Best Of The Best 2008

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SLEEP AT NIGHT. Since 1856, customers have counted on NBT Bank to keep their money safe. In these uncertain financial times, NBT Bank continues to return your trust. We remain safe and sound. So rest easy. We are a community bank that is well capitalized, exceeding federal requirements. You won’t find us dabbling in exotic investments or loans. What you will find are products and services grounded in the realities of your financial life. With over 150 years of experience and $5 billion in assets behind us, you can rest assured. NBT Bank is here to help secure your financial future.

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We wish all our loyal customers the warmest seasons greetings. May the New Year bring you much success, celebration and good cheer.

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For all of your travel needs… s#RUISESs6ACATION0ACKAGESs7ALT$ISNEY7ORLDš6ACATIONSs#AR2ENTALS s(OTEL2ESERVATIONSs!IR2ESERVATIONSs!!!4RAVEL3TOREs4HEME0ARK4ICKETS s0ASSPORT0HOTOSs4RAVELERS#HEQUESs)NTERNATIONAL$RIVING0ERMITS sANDMUCHMORE


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S\_ 9VSR Your assets could be doing more for you. So could we. To get what you want out of life, make sure you’re getting what you need from your assets. Come for a free consultation where we can discuss these and other issues, including: sThe advantages of having a financial plan in sync with your life plan sThe framework that ensures your assets work together sHow much more your assets could do for you The Morgan McReynolds Group at Smith Barney Erna Morgan McReynolds Director–Wealth Management Financial Planning Specialist 493 Chestnut Street Oneonta, NY 13820 (607) 432-5000 or (800) 962-2357

INVESTMENT PRODUCTS:

NOT FDIC INSURED. NO BANK GUARANTEE. MAY LOSE VALUE

Citigroup Inc., its affiliates, and its employees are not in the business of providing tax or legal advice. These materials and any taxrelated statements are not intended or written to be used, and can not be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the “promotion or marketing” of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. © 2008 Citigroup Global Markets Inc. Member SIPC. Securities are offered through Citigroup Global Markets Inc. Smith Barney is a division and service mark of Citigroup Global Markets Inc. and its affiliates and is used and registered throughout the world. Citi and Citi with arc design are trademarks and service marks of Citigroup Inc. and its affiliates and is used and registered throughout the world. Working WealthSM is a service mark of Citigroup Global Markets Inc. Citigroup Global Markets Inc. and Citibank are affiliated companies under the common control of Citigroup Inc.

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