&#160; NBT shall also use its reasonable best efforts to obtain all necessary
              state securities law or &#8220;Blue Sky&#8221; permits and approvals required to carry out the transactions contemplated by this Agreement, and Evans shall furnish to NBT all information concerning Evans and the holders of Evans Stock as may be
              reasonably requested in connection with such action.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Cooperation and Information Sharing</u></font>.&#160; Evans shall provide NBT with any information concerning Evans that NBT may reasonably request in connection with the drafting and preparation of the Merger Registration
              Statement and Proxy Statement/Prospectus, and each party shall notify the other promptly of the receipt of any comments of the SEC with respect to the Merger Registration Statement or Proxy Statement/Prospectus and of any requests by the SEC
              for any amendment or supplement thereto or for additional information. NBT shall promptly provide to Evans copies of all correspondence between it or any of its representatives and the SEC. NBT shall provide Evans and its counsel with
              appropriate opportunity to review and comment on all amendments and supplements to the Merger Registration Statement and Proxy Statement/Prospectus and all responses to requests for additional information and replies to comments prior to
              their being filed with, or sent to, the SEC.&#160; Each of NBT and Evans agrees to use all reasonable efforts, after consultation with the other party hereto, to respond promptly to all such comments of and requests by the SEC, and to cause the
              Proxy Statement/Prospectus and all required amendments and supplements thereto, to be mailed to the holders of Evans Stock entitled to vote at the Evans Meeting<font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">&#160;</font>at






              the earliest practicable time.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Supplements or Amendment</u></font>.&#160; Evans and NBT shall promptly notify the other party if at any time it becomes aware that the Proxy Statement/Prospectus or the Merger Registration Statement contains any untrue
              statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the statements contained therein, in light of the circumstances under which they were made, not misleading.&#160; In such event,
              Evans shall cooperate with NBT in the preparation of a supplement or amendment to such Proxy Statement/Prospectus which corrects such misstatement or omission, and NBT shall file an amended Merger Registration Statement with the SEC, and
              Evans shall mail an amended Proxy Statement/Prospectus to its shareholders.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.08</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Regulatory Approvals</u></font>.&#160; Each of Evans and NBT will cooperate with the other and use all reasonable efforts to promptly prepare all necessary documentation, to affect all necessary filings and to obtain all
              necessary permits, consents, approvals, waivers and authorizations of all third parties and Governmental Authorities necessary to consummate the transactions contemplated by this Agreement and NBT shall use its reasonable best efforts to make
              any initial application filings with Governmental Authorities within forty-five (45) days from the date hereof.&#160; Evans and NBT will furnish each other and each other&#8217;s counsel with all information concerning their respective entities, their
              subsidiaries, directors, officers and shareholders and such other matters as may be necessary or advisable in connection with the filing of the Proxy Statement/Prospectus and any application, petition or any other statement or application
              made by or on behalf of NBT or Evans to any Governmental Authority in connection with the Merger and the other transactions contemplated by this Agreement.&#160; Each party hereto shall have the right to review and approve in advance all
              characterizations of the information relating to such party and any of its Subsidiaries that appear in any filing made in connection with the transactions contemplated by this Agreement with any Governmental Authority.&#160; In addition, NBT and
              Evans shall each furnish to the other for review a copy of each such filing made in connection with the transactions contemplated by this Agreement with any Governmental Authority prior to its filing.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">40</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.09</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Press Releases</u></font>.&#160; Evans and NBT shall consult with each other before issuing any press release with respect to this Agreement or the transactions contemplated hereby and shall not issue any such press release
              or make any such public statements (including written employee and customer communications required to be filed under the Securities Act or the Exchange Act) without the prior consent of the other party, which shall not be unreasonably
              withheld; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that a party may, without the prior consent of the other party (but after such consultation, to the extent practicable in
              the circumstances), issue such press release or make such public statements as may upon the advice of outside counsel be required by law.&#160; Evans and NBT shall cooperate to develop all public announcement materials and written employee and
              customer communications required to be filed under the Securities Act or the Exchange Act and make appropriate management available at presentations related to this Agreement as reasonably requested by the other party.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Access; Information</u></font>.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Evans agrees that upon reasonable notice and
                subject to applicable laws, it shall afford NBT and its designated authorized officers, employees, counsel, accountants and other authorized representatives such reasonable access during normal business hours throughout the period prior to
                the Effective Time to the books, records (including, without limitation, Tax Returns and work papers of independent auditors), minute books of Evans&#8217;s board of directors and any committees thereof (other than minutes that discuss any of the
                transactions contemplated by this Agreement or any confidential supervisory information), properties and personnel of Evans and to such other information relating to Evans as NBT may reasonably request and, during such period, it shall
                furnish promptly to NBT all information concerning the business, properties and personnel of Evans as NBT may reasonably request. NBT may hire, at its expense, a mutually-agreeable third party consultant to perform cybersecurity system
                testing and monitoring (based on a mutually-agreeable project scope and terms) in order to confirm that the Evans&#8217; technology systems are free of security breaches and, if necessary, provide remediation and notices related thereto. NBT and
                Evans shall each receive the results of the testing and reasonably coordinate their efforts on any potential remediation and notices. NBT shall use commercially reasonable efforts to minimize any interference with Evans&#8217;s regular business
                operations during any such access to Evans&#8217;s employees, property, books and records.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">In furtherance of the foregoing, Evans shall, on
                a monthly basis, provide to NBT a report setting forth (i) Evans Bank&#8217;s commercial construction loan and residential construction loan activity, including information regarding loan applications, loan approvals and loan performance, as well
                as any additional information as NBT may reasonably request regarding such loans, and (ii) a list of all commercial real estate loans and commercial business loans approved during the period covered by the report, as well as any additional
                information as NBT may reasonably request regarding such loans.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Evans shall keep NBT reasonably apprised of the
                status of any legal proceeding involving Evans or any of its Subsidiaries and shall notify NBT of any change in status of such legal proceeding (including, without limitation, any filings, hearings or settlement negotiations) within five
                Business Days of such change. NBT shall keep Evans reasonably apprised of the status of any material legal proceeding involving NBT or any of its Subsidiaries and shall notify Evans of any change in status of such legal proceeding
                (including, without limitation, any hearings or settlement negotiations) within five Business Days of such change.</font></div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">41</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All information furnished to NBT by Evans
                pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.10(a)</u></font> shall be subject to, and NBT shall hold all such information in confidence in accordance with, the provisions of the letter agreement,
                dated as of June 23, 2024, by and between Evans and NBT (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Confidentiality Agreement</u></font>&#8221;).</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding anything to the contrary
                contained in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.10</u></font>, in no event shall NBT have access to any information that, based on advice of Evans&#8217;s counsel, would: (a) reasonably be expected
                to waive any material legal privilege; (b) result in the disclosure of any trade secrets of third parties; or (c) violate any obligation of Evans with respect to confidentiality so long as, with respect to confidentiality, to the extent
                specifically requested by NBT, Evans has made commercially reasonable efforts to obtain a waiver regarding the possible disclosure from the third party to whom it owes an obligation of confidentiality.&#160; All requests made pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.10</u></font> will be directed to an executive officer of Evans or such Person or Persons as may be designated by Evans. No investigation by NBT of the business and
                affairs of Evans shall affect or be deemed to modify or waive any representation, warranty, covenant or agreement in this Agreement, or the conditions to the obligations of NBT to consummate the transactions contemplated by this Agreement.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>No Solicitation by Evans</u></font>.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Evans shall not, and shall cause its officers,
                directors, employees, investment bankers, financial advisors, attorneys, accountants, consultants, affiliates and other agents of Evans (collectively, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans
                    Representatives</u></font>&#8221;) not to, directly or indirectly, (i) initiate, solicit, induce or knowingly encourage, or take any action to facilitate the making of, any inquiry, offer or proposal which constitutes, or could reasonably be
                expected to lead to, an Acquisition Proposal; (ii) participate in any discussions or negotiations regarding any Acquisition Proposal or furnish, or otherwise afford access, to any Person (other than NBT) any confidential or non-public
                information or data with respect to Evans or otherwise relating to an Acquisition Proposal; or (iii) without the prior written consent of NBT, release any Person from, waive any provisions of, or fail to enforce any confidentiality
                agreement or standstill agreement to which Evans is a party. Evans shall, and shall cause each of the Evans Representatives to immediately cease and cause to be terminated any and all existing discussions, negotiations, and communications
                with any Persons with respect to any existing or potential Acquisition Proposal.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(a)</u></font>, prior to the Evans Meeting, Evans may take any of the actions described in clause (ii) of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(a)</u></font>
                if, but only if, (i) Evans has received a bona fide unsolicited written Acquisition Proposal that did not result from a breach of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11</u></font>; (ii) the
                Evans Board determines in good faith, (A) after consultation with its outside legal counsel and, with respect to financial matters, its independent financial advisor, that such Acquisition Proposal constitutes or is reasonably likely to
                lead to a Superior Proposal and (B) after consultation with its outside legal counsel, and with respect to financial matters, its financial advisors, determines in good faith that it is required to take such actions to comply with its
                fiduciary duties under applicable law; (iii) Evans has provided NBT with at least 48 hours&#8217; prior notice of such determination; and (iv) prior to furnishing or affording access to any information or data with respect to Evans or otherwise
                relating to an Acquisition Proposal, Evans receives from such Person a confidentiality agreement with terms not materially less favorable to Evans than those contained in the Confidentiality Agreement. In addition, if Evans receives an
                Acquisition Proposal that constitutes or is reasonably expected to result in a Superior Proposal and Evans has not breached any of the covenants set forth in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section
                    5.11</u></font>, then Evans, or any Evans Representative may, with the prior approval of the Evans Board at a duly called meeting, contact the Person who has submitted (and not withdrawn) such Acquisition Proposal, or any of such
                Person&#8217;s representatives, solely (x) to clarify the terms and conditions of such Acquisition Proposal and (y) if such Acquisition Proposal initially is made orally, to direct such Person to submit the Acquisition Proposal to Evans
                confidentially in writing. Evans shall promptly provide to NBT any non-public information regarding Evans provided to any other Person which was not previously provided to NBT, such additional information to be provided no later than the
                date of provision of such information to such other party.</font></div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">42</font></div>
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            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Evans shall promptly (and in any event orally
                within one Business Day and in writing within two Business Days) notify NBT if any inquiries, proposals or offers are received by, any information is requested from, or any negotiations or discussions are sought to be initiated or continued
                with, Evans or the Evans Representatives, in each case in connection with any Acquisition Proposal, and such notice shall indicate the name of the Person initiating such discussions or negotiations or making such inquiry, proposal, offer or
                information request and the material terms and conditions of any proposals or offers (and, in the case of written materials relating to such inquiry, proposal, offer, information request, negotiations or discussion, providing copies of such
                materials (including e-mails or other electronic communications)). Evans agrees that it shall keep NBT informed, on a reasonably current basis (and in any event within 24 hours), of the status and terms of any material developments with
                respect to such inquiry, proposal, offer, information request, negotiations or discussions (including, in each case, any amendments or modifications thereto). Evans shall provide NBT with at least 48 hours&#8217; prior notice of any meeting of
                the Evans Board at which the Evans Board is reasonably expected to consider any Acquisition Proposal.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(e)</u></font>, neither the Evans Board nor any committee thereof shall (i) withdraw, qualify, amend, modify or withhold, or propose to withdraw, qualify, amend, modify or withhold, in a
                manner adverse to NBT in connection with the transactions contemplated by this Agreement (including the Merger), the Evans Recommendation, fail to reaffirm the Evans Recommendation within five Business Days following a request by NBT, or
                make any statement, announcement or release, in connection with the Evans Meeting or otherwise, inconsistent with the Evans Recommendation (it being understood that taking a neutral position or no position with respect to an Acquisition
                Proposal shall be considered an adverse modification of the Evans Recommendation); (ii) approve or recommend, or propose to approve or recommend, any Acquisition Proposal; or (iii) enter into (or cause Evans to enter into) any letter of
                intent, agreement in principle, acquisition agreement or other agreement (A) related to any Acquisition Transaction (other than a confidentiality agreement entered into in accordance with the provisions of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(b)</u></font>) or (B) requiring Evans to abandon, terminate or fail to consummate the Merger or any other transaction contemplated by this Agreement.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding anything to the contrary set
                forth in this Agreement, prior to the Evans Meeting, the Evans Board may withdraw, qualify, amend or modify the Evans Recommendation in connection therewith (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans
                    Subsequent Determination</u></font>&#8221;) and/or terminate this Agreement pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(g)(ii)</u></font> after the fourth Business Day following NBT&#8217;s receipt of
                a written notice (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Notice of Superior Proposal</u></font>&#8221;) from Evans advising NBT that the Evans Board intends to determine that a bona fide unsolicited written
                Acquisition Proposal that it received (that did not result from a breach of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11</u></font>) constitutes a Superior Proposal if, but only if, (i) the Evans
                Board has reasonably determined in good faith, after consultation with outside legal counsel, that it is required to take such actions to comply with its fiduciary duties under applicable law, (ii) during the three Business Day period after
                receipt of the Notice of Superior Proposal by NBT (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Notice Period</u></font>&#8221;), Evans and the Evans Board shall have cooperated and negotiated in good faith with NBT to
                make such adjustments, modifications or amendments to the terms and conditions of this Agreement as would enable Evans to proceed with the Evans Recommendation without an Evans Subsequent Determination; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that NBT shall not have any obligation to propose any adjustments, modifications or amendments to the terms and conditions of this Agreement, and (iii) at the
                end of the Notice Period, after taking into account any such adjusted, modified or amended terms as may have been proposed by NBT since its receipt of such Notice of Superior Proposal, the Evans Board in good faith makes the determination
                (A) in clause (i) of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(e)</u></font> and (B) that such Acquisition Proposal constitutes a Superior Proposal. In the event of any material revisions to the
                Superior Proposal, Evans shall be required to deliver a new Notice of Superior Proposal to NBT and again comply with the requirements of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(e)</u></font>,
                except that the Notice Period shall be reduced to two Business Days.&#160; In addition to the foregoing, the Evans Board shall not submit to the vote of its stockholders any Acquisition Proposal other than the Merger at the Evans Meeting.</font></div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">43</font></div>
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            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Nothing contained in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11</u></font> shall prohibit Evans or the Evans Board from complying with Evans&#8217;s obligations required under Rules 14d-9&#160; and 14e-2(a) promulgated under the Exchange
                Act or from making any legally required disclosure to Evans&#8217;s shareholders; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that any such disclosure relating to an Acquisition
                Proposal shall be deemed a change in the Evans Recommendation unless it is limited to a stop, look and listen communication or the Evans Board reaffirms the Evans Recommendation in such disclosure.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.12</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Certain Policies</u></font>.&#160; Prior to the Effective Date, Evans shall, consistent with GAAP and applicable banking laws and regulations, modify or change its loan, OREO, accrual, reserve, tax, litigation and real
              estate valuation policies and practices (including loan classifications and levels of reserves) so as to be applied on a basis that is consistent with that of NBT; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that Evans shall not be obligated to take any action pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.12</u></font> unless and until all Regulatory Approvals
              have been obtained and NBT acknowledges in writing, and Evans is satisfied, that all conditions to Evans&#8217;s obligation to consummate the Merger have been satisfied and that NBT shall consummate the Merger in accordance with the terms of this
              Agreement, and further provided that in any event, no accrual or reserve made by Evans pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.12</u></font> or the consequences resulting therefrom shall
              constitute or be deemed to be a breach, violation of or failure to satisfy any representation, warranty, covenant, agreement, condition or other provision of this Agreement or otherwise be considered in determining whether any such breach,
              violation or failure to satisfy shall have occurred.&#160; The recording of any such adjustments shall not be deemed to imply any misstatement of previously furnished financial statements or information and shall not be construed as concurrence of
              Evans or its management with any such adjustments, nor any admission that the previously furnished financial statements or information did not fully comply in all respects with GAAP or regulatory requirements.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Indemnification</u></font>.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">From and after the Effective Time, NBT (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indemnifying Party</u></font>&#8221;) shall indemnify and hold harmless each present and former director and officer of Evans or Evans Bank, as applicable, determined as of the
                Effective Time (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indemnified Parties</u></font>&#8221;) against any costs or expenses (including reasonable attorneys&#8217; fees), judgments, amounts paid in settlement, fines,
                penalties, losses, claims, damages or liabilities incurred in connection with any claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, and whether formal or informal (each, a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Proceeding</u></font>&#8221;) arising out of matters existing or occurring at or prior to the Effective Time, whether asserted or claimed prior to, at or after the Effective Time,
                arising in whole or in part out of or pertaining to the fact that he or she was a director or officer of Evans or Evans Bank or is or was serving at the request of Evans or Evans Bank as a director, officer, employee or other agent of any
                other organization or in any capacity with respect to any employee benefit plan of Evans or Evans Bank, including without limitation matters related to the negotiation, execution and performance of this Agreement or any of the transactions
                contemplated hereby, to the fullest extent which such Indemnified Parties would be entitled under the NYBCL or the Certificate of Incorporation, as amended, and the Amended and Restated Bylaws of Evans or Evans Bank as in effect on the date
                hereof (subject to change as required by law), including with respect to the advancement of expenses.&#160; Notwithstanding any other provision of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font>,
                the Indemnifying Party shall advance all reasonable costs, expenses and fees (including reasonable attorneys&#8217; fees) incurred by or on behalf of an Indemnified Party in connection with any Proceeding within thirty (30) days after the receipt
                by the Indemnifying Party of a statement or statements from the Indemnified Party requesting such advance or advances from time to time, whether prior to or after final disposition of such Proceeding. Such statement or statements shall be
                made in good faith and shall reasonably evidence the costs, expenses and fees incurred by the Indemnified Party (which shall include invoices in connection with such costs, fees and expenses but, in the case of invoices in connection with
                legal services, any references to legal work performed or to expenditure made that would cause the Indemnified Party to waive any privilege or protection accorded by applicable law shall not be included with the invoice), and shall include
                or be preceded or accompanied by a written undertaking by or on behalf of the Indemnified Party to repay any costs, expenses or fees advanced if it shall ultimately be determined that the Indemnified Party is not entitled to be indemnified
                against such costs, expenses or fees. Any advances and undertakings to repay pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font> shall be unsecured and interest free and made without
                regard to the Indemnified Party&#8217;s ability to repay such advances or ultimate entitlement to indemnification.</font></div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">44</font></div>
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            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Any Indemnified Party wishing to claim
                indemnification under this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font>, upon learning of any such Proceeding, shall promptly notify the Indemnifying Party, but the failure to so notify shall
                not relieve the Indemnifying Party of any liability it may have to such Indemnified Party except to the extent that such failure does actually prejudice the Indemnifying Party.&#160; In the event of any such Proceeding (whether arising before or
                after the Effective Time), (i) the Indemnifying Party shall have the right to assume the defense thereof with counsel which is reasonably satisfactory to the Indemnified Party and the Indemnifying Party shall not be liable to such
                Indemnified Parties for any legal expenses of other counsel or any other expenses subsequently incurred by such Indemnified Parties in connection with the defense thereof, except that if the Indemnifying Party elects not to assume such
                defense or counsel for the Indemnified Parties advises that there are issues which raise actual or potential conflicts of interest between the Indemnifying Party and the Indemnified Parties, the Indemnified Parties may retain counsel which
                is reasonably satisfactory to the Indemnifying Party, and the Indemnifying Party shall pay, promptly as statements therefor are received, the reasonable fees and expenses of such counsel for the Indemnified Parties (which may not exceed one
                firm in any jurisdiction unless counsel for the Indemnified Parties advises that there are issues that raise conflicts of interest between the Indemnified Parties), (ii) the Indemnified Parties will reasonably cooperate in the defense of
                any such matter, (iii) the Indemnifying Party shall not be liable for any settlement effected without its prior written consent and (iv) the Indemnifying Party shall have no obligation hereunder in the event that indemnification of an
                Indemnified Party in the manner contemplated hereby is prohibited by applicable laws and regulations or by a final non-appealable adjudication of an applicable federal or state banking agency or a court of competent jurisdiction.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Prior to the Effective Time, NBT shall purchase
                an extended reporting period endorsement under Evans&#8217;s existing directors&#8217; and officers&#8217; liability insurance coverage for Evans&#8217;s directors and officers in a form acceptable to Evans which shall provide such directors and officers with
                coverage for six years following the Effective Time for claims made against such directors and officers arising from any act, error or omission by such directors and officers existing or occurring at or prior to the Effective Time of not
                less than the existing coverage under, and have other terms at least as favorable to, the directors and officers than the directors&#8217; and officers&#8217; liability insurance coverage presently maintained by Evans (provided that NBT may substitute
                therefor policies which are not materially less advantageous than such policy or single premium tail coverage with policy limits equal to Evans&#8217;s existing coverage limits), so long as the aggregate cost is not more than 250% of the annual
                premium currently paid by Evans for such insurance (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Premium Limit</u></font>&#8221;). In the event that the Premium Limit is insufficient for such coverage, NBT shall use its
                reasonable best efforts to<font style="font-size: 10pt; font-family: 'Times New Roman';"> purchase such lesser coverage as may be obtained with such amount</font>.</font></div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">45</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The rights of indemnification and advancement as
                provided by this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font> shall not be deemed exclusive of any other rights to which the Indemnified Party may at any time be entitled under the Certificate
                of Incorporation, as amended, and the Amended and Restated Bylaws of Evans or as provided in applicable law as in effect on the date hereof (subject to change as required by law), any agreement, a vote of stockholders, a resolution of
                directors of Evans, or otherwise. In the event that an Indemnified Party, pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font>, seeks an adjudication of such person&#8217;s rights under, or
                to recover damages for breach of, this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font>, or to recover under any directors&#8217; and officers&#8217; liability insurance coverage maintained by Evans or NBT, the
                Indemnifying Party shall pay on such Indemnified Party&#8217;s behalf, any and all reasonable costs, expenses and fees (including reasonable attorneys&#8217; fees ) incurred by such Indemnified Party in such judicial adjudication, to the fullest extent
                permitted by law, only to the extent that the Indemnified Party prevails in such judicial adjudication.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If NBT or any of its successors or assigns shall
                consolidate with or merge into any other entity and shall not be the continuing or surviving entity of such consolidation or merger, or shall transfer all or substantially all of its assets to any other entity, then and in each case, proper
                provision shall be made so that the successors and assigns of NBT shall assume the obligations set forth in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font>.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.14</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Employees; Benefit Plans</u></font>.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Following the Closing Date and except to the
                extent an alternative treatment is set forth in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14</u></font>, NBT <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">may choose
                  to maintain any or all of the Evans Benefit Plans in its sole discretion, and Evans and Evans Bank shall cooperate with NBT in order to effect any plan terminations to be made as of the Effective Time as set forth in this <u>Section 5.14</u>
                  and in accordance with the terms of the applicable Evans Benefit Plans and applicable law. For the period commencing at the Effective Time and ending twelve (12) months after the Effective Time (or until the applicable Continuing
                  Employee&#8217;s earlier termination of employment), NBT shall provide, or cause to be provided, to each employee of Evans Bank who continues with the Surviving Bank as of the Closing Date (a &#8220;<u>Continuing Employee</u>&#8221;) (i) a base salary or a
                  base rate of pay at least equal to the base salary or base rate of pay provided to similarly situated employees of NBT or any Subsidiary of NBT (or until the applicable Continuing Employee&#8217;s earlier termination of employment), and (ii)
                  other benefits (other than severance or termination pay in order to avoid a duplication of benefits, if applicable) at least substantially comparable in the aggregate to the benefits provided to similarly situated employees of NBT or any
                  Subsidiary of NBT.&#160; For any Evans Benefit Plan terminated for which there is a comparable NBT Benefit Plan of general applicability, NBT shall take all commercially reasonable action so that Continuing Employees shall be entitled to
                  participate in such NBT Benefit Plan to the same extent as similarly-situated employees NBT (it being understood that inclusion of the employees of Evans and Evans Bank in the NBT Benefit Plans may occur at different times with respect to
                  different plans).&#160; NBT shall cause each NBT Benefit Plan in which Continuing Employees are eligible to participate to take into account for purposes of eligibility and vesting under the NBT Benefit Plans (but not for purposes of benefit
                  accrual) the service of such employees with Evans or Evans Bank to the same extent as such service was credited for such purpose by Evans or Evans Bank; </font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic; color: #000000;">provided</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">, </font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic; color: #000000;">however</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">, that such service shall not be recognized to the extent that such recognition would result in a duplication of benefits or retroactive application. Nothing herein
                  shall limit the ability of NBT to amend or terminate any of the Evans Benefit Plans or NBT Benefit Plans in accordance with their terms at any time.</font>&#160; Following the Closing Date, NBT shall honor, in accordance with Evans&#8217;s policies
                and procedures in effect as of the date hereof, any employee expense reimbursement obligations of Evans for out-of-pocket expenses incurred during the calendar year in which the Closing occurs by any Continuing Employee and all accrued but
                unused vacation credited to any Continuing Employee under Evans Benefit Plans.</font></div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">46</font></div>
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            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14(a)</u></font>, prior to the Closing Date, (i) Evans or Evans Bank, as applicable, shall take all actions necessary to terminate the Evans Bancorp, Inc. Executive
                Severance Plan and Evans Bank Change in Control Severance Plan (together, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Bank Severance Plan</u></font>&#8221;), and to adopt written resolutions, the form and
                substance of which shall be reasonably satisfactory to NBT, to terminate such Evans Bank Severance Plan, and (ii) if requested by NBT in writing not less than forty-five (45) days prior to the Closing Date, Evans or Evans Bank, as
                applicable, shall take all actions necessary to cease contributions to and terminate each Evans Benefit Plan that is intended to qualify under Code Section 401(k) (each, a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans






                  </u><u>401(k) Plan</u></font>&#8221;), and to adopt written resolutions, the form and substance of which shall be reasonably satisfactory to NBT, to terminate such Evans 401(k) Plan; provided, however, that such termination may be made
                contingent upon the consummation of the transactions contemplated by this Agreement. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">In such event, NBT shall take any and all actions as may be required to
                  permit Continuing Employees to participate in a </font>NBT Benefit Plan that is intended to qualify under Code Section 401(k) (an &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>NBT </u><u>401(k) Plan</u>&#8221;)






                  immediately following the Closing Date and to permit Continuing Employees to roll over their account balances in the Evans 401(k) Plan, including any participant loans under the Evans 401(k) Plan, into the NBT 401(k) Plan. If requested by
                  NBT in writing at any time following the date of this Agreement, Evans or Evans Bank, as applicable, shall initiate the process to terminate its tax-qualified defined benefit pension plan, with such termination effective as soon as
                  practicable after the Effective Time, and Evans shall keep NBT informed regarding the progress and status of the termination process.</font></font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If employees of Evans or Evans Bank become
                eligible to participate in a medical, dental, vision, prescription drug, disability plan or life insurance plan of NBT upon termination of such plan of Evans or Evans Bank, NBT shall use all commercially reasonable efforts to cause each
                such plan to (i) waive any preexisting condition limitations to the extent such conditions are covered under the applicable NBT Benefit Plan, (ii) provide credit under such plans for any deductible, co-payment and out-of-pocket expenses
                incurred by the employees and their beneficiaries during the portion of the calendar year prior to such participation and (iii) waive any waiting period limitation, actively-at-work requirement or evidence of insurability requirement which
                would otherwise be applicable to such employee on or after the Effective Time, in each case to the extent such employee had satisfied any similar limitation or requirement under an analogous Evans Benefit Plan prior to the Effective Time;
                provided, however, NBT shall not cause any coverage of a Continuing Employee or such Continuing Employee&#8217;s dependents to terminate under any Evans Benefit Plan which is a health or welfare plan prior to the time such Continuing Employees or
                such Continuing Employee&#8217;s dependents, as applicable, have been offered participation in the health and welfare plans common to all employees of NBT and their dependents, except in the case of a termination of employment or other service.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">From and after the Effective Time, NBT agrees to
                honor all obligations under the employment agreements, change in control agreements, supplemental executive retirement plans, and similar arrangements as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans
                    Disclosure Schedule 5.14(d)</u></font>.&#160; NBT shall assume and honor all Evans Benefit Plans listed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.14(d)</u></font> in accordance with
                their terms.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 5.14(d)</u></font> sets forth the names of all participants, the value of each participant&#8217;s account balance and the amount of each
                lump sum or installment payment under the applicable non-qualified deferred compensation plan.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">NBT agrees to pay to each employee of Evans or
                Evans Bank that is not covered by a written employment or severance agreement and is terminated by NBT or any of its Subsidiaries, without cause, within six (6) months following the Effective Time, a severance payment equal to two (2) weeks
                of his or her then current base salary multiplied by the number of total completed years of service with Evans or Evans Bank; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that for vice presidents and above, severance payment shall equal twenty-six (26) weeks of his or her base salary and for all other employees,
                the minimum severance payment shall equal not less than twelve (12) weeks of his or her base salary and the maximum severance payment shall not exceed twenty-six (26) weeks of his or her base salary; and <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided further</font>, that such employee enters into a release of claims in a form reasonably satisfactory to NBT and that such employee does not voluntarily leave employment with
                Evans or Evans Bank prior to the Effective Time.</font></div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">47</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">To the extent necessary, NBT and Evans may
                provide a retention pool as mutually agreed by NBT and Evans to enable NBT and Evans to provide retention incentives to certain employees of Evans or Evans Bank who are not covered by a written employment agreement, the recipients and
                amounts to be mutually determined by NBT and Evans.&#160; Such retention incentives will be in addition to, and not in lieu of, any severance payment, including the amount that may be paid pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14(e)</u></font>.&#160; Such designated employees will enter into retention agreements to be provided by Evans and reasonably acceptable to NBT.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding anything in this Agreement to the contrary, NBT shall honor and agree to not terminate the Evans Benefit Plans set forth on <u>Evans Disclosure Schedule 5.14(g)</u> and the parties agree that the
                  benefits under such Evans Benefit Plans shall be paid out in accordance with the terms and conditions of such Evans Benefit Plans;&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font><font style="font-size: 10pt; font-family: 'Times New Roman';">, that Evans or Evans Bank, as applicable, shall take all actions necessary to cease all participant contributions to all such plans following the Closing Date,subject to compliance
                  with Section 409A of the Code, the terms and conditions of such plans and applicable law.</font></font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Nothing contained in this Agreement, expressed
                or implied, shall (i) give any person, other than the parties hereto, any rights or remedies of any nature whatsoever, including any right to continued employment or service, under or by reason of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14</u></font>, (ii) cause any third party beneficiary rights in any current or former employee, director, other individual service provider of Evans or any of its Subsidiaries to enforce the
                provisions of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14</u></font> or any other matter related thereto, or (iii) be construed as an amendment to any Evans Benefit Plan, NBT Benefit Plan, or other
                employee benefit plan of NBT, NBT Bank, Evans or any of their respective Affiliates, or be construed to prohibit the amendment or termination of any such plan.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If requested by NBT, Evans shall take all such
                actions as NBT may request in order to fully and timely comply with any and all requirements of the WARN Act, including providing notices to employees of Evans or any Subsidiary of Evans.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.15</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Notification of Certain Changes</u></font>.&#160; Each of NBT and Evans shall promptly advise the other party of any change or event having, or which could be reasonably expected to have, a Material Adverse Effect on it or
              which it believes would, or which could reasonably be expected to, cause or constitute a material breach of any of its representations, warranties or covenants contained herein.&#160; From time to time prior to the Effective Time, but no more
              frequently than monthly (and no later than the date prior to the Closing Date), each party will supplement or amend its Disclosure Schedules delivered in connection with the execution of this Agreement to reflect any matter which, if
              existing, occurring or known at the date of this Agreement, would have been required to be set forth or described in such Disclosure Schedules or which is necessary to correct any information in such Disclosure Schedules which has been
              rendered inaccurate thereby.&#160; No supplement or amendment to such Disclosure Schedules shall have any effect for the purpose of determining the accuracy of the representations and warranties of the parties contained in Article III and Article
              IV in order to determine the fulfillment of the conditions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.02(a)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section






                  6.03(a)</u></font> hereof, as the case may be, or the compliance by Evans or NBT, as the case may be, with the respective covenants and agreements of such parties contained herein.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.16</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Current Information</u></font>.&#160; During the period from the date of this Agreement to the Effective Time, Evans will cause one or more of its designated representatives to confer on a regular and frequent basis with
              representatives of NBT and to report the general status of the ongoing operations of Evans.&#160; Without limiting the foregoing, Evans agrees to provide NBT a copy of each report filed by Evans with a Governmental Authority within one (1)
              Business Day following the filing thereof.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">48</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.17</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Board Packages</u></font>.&#160; Evans shall distribute a copy of each Evans Board package, including the agenda and any draft minutes, to NBT at the same time and in the same manner in which it distributes a copy of such
              packages to the Evans Board; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that Evans shall not be required to copy NBT on any documents that disclose confidential discussions of
              this Agreement or the transactions contemplated hereby or any third party proposal to acquire control of Evans or any other matter that the Evans Board has been advised of by counsel that such distribution to NBT may violate a confidentiality
              obligation, any material legal privilege or fiduciary duty or any law or regulation.</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.18</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Transition; Informational Systems Conversion</u></font>.&#160; From and after the date hereof, NBT and Evans shall each use their reasonable best efforts to facilitate the integration of Evans with the business of NBT
              following consummation of the transactions contemplated by this Agreement, and shall meet on a regular basis to discuss and plan for the conversion of Evans&#8217;s data processing and related electronic informational systems (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Informational Systems Conversion</u></font>&#8221;) to those used by NBT and its Subsidiaries, which planning shall include, but not be limited to: (a) discussion of Evans&#8217;s third-party
              service provider arrangements; (b) non-renewal of personal property leases and software licenses used by Evans in connection with its systems operations; (c) retention of outside consultants and additional employees to assist with the
              conversion; (d) outsourcing, as appropriate, of proprietary or self-provided system services; and (e) any other actions necessary and appropriate to facilitate the conversion, as soon as practicable following the Effective Time.&#160; If this
              Agreement is terminated by NBT and/or Evans in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(a)</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(c)</u></font>,
              or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(f)</u></font>, or by Evans only in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(d)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(e)</u></font>, NBT shall pay to Evans all reasonable fees, expenses or charges related to reversing the Informational Systems Conversion within ten (10) Business Days
              of Evans providing NBT written evidence of such fees, expenses or charges.</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.19</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Assumption of Debt</u></font>. NBT agrees to execute and deliver, or cause to be executed and delivered, by or on behalf of the Surviving Corporation, at or prior to the Effective Time, one or more supplemental
              indentures, guarantees, and other instruments required for the due assumption of the Evans&#8217;s outstanding debt, guarantees, securities, and other agreements to the extent required by the terms of such debt, guarantees, securities, and other
              agreements.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.20</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Section 16 Matters</u></font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Prior to the Effective Time, each of the Evans Board and the NBT Board, or a committee of non-employee
                directors thereof (as such term is defined for purposes of Rule 16b-3(d) under the Exchange Act), shall take all such reasonable action as may be required to cause to be exempt from liability pursuant to Rule 16b-3 under the Exchange Act,
                to the fullest extent permitted by applicable law, any acquisitions or dispositions of shares of Evans Stock and NBT Stock (including derivative securities with respect to such shares) that are treated as acquisitions or dispositions under
                such rule and result from the transactions contemplated by this Agreement by officers and directors of Evans subject to the reporting requirements of Section 16(a) of the Exchange Act or by each individual who is reasonably expected to
                become subject to the reporting requirements of Section 16(a) of the Exchange Act with respect to NBT immediately after the Effective Time</font>.</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.21</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>NBT Bank Advisory Boards</u></font>. Promptly following the <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Effective Time, NBT Bank shall invite the directors of Evans who are
                members of the Evans Board immediately prior to the Effective Time, other than the New Board Member, to join a Western New York and Finger Lakes Region Advisory Board of NBT Bank; </font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic; color: rgb(0, 0, 0);">provided</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> that any director of Evans invited to join the Western New York and Finger Lakes
                Region Advisory Board must meet the applicable qualifications of such advisory board in order to join.</font></div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">49</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.22</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Community Matters</u></font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">NBT agrees to support Evans&#8217;s and Evans Bank&#8217;s current and pending community matters support commitments and
                after the Effective Time shall provide annual community support in Evans&#8217;s and Evans Bank&#8217;s current market areas in an amount equal to or greater than the level of support provided by Evans and/or Evans Bank as of the date hereof, as set
                forth on <u>Evans Disclosure Schedule 5.22</u></font>.</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.23</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Tax Representation Letters</u></font>. NBT and Evans each agree to (i) use their reasonable best efforts to obtain or cause to be provided, as appropriate, the opinions of counsel referred to in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(e)</u></font> and (ii) deliver to Hogan Lovells US LLP and Luse Gorman PC, or other counsel described in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section
                  6.01(e)</u></font>, a tax representation letter, dated as of the date of the Effective Time (and, if required, as of the effective date of the Form S-4) and signed by an officer of NBT and Evans, respectively, containing customary
              representations of NBT and Evans as shall be reasonably necessary or appropriate to enable Hogan Lovells US LLP and Luse Gorman PC, or such other counsel described in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section
                  6.01(e)</u></font>, to render the opinion described in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(e)</u></font> on the date of the Effective Time (and, if required, on the effective date of the Form
              S-4).</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VI</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CONDITIONS TO CONSUMMATION OF THE MERGER</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Conditions to Obligations of the Parties to Effect the Merger</u></font>.&#160; The respective obligations of Evans and NBT to consummate the Merger are subject to the fulfillment or, to the extent permitted by applicable
              law, written waiver by the parties hereto prior to the Closing Date of each of the following conditions:</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Regulatory Approvals</u></font>.&#160; All Regulatory Approvals shall have been obtained and shall remain in full force and effect, any requirements contained in the Regulatory Approvals to be completed on or before the
                Closing Date shall have been completed, and all statutory waiting periods in respect thereof shall have expired or been terminated. No Regulatory Approvals referred to in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section






                    6.01(a)</u></font> shall contain any condition, restriction or requirement which the NBT Board, on the one hand, or the Evans Board, on the other hand, reasonably determines in good faith would, individually or in the aggregate,
                materially reduce the benefits of the Merger to such a degree that NBT, on the one hand, or Evans, on the other hand, would not have entered into this Agreement had such condition, restriction or requirement been known at the date hereof.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Registration Statement Effective</u></font>.&#160; The Merger Registration Statement shall have been declared effective by the SEC and no stop order with respect thereto shall be in effect.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NASDAQ Listing</u></font>.&#160; The shares of NBT Stock issuable pursuant to this Agreement shall have been approved for listing on NASDAQ, subject to official notice of issuance.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Injunctions or Restraints; Illegality</u></font>.&#160; No judgment, order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraint or prohibition preventing the
                consummation of any of the transactions contemplated by this Agreement shall be in effect.&#160; No statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by any Governmental Authority
                that prohibits or makes illegal the consummation of any of such transactions.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax Opinions</u></font>.&#160; NBT shall have received a letter setting forth the written opinion of Hogan Lovells US LLP (or such other counsel reasonably acceptable to Evans) in and form and substance reasonably
                satisfactory to NBT, dated as of the Closing Date, and Evans shall have received a letter setting forth the written opinion of Luse Gorman, PC (or such other counsel reasonably acceptable to NBT) in form and substance reasonably
                satisfactory to Evans, dated as of the Closing Date, in each case substantially to the effect that, on the basis of the facts, representations and assumptions set forth in such letter, the Merger will constitute a tax free reorganization
                described in Section 368(a) of the Code.</font></div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">50</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shareholder Approval</u></font>.&#160; This Agreement shall have been duly approved by the requisite vote of the holders of outstanding shares of Evans Stock.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Conditions to Obligations of NBT</u></font>.&#160; The obligations of NBT to consummate the Merger also are subject to the fulfillment or written waiver by NBT prior to the Closing Date of each of the following conditions:</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of Evans and Evans Bank set forth in this Agreement shall be true and correct in all material respects as of the date of this Agreement
                and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that for purposes of this paragraph, such representations and warranties shall be deemed to be true and correct in all material respects unless the failure or failures of such representations and
                warranties to be so true and correct, either individually or in the aggregate, will have or are reasonably likely to have a Material Adverse Effect on Evans or the Surviving Corporation.&#160; NBT shall have received a certificate, dated the
                Closing Date, signed on behalf of Evans by the Chief Executive Officer of Evans to such effect.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Performance of Obligations of Evans</u></font>.&#160; Evans and Evans Bank shall have performed in all material respects all obligations required to be performed by it under this Agreement at or prior to the Closing
                Date, and NBT shall have received a certificate, dated the Closing Date, signed on behalf of Evans by the Chief Executive Officer of Evans to such effect.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Voting Agreements</u></font>.&#160; The Voting Agreements shall have been executed and delivered by each director and certain executive officers set forth on the <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Disclosure Schedule 6.02(c)</u></font> concurrently with Evans&#8217;s execution and delivery of this Agreement and shall remain in effect and not have been revoked as of the Effective Time.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Other Actions</u></font>.&#160; Evans shall have furnished NBT with such certificates of its officers or others and such other documents to evidence fulfillment of the conditions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.02</u></font> as NBT may reasonably request.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Conditions to Obligations of Evans</u></font>.&#160; The obligations of Evans to consummate the Merger also are subject to the fulfillment or written waiver by Evans prior to the Closing Date of each of the following
              conditions:</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of NBT set forth in this Agreement shall be true and correct in all material respects as of the date of this Agreement and (except to
                the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided,
                  however</font>, that for purposes of this paragraph, such representations and warranties shall be deemed to be true and correct in all material respects unless the failure or failures of such representations and warranties to be so true
                and correct, either individually or in the aggregate, will have or are reasonably likely to have a Material Adverse Effect on NBT.&#160; Evans shall have received a certificate, dated the Closing Date, signed on behalf of NBT by the Chief
                Executive Officer and the Chief Financial Officer of NBT to such effect.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Performance of Obligations of NBT</u></font>.&#160; NBT and NBT Bank shall have performed in all material respects all obligations required to be performed by it under this Agreement at or prior to the Closing Date, and
                Evans shall have received a certificate, dated the Closing Date, signed on behalf of NBT by the Chief Executive Officer and the Chief Financial Officer of NBT to such effect.</font></div>
            <div>&#160;</div>
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              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">51</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Other Actions</u></font>.&#160; NBT shall have furnished Evans with such certificates of its respective officers or others and such other documents to evidence fulfillment of the conditions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.03</u></font> as Evans may reasonably request.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Frustration of Closing Conditions</u></font>.&#160; Neither NBT nor Evans may rely on the failure of any condition set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.02</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.03</u></font>, as the case may be, to be satisfied if such failure was
              caused by such party&#8217;s failure to use reasonable best efforts to consummate any of the transactions contemplated by this Agreement, as required by and subject to this Article VI.</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VII</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">TERMINATION</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Termination</u></font>.&#160; This Agreement may be terminated, and the transactions contemplated by this Agreement may be abandoned:</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Mutual Consent</u></font>.&#160; At any time prior to the Effective Time, by the mutual consent of NBT and Evans.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Regulatory Approval</u></font>.&#160; By NBT or Evans, in the event the approval of any Governmental Authority required for consummation of the transactions contemplated by this Agreement shall have been denied by
                final, nonappealable action by such Governmental Authority or an application therefor shall have been permanently withdrawn at the request of a Governmental Authority.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shareholder Approval</u></font>.&#160; By either NBT or Evans (provided that if Evans is the terminating party it shall not be in material breach of any of its obligations under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.04</u></font>), if the approval of the shareholders required to satisfy the condition set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(f)</u></font>
                for the consummation of the transactions contemplated by this Agreement shall not have been obtained by reason of the failure to obtain the required vote at a duly held meeting of such Evans shareholders, or at any adjournment or
                postponement of the Evans Meeting.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Breach of Representations and Warranties</u></font>.&#160; By either NBT or Evans (provided that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained
                herein) if there shall have been a material breach of any of the representations or warranties set forth in this Agreement by the other party, which breach is not cured within thirty (30) days following written notice to the party
                committing such breach, or which breach, by its nature, cannot be cured prior to the Closing; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that neither party shall have the
                right to terminate this Agreement pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(d)</u></font> unless the breach of representation or warranty, together with all other such breaches, would
                entitle the party receiving such representation or warranty not to consummate the Merger under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.02(a)</u></font> (in the case of a breach of a representation or
                warranty by Evans or Evans Bank) or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.03(a)</u></font> (in the case of a breach of a representation or warranty by NBT).</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Breach of Covenants</u></font>.&#160; By either NBT or Evans (provided that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained herein) if there
                shall have been a material breach of any of the covenants or agreements set forth in this Agreement on the part of the other party, which breach shall not have been cured within thirty (30) days following receipt by the breaching party of
                written notice of such breach from the other party hereto, or which breach, by its nature, cannot be cured prior to the Closing, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>,
                that neither party shall have the right to terminate this Agreement pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(e)</u></font> unless the breach of covenant or agreement, together with all
                other such breaches, would entitle the party receiving the benefit of such covenant or agreement not to consummate the Merger under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.02(b)</u></font> (in the case
                of a breach of a covenant or agreement by Evans or Evans Bank) or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.03(b)</u></font> (in the case of a breach of a representation or warranty by NBT).</font></div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">52</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Delay</u></font>.&#160; By either NBT or Evans if the Merger shall not have been consummated on or before September 15, 2025, unless the failure of the Closing to occur by such date shall be due to a material breach of
                this Agreement by the party seeking to terminate this Agreement.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Failure to Recommend; Third-Party Acquisition Transaction; Etc</u></font>.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">By NBT, if (i) Evans shall
                have breached its obligations under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11</u></font>, (ii) the Evans Board shall have failed to make its recommendation referred to in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.04</u></font>, withdrawn such recommendation or modified or changed such recommendation in a manner adverse in any respect to the interests of NBT, (iii) the Evans Board shall have
                recommended, proposed, or publicly announced its intention to recommend or propose, to engage in an Acquisition Transaction with any Person other than NBT or a Subsidiary of NBT or (iv) Evans shall have materially breached its obligations
                under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.04</u></font> by failing to call, give notice of, convene and hold the Evans Meeting in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.04</u></font>.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">By Evans, subject to Evans&#8217;s
                compliance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02(a)</u></font> if Evans has received an Acquisition Proposal, and in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11</u></font> of this Agreement, the Evans Board has made a determination that such Acquisition Proposal is a Superior Proposal and has determined to accept such Superior Proposal.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Termination Fee</u></font>.&#160; In recognition of the efforts, expenses and other opportunities foregone by NBT while structuring and pursuing the Merger, the parties hereto agree that Evans shall pay to NBT a termination
              fee of $8,400,000 within three (3) Business Days after written demand for payment is made by NBT, following the occurrence of any of the events set forth below:</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">NBT or Evans terminates this Agreement pursuant
                to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(g)</u></font>; or</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Evans or Evans Bank enters into a definitive
                agreement relating to an Acquisition Proposal or the consummation of an Acquisition Proposal involving Evans or Evans Bank within twelve (12) months following the termination of this Agreement by NBT pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(d)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(e)</u></font> because of a Willful Breach by Evans or Evans Bank after an Acquisition
                Proposal has been publicly announced or otherwise made known to Evans.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The amount payable by Evans pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font> constitutes liquidated damages and not a penalty and shall be the sole monetary remedy of NBT in the event of a termination due to breach of this
                Agreement in the circumstances specified in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font>.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Effect of Termination and Abandonment</u></font>.&#160; In the event of termination of this Agreement and the abandonment of the Merger pursuant to this Article VII, no party to this Agreement shall have any liability or
              further obligation to any other party hereunder except (i) as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section






                  8.01</u></font> and (ii) other than a termination that results in a payment in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font>, that termination will not relieve a breaching party
              from liability for money damages for any Willful Breach of any covenant, agreement, representation or warranty of this Agreement giving rise to such termination.&#160; Nothing in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section






                  7.02</u></font> or this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.03</u></font> shall be deemed to preclude either party from seeking specific performance in equity to enforce the terms of this
              Agreement.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">53</font></div>
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            </div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VIII</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">MISCELLANEOUS</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Survival</u></font>.&#160; No representations, warranties, agreements and covenants contained in this Agreement shall survive the Effective Time (other than agreements or covenants contained herein that by their express
              terms are to be performed after the Effective Time) or the termination of this Agreement if this Agreement is terminated prior to the Effective Time (other than <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section
                  5.10(b)</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font> and this Article VIII, which shall survive any such termination).&#160; Notwithstanding anything in the foregoing to the contrary,
              no representations, warranties, agreements and covenants contained in this Agreement shall be deemed to be terminated or extinguished so as to deprive a party hereto or any of its affiliates of any defense at law or in equity which otherwise
              would be available against the claims of any Person, including without limitation any shareholder or former shareholder.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Waiver; Amendment</u></font>.&#160; Prior to the Effective Time, any provision of this Agreement may be (a) waived by the party benefited by the provision to the extent permitted by applicable law or (b) amended or modified
              at any time, in either case by an agreement in writing among the parties hereto executed in the same manner as this Agreement, except that after the Evans Meeting no amendment shall be made which by law requires further approval by the
              shareholders of Evans, without obtaining such approval.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Counterparts</u></font>.&#160; This Agreement may be executed in one or more counterparts, each of which shall be deemed to constitute an original.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Governing Law and Venue</u></font>.&#160; This Agreement shall be governed by, and interpreted in accordance with, the laws of the State of Delaware, without regard for conflict of law provisions. In addition, each of the
              parties hereto (a) consents to submit itself to the personal jurisdiction of the Delaware Court of Chancery, New Castle County, or if that court does not have jurisdiction, a federal court sitting in the State of Delaware in any action or
              proceeding arising out of or relating to this Agreement or any of the transactions contemplated by this Agreement, (b) agrees that it will not attempt to deny or defeat such personal jurisdiction by motion or other request for leave from any
              such court and (c) agrees that it will not bring any action relating to this Agreement or the transactions contemplated by this Agreement in any court other the Delaware Court of Chancery, New Castle County, or if that court does not have
              jurisdiction, a federal court sitting in the State of Delaware.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Expenses</u></font>.&#160; Each party hereto will bear all expenses incurred by it in connection with this Agreement and the transactions contemplated by this Agreement, including fees and expenses of its own financial
              consultants, accountants and legal counsel, except that printing expenses and SEC filing and registration fees shall be shared equally between NBT and Evans; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided,






                however,</font> that nothing contained herein shall limit either party&#8217;s rights to recover any liabilities or damages arising out of the other party&#8217;s Willful Breach of any provision of this Agreement.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Notices</u></font>.&#160; All notices, requests and other communications hereunder to a party shall be in writing and shall be deemed given if personally delivered, mailed by registered or certified mail (return receipt
              requested) or sent by reputable courier service to such party at its address set forth below or such other address as such party may specify by notice to the parties hereto (with a copy provided to the email addresses specified below).</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">54</font></div>
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            </div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If to NBT:</div>
            <div><br>
            </div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">NBT Bancorp Inc.</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">52 South Broad Street</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Norwich, NY 13815</div>
            <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font> <font style="font-size: 10pt; font-family: 'Times New Roman';">Scott A. Kingsley</font></div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: SKingsley@nbtbank.com</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">With a copy to:</div>
            <div><br>
            </div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Hogan Lovells US LLP</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">555 Thirteenth Street, N.W.</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Washington, DC 20004</div>
            <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font> <font style="font-size: 10pt; font-family: 'Times New Roman';">Richard A. Schaberg</font></div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: richard.schaberg@hoganlovells.com</div>
            <div style="margin-left: 9pt;">&#160;</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">and</div>
            <div>&#160;</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">NBT Bancorp Inc.</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">52 South Broad Street</div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Norwich, NY 13815</div>
            <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font> <font style="font-size: 10pt; font-family: 'Times New Roman';">M. Randolph Sparks</font></div>
            <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: rsparks@nbtbci.com</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If to Evans:</div>
            <div><br>
            </div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Evans Bancorp, Inc.</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">6460 Main Street</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Williamsville, NY 14221</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Attention: David J. Nasca</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: dnasca@evansbank.com</div>
            <div style="text-align: left; margin-left: 24.5pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"> </font><br>
            </div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">With a copy to:</div>
            <div><br>
            </div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Luse Gorman, PC</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">5335 Wisconsin Avenue, N.W., Suite 780</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Washington, D.C. 20015</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Attention: John J. Gorman</div>
            <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: jgorman@luselaw.com</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Entire Understanding; No Third-Party Beneficiaries</u></font>.&#160; This Agreement (including the Disclosure Schedules), the Plan of Bank Merger, the Voting Agreements and the Confidentiality Agreement represent the entire
              understanding of the parties hereto and thereto with reference to the transactions, and this Agreement, the Plan of Bank Merger, the Voting Agreements and the Confidentiality Agreement supersede any and all other oral or written agreements
              heretofore made.&#160; Except for the Indemnified Parties&#8217; right to enforce NBT&#8217;s obligation under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font>, which are expressly intended to be for the irrevocable
              benefit of, and shall be enforceable by, each Indemnified Party and his or her heirs and representatives, nothing in this Agreement, expressed or implied, is intended to confer upon any Person, other than the parties hereto or their
              respective successors, any rights, remedies, obligations or liabilities under or by reason of this Agreement.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.08</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Severability</u></font>.&#160; In the event that any one or more provisions of this Agreement shall for any reason be held invalid, illegal or unenforceable in any respect, by any court of competent jurisdiction, such
              invalidity, illegality or unenforceability shall not affect any other provisions of this Agreement and the parties shall use their reasonable efforts to substitute a valid, legal and enforceable provision which, insofar as practical,
              implements the purposes and intents of this Agreement.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">55</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.09</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Enforcement of the Agreement</u></font>.&#160; The parties hereto agree that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms
              or were otherwise breached.&#160; It is accordingly agreed that the parties shall be entitled to seek an injunction or injunctions to prevent breaches of this Agreement and to enforce specifically the terms and provisions hereof in any court of
              the United States or any state having jurisdiction, this being in addition to any other remedy to which they are entitled at law or in equity. Each of the parties hereby further waives (a) any defense in any action for specific performance
              that a remedy at law would be adequate, and (b) any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Interpretation</u></font>.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Interpretation.</u></font> When a reference is made in this Agreement to sections, exhibits or schedules, such reference shall be to a section of, or exhibit or schedule to, this Agreement unless otherwise
                indicated.&#160; The table of contents and headings contained in this Agreement are for reference purposes only and are not part of this Agreement.&#160; Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall
                be deemed to be followed by the words &#8220;without limitation.&#8221;</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Confidential Supervisory Information</u></font>. No representation, warranty, covenant or other agreement or provision contained in this Agreement shall be deemed to contemplate or require the disclosure of
                &#8220;confidential supervisory information,&#8221; &#8220;nonpublic OCC information,&#8221; or other similar types of protected information, as such terms are defined in the regulations of any applicable &#8220;Bank Regulator&#8221; or Governmental Authority.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The term &#8220;made available&#8221; means any document or
                other information that was (a) provided by one party or its representatives to the other party and its representatives by 5:00 p.m., Eastern time, on the day immediately prior to the date of this Agreement, (b) included in the virtual data
                room of a party by 5:00 p.m., Eastern time, on the day immediately prior to the date of this Agreement, or (c) filed or furnished by a party with the SEC and publicly available on EDGAR at least one (1) day prior to the date of this
                Agreement.</font></div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.11</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Assignment</u></font>.&#160; No party may assign either this Agreement or any of its rights, interests or obligations hereunder without the prior written approval of the other party.&#160; Subject to the preceding sentence, this
              Agreement shall be binding upon and shall inure to the benefit of the parties hereto and their respective successors and permitted assigns.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.12</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Waiver of Jury Trial</u></font>.&#160; EACH PARTY HERETO HEREBY WAIVES TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM BROUGHT BY ANY OF THEM AGAINST THE OTHER ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS
              AGREEMENT, OR ANY OTHER AGREEMENTS EXECUTED IN CONNECTION HEREWITH, OR THE ADMINISTRATION THEREOF OR ANY OF THE TRANSACTIONS CONTEMPLATED HEREIN OR THEREIN. NO PARTY TO THIS AGREEMENT SHALL SEEK A JURY TRIAL IN ANY LAWSUIT, PROCEEDING,
              COUNTERCLAIM, OR ANY OTHER ACTION OR PROCEDURE BASED UPON, OR ARISING OUT OF, THIS AGREEMENT OR ANY RELATED INSTRUMENTS OR THE RELATIONSHIP BETWEEN THE PARTIES. NO PARTY WILL SEEK TO CONSOLIDATE ANY SUCH ACTION, IN WHICH A JURY TRIAL HAS BEEN
              WAIVED, WITH ANY OTHER ACTION IN WHICH A JURY TRIAL CANNOT BE OR HAS NOT BEEN WAIVED. THE PROVISIONS OF THIS SECTION HAVE BEEN FULLY DISCUSSED BY THE PARTIES HERETO, AND THESE PROVISIONS SHALL BE SUBJECT TO NO EXCEPTIONS. NO PARTY HAS IN ANY
              WAY AGREED WITH OR REPRESENTED TO ANY OTHER PARTY THAT THE PROVISIONS OF THIS SECTION WILL NOT BE FULLY ENFORCED IN ALL INSTANCES.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">56</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
                <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.13</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Electronic Transmission</u></font>.&#160; This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and
              delivered by means of a facsimile machine or by e-mail delivery of a &#8220;.pdf&#8221; format data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as
              if it were the original signed version thereof delivered in person. No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file to deliver a signature to
              this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file as a defense to the
              formation of a contract and each party hereto forever waives any such defense.</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE IX</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ADDITIONAL DEFINITIONS</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 9.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Additional Definitions</u></font>.&#160; In addition to any other definitions contained in this Agreement, the following words, terms and phrases shall have the following meanings when used in this Agreement:</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisition Proposal</u></font>&#8221; means any proposal or offer with respect to
              any of the following (other than the transactions contemplated hereunder) involving Evans or Evans Bank: (a) any merger, consolidation, share exchange, business combination or other similar transactions; (b) any sale, lease, exchange,
              mortgage, pledge, transfer or other disposition of assets and/or liabilities that constitute a substantial portion of the net revenues, net income or assets of Evans or Evans Bank in a single transaction or series of transactions; (c) any
              tender offer or exchange offer for 25% or more of the outstanding shares of its capital stock or the filing of a registration statement under the Securities Act in connection therewith; or (d) any public announcement by any Person (which
              shall include any regulatory application or notice, whether in draft or final form) of a proposal, plan or intention to do any of the foregoing or any agreement to engage in any of the foregoing.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisition Transaction</u></font>&#8221; means any of the following (other than the
              transactions contemplated hereunder): (a) a merger, consolidation, share exchange, business combination or any similar transaction, involving the relevant companies; (b) a sale, lease, exchange, mortgage, pledge, transfer or other disposition
              of assets and/or liabilities that constitute a substantial portion of the net revenues, net income or assets of the relevant companies in a single transaction or series of transactions; (c) a tender offer or exchange offer for 25% or more of
              the outstanding shares of the capital stock of the relevant companies or the filing of a registration statement under the Securities Act in connection therewith; or (d) an agreement or commitment by the relevant companies to take any action
              referenced above.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any person that
              directly, or indirectly through one or more intermediaries, controls, is controlled by, or is under common control with, such Person and, without limiting the generality of the foregoing, includes any executive officer, director, manager or
              Person who beneficially owns more than ten percent of the equity or voting securities of such Person.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Bank Regulator</u></font>&#8221; shall mean any Federal or state banking regulator,
              including but not limited to the OCC and the FRB, which regulates NBT, NBT Bank, Evans or Evans Bank, or any of their respective subsidiaries, as the case may be.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">57</font></div>
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Business Day</u></font>&#8221; means Monday through Friday of each week, except a
              legal holiday recognized as such by the U.S. government or any day on which banking institutions in the State of New York are authorized or obligated to close.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Derivative Transaction</u></font>&#8221; means any swap transaction, option,
              warrant, forward purchase or forward sale transaction, futures transaction, cap transaction, floor transaction or collar transaction relating to one or more currencies, commodities, bonds, equity securities, loans, interest rates, catastrophe
              events, weather-related events, credit&#8209;related events or conditions or any indexes, or any other similar transaction (including any option with respect to any of these transactions) or combination of any of these transactions, including
              collateralized mortgage obligations or other similar instruments or any debt or equity instruments evidencing or embedding any such types of transactions, and any related credit support, collateral or other similar arrangements related to
              such transactions.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Environmental Law</u></font>&#8221; means any federal, state or local law,
              regulation, order, decree, permit, authorization, opinion or agency requirement relating to: (a) the protection or restoration of the environment, health, safety, or natural resources, (b) the handling, use, presence, disposal, release or
              threatened release of any Hazardous Substance or (c) wetlands, indoor air, pollution, contamination or any injury or threat of injury to persons or property in connection with any Hazardous Substance, in each case as amended and as now in
              effect.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>ERISA</u></font>&#8221; means the Employee Retirement Income Security Act of 1974,
              as amended.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Bank Board</u></font>&#8221; means the Board of Directors of Evans Bank.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Board</u></font>&#8221; means the Board of Directors of Evans.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Disclosure Schedule</u></font>&#8221; means the disclosure schedule delivered
              by Evans to NBT on or prior to the date hereof setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express provision of this Agreement or as an exception to one or more of its
              representations and warranties in Article III or its covenants in Article V (<font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that (i) any information set forth in any one section of the Evans
              Disclosure Schedule shall be deemed to apply to each other applicable Section or subsection of such Evans Disclosure Schedule if its relevance to the information called for in such Section or subsection is reasonably apparent on its face and
              (ii) the mere inclusion of an item in the Evans Disclosure Schedule shall not be deemed an admission by Evans that such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to
              result in a Material Adverse Effect on Evans).</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Equity Plan</u></font>&#8221; means, individually and collectively, the Evans
              Bancorp, Inc. 2019 Long-Term Equity Incentive Plan and any other equity incentive plans or arrangements pursuant to which Evans has or may have any obligation.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Financial Statements</u></font>&#8221; means (i) the audited balance sheets
              (including related notes and schedules, if any) of Evans as of December 31, 2023 and 2022, and the related statements of income, stockholders&#8217; equity and cash flows (including related notes and schedules, if any) of Evans for each of the
              fiscal years ended December 31, 2023 and 2022, in each case accompanied by the audit report of Crowe LLP, the independent registered public accounting firm of Evans, and (ii) the unaudited interim financial statements of Evans as of the end
              of and for the period ending each calendar quarter following December 31, 2023, as filed by Evans in the Evans SEC Documents.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Intellectual Property</u></font>&#8221; means the Intellectual Property used
              in or held for use in the conduct of the business of Evans or any of its Subsidiaries.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">58</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Loan Property</u></font>&#8221; means any property in which Evans holds a
              security interest, and, where required by the context (as a result of foreclosure), said term includes any property owned or operated by Evans.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans RSUs</u></font>&#8221; means Evans Performance-Based RSUs and Evans Time-Based
              RSUs.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exchange Act</u></font>&#8221; means the Securities Exchange Act of 1934, as
              amended, and the rules and regulations thereunder.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exchange Agent</u></font>&#8221; means such exchange agent as may be designated by
              NBT and reasonably acceptable to Evans to act as agent for purposes of conducting the exchange procedures described in Article II.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FDIC</u></font>&#8221; means the Federal Deposit Insurance Corporation.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FHLBNY</u></font>&#8221; means the Federal Home Loan Bank of New York, or any
              successor thereto.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FRB</u></font>&#8221; means the Board of Governors of the Federal Reserve System.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>GAAP</u></font>&#8221; means accounting principles generally accepted in the United
              States of America.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Governmental Authority</u></font>&#8221; means any federal, state or local court,
              administrative agency or commission or other governmental authority or instrumentality.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Hazardous Substance</u></font>&#8221; means any and all substances (whether solid,
              liquid or gas) defined, currently or hereafter listed, or otherwise classified as pollutants, hazardous wastes, hazardous substances, hazardous materials, extremely hazardous wastes, or words of similar meaning or regulatory effect under any
              present Environmental Laws, including but not limited to petroleum and petroleum products, asbestos and asbestos-containing materials, polychlorinated biphenyls, lead, radon, radioactive materials, flammables and explosives, mold, mycotoxins,
              microbial matter and airborne pathogens (naturally occurring or otherwise), but excluding substances of kinds and in amounts ordinarily and customarily used or stored in similar properties for the purposes of cleaning or other maintenance or
              operations.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Intellectual Property</u></font>&#8221; means (a) trademarks, service marks, trade
              names, Internet domain names, designs, logos, slogans, and general intangibles of like nature, together with all goodwill associated therewith, registrations and applications related to the foregoing; (b) patents and industrial designs
              (including any continuations, divisionals, continuations-in-part, renewals, reissues, and applications for any of the foregoing); (c) copyrights (including any registrations and applications for any of the foregoing); (d) Software; and (e)
              technology, trade secrets and other confidential information, know-how, proprietary processes, formulae, algorithms, models, and methodologies.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>IRS</u></font>&#8221; means the Internal Revenue Service.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Knowledge</u></font>&#8221; as used with respect to a Person (including references
              to such Person being aware of a particular matter) means the actual knowledge after reasonable inquiry of the President and Chief Executive Officer, the Chief Financial Officer, the Chief Lending Officer, or the Chief Risk Officer, in the
              case of Evans, and the President and Chief Executive Officer, the Chief Financial Officer, the General Counsel or the Chief Risk Officer, in the case of NBT.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Lien</u></font>&#8221; means, with respect to any asset, (a) any mortgage, deed of
              trust, lien, pledge, hypothecation, encumbrance, charge or security interest in, on or of such asset, (b) the interest of a vendor or a lessor under any conditional sale agreement, capital lease or title retention agreement relating to such
              asset and (c) in the case of securities, any purchase option, call or preemptive right, right of first refusal or similar right of a third party with respect to such securities.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">59</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
                <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Material Adverse Effect</u></font>&#8221; means, with respect to NBT or Evans,
              respectively, any effect that (i) is material and adverse to the financial condition, results of operations or business of NBT and its Subsidiaries taken as a whole, or Evans and its Subsidiaries taken as a whole, respectively, or (ii)
              materially impairs the ability of either NBT or NBT Bank, on the one hand, or Evans or Evans Bank, on the other hand, to perform its obligations under this Agreement or otherwise materially threaten or materially impede the consummation of
              the transactions contemplated by this Agreement; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that &#8220;Material Adverse Effect&#8221; shall not be deemed to include the impact of (A) changes,
              after the date hereof, in GAAP or applicable regulatory accounting requirements, (B) changes, after the date hereof, in laws, rules or regulations of general applicability to financial institutions and/or their holding companies, or
              interpretations thereof by courts or any Bank Regulator or Governmental Authorities, (C) changes, after the date hereof, in global, national or regional political conditions (including the outbreak of war or acts of terrorism) or in economic
              or market (including equity, credit and debt markets, as well as changes in interest rates) conditions affecting the financial services industry generally and not specifically relating to such party or its Subsidiaries (including any such
              changes arising out of the Pandemic or any Pandemic Measures), (D) changes, a<font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">fter the date hereof, resulting from hurricanes, earthquakes, tornados, floods or
                other natural disasters or from any outbreak of any disease or other public health event (including the Pandemic), (E) public</font> disclosure of the execution of this Agreement, public disclosure or consummation of the transactions
              contemplated hereby (including any effect on a party&#8217;s relationships with its customers or employees) or actions expressly required by this Agreement or actions or omissions that are taken with the prior written consent of the other party in
              contemplation of the transactions contemplated hereby, (F) a decline in the trading price of a party&#8217;s common stock or the failure, in and of itself, to meet earnings projections or internal financial forecasts (it being understood that the
              underlying cause of such decline or failure may be taken into account in determining whether a Material Adverse Effect has occurred), (G) actions and omissions of either party taken with the prior written consent, or at the request, of the
              other, or (H) the expenses incurred by either party in investigating, negotiating, documenting, effecting and consummating the transactions contemplated by this Agreement; except, with respect to subclauses (A), (B), or (C), to the extent
              that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries, taken as a whole, as compared to
              other companies in the financial services industry.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NASDAQ</u></font>&#8221; means The NASDAQ Stock Market LLC.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Bank Board</u></font>&#8221; means the Board of Directors of NBT Bank.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Board</u></font>&#8221; means the Board of Directors of NBT.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure Schedule</u></font>&#8221; means the disclosure schedule delivered by
              NBT to Evans on or prior to the date hereof setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express provision of this Agreement or as an exception to one or more of its
              representations and warranties in Article IV or its covenants in Article V (<font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that (i) any information set forth in any one section of the NBT
              Disclosure Schedule shall be deemed to apply to each other applicable Section or subsection of such NBT Disclosure Schedule if its relevance to the information called for in such Section or subsection is reasonably apparent on its face and
              (ii) the mere inclusion of an item in the NBT Disclosure Schedule shall not be deemed an admission by NBT that such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to result
              in a Material Adverse Effect on NBT).</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">60</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
                <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Stock</u></font>&#8221; means the common stock, par value $0.01 per share, of
              NBT.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NYSE</u></font>&#8221; means the New York Stock Exchange.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>OCC</u></font>&#8221; means the Office of the Comptroller of the Currency.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Pandemic</u></font>&#8221; means any outbreaks, epidemics or pandemics relating to
              SARS-CoV-2 or Covid-19, or any variants, evolutions or mutations thereof, or any other viruses (including influenza), and the governmental and other responses thereto.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Pandemic Measures</u></font>&#8221; means any quarantine, &#8220;shelter in place,&#8221; &#8220;stay
              at home,&#8221; workforce reduction, social distancing, shutdown, closure, sequester or other laws, directives, policies, guidelines or recommendations promulgated by any Governmental Authority, including the Centers for Disease Control and
              Prevention and the World Health Organization, in each case, in connection with or in response to a Pandemic.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Per Share Consideration</u></font>&#8221; means the product of (a) the Exchange
              Ratio and (b) the NBT Measurement Price.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Person</u></font>&#8221; means any individual, bank, corporation, partnership,
              association, joint-stock company, business trust, limited liability company, unincorporated organization or other organization or firm of any kind or nature.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Proxy Statement/Prospectus</u></font>&#8221; means the proxy statement and
              prospectus, satisfying all applicable requirements of applicable state securities and banking laws, and of the Securities Act, and the rules and regulations thereunder, together with any amendments and supplements thereto, as prepared by NBT
              and Evans and as delivered to holders of Evans Stock in connection with the solicitation of their approval of this Agreement.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Rights</u></font>&#8221; means, with respect to any Person, warrants, options,
              rights, convertible securities and other arrangements or commitments which obligate the Person to issue or dispose of any of its capital stock or other ownership interests or any stock appreciation, phantom stock or similar rights with
              respect to such capital stock or other ownership interests.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Securities Act</u></font>&#8221; means the Securities Act of 1933, as amended, and
              the rules and regulations promulgated thereunder.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Software</u></font>&#8221; means computer programs, whether in source code or object
              code form (including any and all software implementation of algorithms, models and methodologies), databases and compilations (including any and all data and collections of data), and all documentation (including user manuals and training
              materials) related to the foregoing.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Subsidiary</u></font>&#8221; means, with respect to any party, any corporation or
              other entity of which a majority of the capital stock or other ownership interest having ordinary voting power to elect a majority of the board of directors or other persons performing similar functions are at the time directly or indirectly
              owned by such party.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">61</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Superior Proposal</u></font>&#8221; means any bona fide written proposal made by a
              third party to acquire, directly or indirectly, including pursuant to a tender offer, exchange offer, merger, consolidation, business combination, recapitalization, liquidation, dissolution or similar transaction, for consideration consisting
              of cash and/or securities, more than 25% of the combined voting power of the shares of Evans Stock then outstanding or all or substantially all of the assets of Evans and otherwise (a) on terms which the Evans Board determines in good faith,
              after consultation with its financial advisor, to be more favorable from a financial point of view to Evans&#8217;s shareholders than the transactions contemplated by this Agreement, and (b) that constitutes a transaction that, in the Evans Board&#8217;s
              good faith judgment, is reasonably likely to be consummated on the terms set forth, taking into account all legal, financial, regulatory and other aspects of such proposal.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax</u></font>&#8221; and &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Taxes</u></font>&#8221; mean all federal, state, local or foreign income, gross income, gains, gross receipts, sales, use, ad valorem, goods and services, capital, production, transfer, franchise, windfall profits, license,
              withholding, payroll, employment, disability, employer health, excise, estimated, severance, stamp, occupation, property, environmental, custom duties, unemployment or other taxes of any kind whatsoever, together with any interest, additions
              or penalties thereto and any interest in respect of such interest and penalties.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax Returns</u></font>&#8221; means any return, declaration or other report
              (including elections, declarations, schedules, estimates and information returns) with respect to any Taxes.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>WARN Act</u></font>&#8221; means the federal Worker Adjustment and Retraining
              Notification Act of 1988, as amended, any state law analogs or statutes of similar effect, including any statutes that require advance notice of plant closings, mass layoffs or similar group personnel or employment actions.</div>
            <div>&#160;</div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Willful Breach</u></font>&#8221; means a deliberate act or a deliberate failure to
              act, taken or not taken if the Person reasonably should have known or had actual Knowledge that such act or failure to act would result in or constitute a material breach of this Agreement, regardless of whether breaching was the object of
              the act or failure to act.</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">(Remainder of page intentionally left blank.)</div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;"> <br>
            </div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">62</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">IN WITNESS WHEREOF</font>, the parties hereto have caused this
              Agreement to be executed in counterparts by their duly authorized officers, all as of the day and year first above written.</div>
            <div>&#160;</div>
            <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z3ab7da811be344df94ff94adac94bf1e">

                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td colspan="2" style="vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANCORP INC.</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: middle;">&#160;</td>
                  <td style="width: 45%; vertical-align: middle;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
                  </td>
                  <td style="width: 45%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ Scott A. Kingsley</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Scott A. Kingsley</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
                  </td>
                </tr>

            </table>
            <div><br>
            </div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zff0bbadbb7bc4250aff672398aa23d89">

                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td colspan="2" style="vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANK, NATIONAL ASSOCIATION</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: middle;">&#160;</td>
                  <td style="width: 45%; vertical-align: middle;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
                  </td>
                  <td style="width: 45%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ Scott A. Kingsley</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Scott A. Kingsley</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Chief Executive Officer</div>
                  </td>
                </tr>

            </table>
            <div><br>
            </div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z2bef5432c81944d8ac5bb43932f85be0">

                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td colspan="2" style="vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">EVANS BANCORP, INC.</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: middle;">&#160;</td>
                  <td style="width: 45%; vertical-align: middle;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
                  </td>
                  <td style="width: 45%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ David J. Nasca</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">David J. Nasca</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td colspan="2" style="vertical-align: middle;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td colspan="2" style="vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">EVANS BANK, NATIONAL ASSOCIATION</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: middle;">&#160;</td>
                  <td style="width: 45%; vertical-align: middle;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
                  </td>
                  <td style="width: 45%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ David J. Nasca</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">David J. Nasca</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
                  </td>
                  <td style="width: 45%; vertical-align: bottom;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
                  </td>
                </tr>

            </table>
            <div><br>
            </div>
            <div style="text-align: center; font-style: italic;">[Signature Page to Agreement and Plan of Merger] </div>
            <div style="text-align: center;"> <br>
            </div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">63</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit A</div>
            <div><br>
            </div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Form of Voting Agreement</div>
            <div><br>
            </div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">64</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
                <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
            </div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">VOTING AGREEMENT</div>
            <div><br>
            </div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">This VOTING AGREEMENT </font>(this &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Agreement</u></font>&#8221;) is dated as of September 9, 2024, by and between [_________] (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shareholder</u></font>&#8221;) and NBT Bancorp
              Inc., a Delaware corporation (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT</u></font>&#8221;). All terms used herein and not defined herein shall have the meanings assigned thereto in the Merger Agreement (as defined
              below).</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS, </font>concurrently with the execution of this
              Agreement, NBT, NBT Bank, National Association, a federally-chartered national banking association and wholly-owned subsidiary of NBT (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Bank</u></font>&#8221;), Evans Bancorp,
              Inc., a New York corporation (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans</u></font>&#8221;), and Evans Bank, National Association, a federally-chartered national banking association and wholly-owned subsidiary of Evans
              (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Evans Bank</u></font>&#8221;), are entering into an Agreement and Plan of Merger (as such agreement may be subsequently amended or modified, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Agreement</u></font>&#8221;), pursuant to which Evans will merge with and into NBT, with NBT surviving, and immediately thereafter, Evans Bank will merge with and into NBT Bank, with NBT Bank surviving,
              and in connection therewith, shares of Evans Stock shall, at the Effective Time, be converted into the right to receive the Merger Consideration;</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS, </font>Shareholder beneficially owns and has the
              power to vote or direct the voting of the number of shares of Evans Stock identified on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit A</u></font> hereto (such shares, together with all shares of Evans Stock with
              respect to which Shareholder subsequently acquires beneficial ownership, and has the power to vote or direct the voting of such shares, during the term of this Agreement, including the right to acquire beneficial ownership (as defined in Rule
              13d-3 under the Securities Exchange Act of 1934, as amended) through the exercise of any stock options, warrants or similar instruments, being referred to as the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shares</u></font>&#8221;);





              and</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS, </font>it is a condition to the willingness of NBT to
              enter into the Merger Agreement that Shareholder execute and deliver this Agreement.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">NOW, THEREFORE, </font>in consideration of the promises,
              representations, warranties and agreements contained herein, and for other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto agree as follows:</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 1.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Agreement to Vote Shares</u></font>. Shareholder agrees that,
              while this Agreement is in effect, at any meeting of shareholders of Evans, however called, or at any adjournment thereof, or in any other circumstances in which Shareholder is entitled to vote, consent or give any other approval, except as
              otherwise agreed to in writing in advance by NBT, Shareholder shall:</div>
            <div>&#160;</div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z89ceb207e96c4c47982a916674e35abe">

                <tr>
                  <td style="width: 36pt;"><br>
                  </td>
                  <td style="width: 32.4pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">(a)</td>
                  <td style="width: auto; vertical-align: top; text-align: justify;">
                    <div style="font-family: 'Times New Roman'; font-size: 10pt;">appear at each such meeting or otherwise cause the Shares to be counted as present thereat for purposes of calculating a quorum; and</div>
                  </td>
                </tr>

            </table>
            <div>&#160;</div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za7e50f3b05214e1ea104c417d976bba1">

                <tr>
                  <td style="width: 36pt;"><br>
                  </td>
                  <td style="width: 32.4pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">(b)</td>
                  <td style="width: auto; vertical-align: top; text-align: justify;">
                    <div style="font-family: 'Times New Roman'; font-size: 10pt;">vote (or cause to be voted), in person or by proxy, all the Shares (i) in favor of adoption and approval of the Merger Agreement and the transactions contemplated thereby;
                      (ii) against any action or agreement that would be reasonably likely to result in a breach of any covenant, representation or warranty or any other obligation or agreement of Evans contained in the Merger Agreement or of Shareholder
                      contained in this Agreement; and (iii) against any Acquisition Proposal or any other action, agreement or transaction that is intended, or could reasonably be expected, to materially impede, interfere or be inconsistent with, delay,
                      postpone, discourage or materially and adversely affect consummation of the transactions contemplated by the Merger Agreement or of this Agreement.</div>
                  </td>
                </tr>

            </table>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">65</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 2.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Transfers</u></font>. While this Agreement is in effect,
              Shareholder agrees not to, directly or indirectly, sell, transfer, pledge, assign or otherwise dispose of, or enter into any contract, option, commitment or other arrangement or understanding with respect to the sale, transfer, pledge,
              assignment or other disposition of, any of the Shares, except the following transfers shall be permitted: (a) transfers by will or operation of law, in which case this Agreement shall bind the transferee, (b) transfers pursuant to any pledge
              agreement, subject to the pledgee agreeing in writing to be bound by the terms of this Agreement, (c) transfers in connection with estate and tax planning purposes, including transfers to relatives, trusts and charitable organizations,
              subject to the transferee agreeing in writing to be bound by the terms of this Agreement, (d) surrendering Shares to Evans in connection with the vesting, settlement or exercise of Evans equity awards to satisfy any withholding for the
              payment of taxes incurred in connection with such vesting, settlement or exercise, or, in respect of Evans equity awards, the exercise price thereon, and (e) such transfers as NBT may otherwise permit in its sole discretion. Any transfer or
              other disposition in violation of the terms of this Section 2 shall be null and void.</div>
            <div>&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 3.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Representations and Warranties of Shareholder</u></font>.
              Shareholder represents and warrants to and agrees with NBT as follows:</div>
            <div>&#160;</div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z52ff8ce060934adaa05d82dd3cb69b38">

                <tr>
                  <td style="width: 36pt;"><br>
                  </td>
                  <td style="width: 32.4pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">(a)</td>
                  <td style="width: auto; vertical-align: top; text-align: justify;">
                    <div style="font-family: 'Times New Roman'; font-size: 10pt;">Shareholder has all requisite capacity and authority to enter into and perform his, her or its obligations under this Agreement.</div>
                  </td>
                </tr>

            </table>
            <div>&#160;</div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z910a24a9da1f4538ba4eed2d96ff3a45">

                <tr>
                  <td style="width: 36pt;"><br>
                  </td>
                  <td style="width: 32.4pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">(b)</td>
                  <td style="width: auto; vertical-align: top; text-align: justify;">
                    <div style="font-family: 'Times New Roman'; font-size: 10pt;">This Agreement has been duly executed and delivered by Shareholder, and assuming the due authorization, execution and delivery by NBT, constitutes the valid and legally
                      binding obligation of Shareholder enforceable against Shareholder in accordance with its terms, subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating to
                      or affecting creditors&#8217; rights and to general equity principles.</div>
                  </td>
                </tr>

            </table>
            <div>&#160;</div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z22d26d367b4949b9974e64b3be7306d0">

                <tr>
                  <td style="width: 36pt;"><br>
                  </td>
                  <td style="width: 32.4pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">(c)</td>
                  <td style="width: auto; vertical-align: top; text-align: justify;">
                    <div style="font-family: 'Times New Roman'; font-size: 10pt;">The execution and delivery of this Agreement by Shareholder does not, and the performance by Shareholder of his, her or its obligations hereunder and the consummation by
                      Shareholder of the transactions contemplated hereby will not, violate or conflict with, or constitute a default under, any agreement, instrument, contract or other obligation or any order, arbitration award, judgment or decree to
                      which Shareholder is a party or by which Shareholder is bound, or any statute, rule or regulation to which Shareholder is subject or, in the event that Shareholder is a corporation, partnership, trust or other entity, any charter,
                      bylaw or other organizational document of Shareholder.</div>
                  </td>
                </tr>

            </table>
            <div>&#160;</div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5e1ae9585ae340488c87f0bd6945acca">

                <tr>
                  <td style="width: 36pt;"><br>
                  </td>
                  <td style="width: 32.4pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">(d)</td>
                  <td style="width: auto; vertical-align: top; text-align: justify;">
                    <div style="font-family: 'Times New Roman'; font-size: 10pt;">Except as set forth on Schedule 1, Shareholder is the record and beneficial owner of and has the power to vote or direct the voting of such Shares, or is the trustee that is
                      the record holder of and has the power to vote or direct the voting of such Shares, and whose beneficiaries are the beneficial owners of, and has good title to all of the Shares set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit A</u></font> hereto, and the Shares are so owned free and clear of any liens, security interests, charges or other encumbrances. Shareholder does not own, of record or beneficially, any shares of
                      capital stock of Evans that the Shareholder has the power to vote or direct the voting of other than the Shares (other than shares of capital stock subject to stock options or warrants over which Shareholder will have no voting rights
                      until the exercise of such stock options or warrants). Shareholder has the right to vote or direct the voting of the Shares and none of the Shares are subject to any voting trust or other agreement, arrangement or restriction with
                      respect to the voting of the Shares, except as contemplated by this Agreement.</div>
                  </td>
                </tr>

            </table>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">66</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 4.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Irrevocable Proxy</u></font>. Subject to the last sentence of this
              Section 4, by execution of this Agreement, Shareholder does hereby appoint NBT with full power of substitution and resubstitution, as Shareholder&#8217;s true and lawful attorney and irrevocable proxy, to the full extent of Shareholder&#8217;s rights
              with respect to the Shares, to vote, if Shareholder is unable to perform his, her or its obligations under this Agreement, each of such Shares that Shareholder shall be entitled to so vote with respect to the matters set forth in Section 1
              hereof at any meeting of the shareholders of Evans, and at any adjournment or postponement thereof, and in connection with any action of the shareholders of Evans taken by written consent. The Shareholder intends this proxy to be irrevocable
              and coupled with an interest hereafter until the termination of this Agreement pursuant to the terms of Section 8 hereof and hereby revokes any proxy previously granted by Shareholder with respect to the Shares. Notwithstanding anything
              contained herein to the contrary, this irrevocable proxy shall automatically terminate upon the termination of this Agreement.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 5.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Solicitation</u></font>. Subject to Section 10, from and after
              the date hereof until the termination of this Agreement pursuant to Section 7 hereof, Shareholder, in his, her or its capacity as a shareholder of Evans, shall not, nor shall such Shareholder authorize any partner, officer, director, advisor
              or representative of such Shareholder, or any of his, her or its affiliates to (and, to the extent applicable to Shareholder, such Shareholder shall use reasonable best efforts to prohibit any of his, her or its representatives or affiliates
              to), (a) initiate, solicit, induce or knowingly encourage, or take any action to facilitate the making of, any inquiry, offer or proposal which constitutes, or could reasonably be expected to lead to, an Acquisition Proposal, (b) participate
              in any discussions or negotiations regarding any Acquisition Proposal, or furnish, or otherwise afford access, to any person (other than NBT) any confidential or non-public information or data with respect to Evans or otherwise relating to an
              Acquisition Proposal, (c) enter into any agreement, agreement in principle or letter of intent with respect to an Acquisition Proposal (other than the Merger Agreement), or (d) initiate a shareholders&#8217; vote or action by consent of Evans&#8217;s
              shareholders with respect to an Acquisition Proposal.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 6.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Specific Performance and Remedies</u></font>. Shareholder
              acknowledges that it will be impossible to measure in money the damage to NBT if Shareholder fails to comply with the obligations imposed by this Agreement and that, in the event of any such failure, NBT will not have an adequate remedy at
              law or in equity. Accordingly, Shareholder agrees that injunctive relief or other equitable remedy, in addition to remedies at law or in damages, is the appropriate remedy for any such failure and will not oppose the granting of such relief
              on the basis that NBT has an adequate remedy at law. Shareholder agrees that Shareholder will not seek, and agrees to waive any requirement for, the securing or posting of a bond in connection with NBT&#8217;s seeking or obtaining such equitable
              relief.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 7.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Term of Agreement; Termination</u></font>. The term of this
              Agreement shall commence on the date hereof. This Agreement may be terminated at any time prior to consummation of the transactions contemplated by the Merger Agreement by the written consent of the parties hereto, and shall be automatically
              terminated upon the earlier to occur of (a) the final adjournment of the Evans Meeting or (b) the termination of the Merger Agreement in accordance with its terms. Upon any such termination, no party shall have any further obligations or
              liabilities hereunder; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>however</u></font>, such termination shall not relieve any party
              from liability for any willful breach of this Agreement prior to such termination.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 8.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Entire Agreement; Amendments</u></font>. This Agreement supersedes
              all prior agreements, written or oral, among the parties hereto with respect to the subject matter hereof and contains the entire agreement among the parties with respect to the subject matter hereof. This Agreement may not be amended,
              supplemented or modified, and no provisions hereof may be modified or waived, except by an instrument in writing signed by each party hereto. No waiver of any provisions hereof by either party shall be deemed a waiver of any other provisions
              hereof by any such party, nor shall any such waiver be deemed a continuing waiver of any provision hereof by such party.</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">67</font></div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
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            </div>
            <div><br>
            </div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 9.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Severability</u></font>. In the event that any one or more
              provisions of this Agreement shall for any reason be held invalid, illegal or unenforceable in any respect, by any court of competent jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provisions of this
              Agreement and the parties shall use their reasonable efforts to substitute a valid, legal and enforceable provision which, insofar as practical, implements the purposes and intents of this Agreement.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 10.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capacity as Shareholder</u></font>. The covenants contained
              herein shall apply to Shareholder solely in his or her capacity as a shareholder of Evans, and no covenant contained herein shall apply to Shareholder in his or her capacity as a director, officer or employee of Evans or in any other
              capacity. Nothing contained in this Agreement shall be deemed to apply to, or limit in any manner, the obligations of Shareholder to comply with his or her fiduciary duties as a director or officer, as applicable, of Evans.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 11.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Governing Law</u></font>. This Agreement shall be governed by,
              and interpreted in accordance with, the laws of State of Delaware, without regard for conflict of law provisions.</div>
            <div style="text-indent: 36pt;">&#160;</div>
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;">Section 12.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Notice</u></font>. All notices and other communications hereunder
              shall be in writing and shall be deemed given if delivered personally or sent by overnight courier (providing proof of delivery) to NBT in accordance with Section 8.06 of the Merger Agreement and to the Shareholder at his, her or its address
              set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit A</u></font> attached hereto (or at such other address for a party as shall be specified by like notice).</div>
            <div>&#160;</div>
            <div style="text-align: center; margin-right: 3.6pt; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">(Remainder of page intentionally left blank.)</div>
            <div>&#160;</div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">68</font></div>
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            <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">IN WITNESS WHEREOF</font>, the parties hereto have executed and
              delivered this Agreement as of the date first written above.</div>
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                  <td colspan="2" rowspan="1" style="width: 3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANCORP INC.</div>
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                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 3%; vertical-align: top;">&#160;</td>
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                  <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
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                  <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                  </td>
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                  <td style="width: 5%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
                  </td>
                  <td style="width: 45%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Scott A. Kingsley</div>
                  </td>
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                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
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                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
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                  <td style="width: 45%; vertical-align: top;" rowspan="1">&#160;</td>
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                  <td style="width: 5%; vertical-align: top;" rowspan="1" colspan="2">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SHAREHOLDER</div>
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                  <td style="width: 5%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="2">&#160;&#160;</td>
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                  <td style="width: 5%; vertical-align: top;" rowspan="1" colspan="2">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
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            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">EXHIBIT A</div>
            <div>&#160;</div>
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                    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NAME AND ADDRESS</div>
                    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">OF SHAREHOLDER</div>
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                  <td style="width: 50.2%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SHARES OF EVANS COMMON STOCK </div>
                    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">BENEFICIALLY OWNED</div>
                  </td>
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                    <div>&#160;</div>
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<DOCUMENT>
<TYPE>EX-99.1
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<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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    <div style="font-weight: bold; text-align: right; font-size: 10pt;">Exhibit 99.1<br>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FOR IMMEDIATE RELEASE</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT Bancorp Inc. and Evans Bancorp, Inc.</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Announce Strategic Partnership</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold;">Merger Will Extend NBT&#8217;s Growing Footprint to Western New York,</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold;">Bring Next Generation of Community Banking Into Region</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NORWICH, NY AND WILLIAMSVILLE, NY (September 9, 2024) &#8211; NBT Bancorp Inc. (&#8220;NBT&#8221;) (NASDAQ: NBTB) and Evans Bancorp, Inc. (&#8220;Evans&#8221;) (NYSE American: EVBN) today announced
        they have entered into a definitive agreement pursuant to which Evans will merge with and into NBT. This merger will bring together two highly respected banking companies and extend NBT&#8217;s growing footprint into Western New York.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;We are enthusiastic about this opportunity to partner with Evans and are confident it is a high quality and incredibly impactful way to expand NBT&#8217;s presence into
        Western New York,&#8221; said NBT President and Chief Executive Officer Scott A. Kingsley. &#8220;Adding the greater Buffalo and Rochester communities to the markets served by NBT is a natural geographic extension of our footprint in Upstate New York where we
        have been very active and successful for nearly 170 years. We share strong community banking values with Evans and look forward to working with their experienced team to build on the relationships they have established with their customers,
        communities and shareholders.&#8221;</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The combined organization will have the highest deposit market share in Upstate New York for any bank with assets under $100 billion and will result in a network of over
        170 locations from Buffalo, NY to Portland, ME.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT&#8217;s primary subsidiary, NBT Bank, N.A., has 154 locations in seven northeastern states. With 107 of those locations in Upstate New York, NBT&#8217;s banking franchise
        currently stretches west to east from Syracuse to the Capital District and north to south from Plattsburgh to Binghamton and the Hudson Valley. Evans, headquartered in Williamsville, NY had assets of $2.26 billion as of June 30, 2024, and 18
        locations in the Buffalo and Rochester markets.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the merger agreement, NBT will acquire 100% of the outstanding shares of Evans in exchange for common shares of NBT. The exchange ratio will be fixed at 0.91
        NBT shares for each share of Evans, resulting in an aggregate transaction value of approximately $236 million based on NBT&#8217;s closing stock price of $46.28 on September 6, 2024. The merger was unanimously approved by the Boards of Directors of both
        companies.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">Page 1</font></div>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;We are very excited to be joining the NBT family and bringing the next generation of community banking to Buffalo, Rochester and the Finger Lakes,&#8221; said David J. Nasca,
        Evans President and Chief Executive Officer. &#8220;We believe this strategic merger offers customers and the communities we serve access to elevated financial products and relationships with a combined organization that has consistently received
        recognition for delivering outstanding service while creating tremendous value for shareholders. NBT is strongly committed to upholding our relationship-focused approach and providing a significant suite of expanded products, services and
        capabilities, including technology-enabled solutions, delivered by the professionals our customers and markets have trusted. In NBT we have found a powerful partner that closely mirrors the culture and values that we have operated under throughout
        our long history.&#8221; Mr. Nasca will join the NBT Board of Directors following the merger.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The merger is expected to close in the second quarter of 2025, subject to the satisfaction of customary closing conditions, including approval by the shareholders of
        Evans and the receipt of required regulatory approvals.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Stephens Inc. served as financial advisor to NBT, and Piper Sandler &amp; Co. served as financial advisor to Evans. Hogan Lovells US LLP served as legal counsel to NBT,
        Wiggin and Dana LLP served as executive compensation and employee benefits counsel to NBT, and Luse Gorman, PC served as legal counsel to Evans.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Investor Call</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT will host a conference call at 10:00 a.m. (Eastern) on Tuesday, September 10, 2024, to discuss the combination with Evans. The audio webcast link, along with the
        corresponding presentation slides, will be available on NBT&#8217;s Event Calendar page at <u>https://www.nbtbancorp.com/bn/presentations-events.html#event</u>s and will be archived for twelve months.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">About NBT Bancorp Inc.</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT Bancorp Inc. is a financial holding company headquartered in Norwich, NY, with total assets of $13.50 billion at June 30, 2024. NBT primarily operates through NBT
        Bank, N.A., a full-service community bank, and through two financial services companies. NBT Bank, N.A. has 154 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. EPIC Retirement Plan
        Services, based in Rochester, NY, is a national benefits administration firm. NBT Insurance Agency, LLC, based in Norwich, NY, is a full-service insurance agency. More information about NBT and its divisions is available online at <u>www.nbtbancorp.com</u>,
        <u>www.nbtbank.com</u>, <u>www.epicrps.com</u> and <u>https://www.nbtbank.com/insurance</u>.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">About Evans Bancorp, Inc.</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Evans is a financial holding company headquartered in Williamsville, NY, with total assets of $2.26 billion at June 30, 2024. Its primary subsidiary, Evans Bank, N.A., is
        a full-service community bank with 18 branches providing comprehensive financial services to consumer, business and municipal customers throughout Western New York. More information about Evans is available online at <u>www.evansbancorp.com</u>
        and <u>www.evansbank.com.</u></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Forward-Looking Statements</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This communication contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about NBT and
        Evans and their industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding NBT&#8217;s or Evans&#8217; 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 Evans, are forward-looking statements. Words such as &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;expects,&#8221; &#8220;forecasts,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221;
        &#8220;projects,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should&#8221; and other similar expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">Page 2</font></div>
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      </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 Evans 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 Evans may fail to approve the merger; (6) the possibility that the merger may be more expensive to complete than
        anticipated, including as a result of unexpected factors or events; (7) diversion of management&#8217;s attention from ongoing business operations and opportunities; (8) the possibility that the parties may be unable to achieve expected synergies and
        operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate Evans&#8217; 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 Evans&#8217; 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; and
        (14) legislative and regulatory changes. Further information about these and other relevant risks and uncertainties may be found in NBT&#8217;s and Evans&#8217; respective Annual Reports on Form 10-K for the fiscal year ended December 31, 2023 and in
        subsequent filings with the Securities and Exchange Commission (&#8220;SEC&#8221;).</div>
      <div style="font-size: 10pt;"><br>
      </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 Evans do not undertake, and specifically disclaim any obligation, to publicly release the
        result of any revisions which may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue reliance on these
        forward-looking statements.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Additional Information and Where to Find It</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">In connection with the proposed transaction, NBT expects to file with the SEC a registration statement on Form S-4 that will include a proxy statement of Evans and a
        prospectus of NBT (the &#8220;proxy statement/prospectus&#8221;), which proxy statement/prospectus will be mailed or otherwise disseminated to Evans&#8217; shareholders when it becomes available. NBT and Evans also plan to file other relevant documents with the SEC
        regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4, AND ANY OTHER RELEVANT
        DOCUMENTS FILED OR TO BE FILED WITH THE SEC WHEN THEY BECOME AVAILABLE, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT NBT, EVANS AND THE PROPOSED TRANSACTION. You may obtain a
        free copy of the registration statement, including the proxy statement/prospectus (when it becomes available) and other relevant documents filed by NBT and Evans 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 Evans with the SEC will be available free of charge on Evans&#8217; website at www.evansbancorp.com or by directing a request to Evans Bancorp, Inc., 6460 Main Street, Williamsville, NY 14221, attention:
        Secretary, telephone (716) 926-2000.</div>
      <div style="font-size: 10pt;"><br>
      </div>
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        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">Page 3</font></div>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">No Offer</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. No offering of securities shall be made except by means of
        a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law.</div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Participants in the Solicitation</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT AND EVANS 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 5, 2024. YOU CAN FIND INFORMATION ABOUT EVANS&#8217; EXECUTIVE OFFICERS
        AND DIRECTORS IN EVANS&#8217; DEFINITIVE PROXY STATEMENT FILED WITH THE SEC ON MARCH 25, 2024. 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 EVANS USING THE SOURCES INDICATED ABOVE.</div>
      <div style="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: #000000;" id="zadc803ac539b4a5ba5c53557e3a7a4b1">

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              <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">Contacts</div>
            </td>
            <td style="width: 43.7%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">NBT Bancorp Inc.</div>
            </td>
            <td style="width: 43.74%; vertical-align: top; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: bold;">Evans Bancorp, Inc.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 12%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td style="width: 43.7%; vertical-align: bottom;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Scott A. Kingsley</div>
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
              </div>
            </td>
            <td style="width: 43.74%; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">David J. Nasca</div>
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
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          <tr>
            <td style="width: 12%; vertical-align: top; font-size: 10pt;">&#160;</td>
            <td style="width: 43.7%; vertical-align: bottom;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Annette L. Burns</div>
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">EVP and Chief Financial Officer</div>
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
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            <td style="width: 43.74%; vertical-align: top; text-align: left;">
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">John B. Connerton</div>
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">EVP and Chief Financial Officer</div>
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          </tr>
          <tr>
            <td style="width: 12%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td style="width: 43.7%; vertical-align: top; font-size: 10pt; text-align: left;">
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';">607-337-6589</div>
            </td>
            <td style="width: 43.74%; vertical-align: top; font-size: 10pt; text-align: left;">
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';">716-926-2000</div>
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman';"> <br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 12%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td style="width: 43.7%; vertical-align: bottom; font-size: 10pt;">&#160;</td>
            <td style="width: 43.74%; vertical-align: top; text-align: left;">
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Evans Investor Relations</div>
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Deborah K. Pawlowski, Kei Advisors</div>
              <div style="font-family: 'Times New Roman'; font-size: 10pt;"><u>dpawlowski@keiadvisors.com</u></div>
              <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">716-843-3908</div>
            </td>
          </tr>

      </table>
      <div>&#160;
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        <div style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">Page 4</font></div>
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    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol" xml:lang="en-US" id="dei_TradingSymbol">Trading Symbol</link:label>
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    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName" xml:lang="en-US" id="dei_SecurityExchangeName">Security Exchange Name</link:label>
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  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>nbtb-20240909_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 24.8.1.5246 Broadridge-->
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end
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<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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<span style="display: none;">v3.24.2.u1</span><table class="report" border="0" cellspacing="2" id="idm140245507481776">
<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>Sep. 09, 2024</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">Sep.  09,  2024<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>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</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></div>
</div></td></tr>
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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>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
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<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">
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<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">
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<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>
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<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>
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<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>
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