Information About Your Privacy 
Recognizing Your Right to Privacy
We are committed to providing you with responsive, personalized service and to keeping you informed about new services that may be of interest to you. As we endeavor to assist you in achieving your financial goals, we want to assure you that protecting your privacy is important to us.We want you to understand what information we collect and how we use it. In the sections that follow, we describe the types of nonpublic personal information that are collected and how and why that information may be shared with others.
As used in this notice, the terms “we,” “us” and “our” mean NBT Bank, N.A., its NBT Bank and Pennstar Bank divisions and its affiliates. “Nonpublic personal information” is information about you that we collect in conjunction with providing you with a financial product or service and that is within the meaning of federal law on consumer privacy.
The Information That We Collect
We collect nonpublic personal information about you from the following sources:- Information you provide to us on applications or other forms.
- Information we receive from credit bureaus.
- Information about your transactions with us, our affiliates or others.
Maintaining the Security of Your Customer Information
We restrict access to your nonpublic personal information to those employees who need to know that information to provide products or services to you. To protect your information, we maintain physical, electronic and procedural safeguards that comply with federal regulations.Information Sharing
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. As permitted by law, we may also disclose your nonpublic personal information to nonaffiliated third parties.How to Contact Us
If you have any questions regarding our privacy policy, please contact our Call Center at 1-866-4STAR-PA (1-866-478-2772).
IMPORTANT INFORMATION ABOUT CREDIT REPORTING — We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
10/1/2008
Member FDIC | 
Equal Housing Lender | Copyright 2008 © NBT Bancorp All Right Reserved
Equal Housing Lender | Copyright 2008 © NBT Bancorp All Right Reserved