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O UR C U S TOM E RS C A N

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, exceed-
ing 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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Happy We wish all our loyal
customers the warmest
seasons greetings.

May the New Year bring


you much success,
celebration and good cheer.

Happy New Year from your friends at


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For all of your travel needs…
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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 tax-
related 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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