COMPARE SAVINGS ACCOUNT OPTIONS Saving is an important cornerstone of a strong budget and financial plan. NBT Bank offers several savings account options to help you with managing short-term and long-term goals.

Minimum Monthly Account Additional to Open Maintenance Fee Interest Management Benefits Statement Options

Personal Statement » Interest paid on balances $25 $10 Excessive » NBT Digital » eStatements or more Activity Fee for Banking » Mailed Statements Savings » Interest is paid quarterly or transfers and » Mobile Banking $ $ withdrawals that monthly if the account is set up 0 0 exceed monthly » NBT Bank ATM with a portfolio statement limits.1 Card

eSavings Earn interest on your account $10 Excessive » NBT Digital » eStatements balances paid quarterly or Activity Fee for Banking » Mailed Statements monthly if through a portfolio transfers and » Mobile Banking statement on the following tiers: withdrawals that » NBT Bank $ $ » Tier 1 $100 - $2,499.99 exceed monthly 0 0 limits.1 ATM Card » Tier 2 $2,500 - $9,999.99 » Tier 3 $10,000 or more

iStrive® Savings Earn interest on your account $10 Excessive » NBT Digital » eStatements balances paid quarterly or Activity Fee for Banking » Mailed Statements » No fee to transfer funds monthly if through a portfolio transfers and » Mobile Banking statement on the following tiers: withdrawals that to your iStrive Savings » NBT Bank ATM $ $ » Tier 1 $0.01 - $2,499.99 exceed monthly Account using the 0 0 limits.1 Card Autolink Transfer Service » Tier 2 $2,500 - $9,999.99 No minimum » Tier 3 $10,000 or more balance required.

Money Market » $5 monthly Earn interest on account balances $10 Excessive » NBT Digital » eStatements with or maintenance fee over $1,000 in the following tiers: Activity Fee for Banking without images » Ability to write checks if the average » Tier 1 $1,000 - $25,000 transfers and » Mobile Banking » Mailed Statements – withdrawals that monthly balance fees apply with » Tier 2 $25,001 - $75,000 exceed monthly » NBT Bank Debit falls below $1,000 inclusion of images $ » Tier 3 $75,000 and over limits.1 Card (Money 0 Market Accounts can only be added as a secondary account)

1Federal Banking regulations place limitations on certain transfers and withdrawals from savings and money market accounts. Withdrawals or transfers made by automatic, pre-authorized, telephonic agreement order, or instruction, check, draft, debit card, or similar order made from this account to other accounts or to third parties are restricted to no more than six per monitoring period. The monitoring period for all savings accounts except those tied to checking accounts with portfolio statements is monthly up to the quarterly statement date. Money market accounts and savings accounts with portfolio statement are monitored by statement cycle.

02.2021 Member FDIC