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Since 1856, customers have counted on NBT Bank to keep their
moneysafe. In these uncertain financial times, NBT Bank continues
to return yourtrust. We remain safe and sound.
So rest easy. We are a community bank that is well capitalized,
exceed-ing federal requirements. You wont find us dabbling in
exotic investmentsor loans. What you will find are products and
services grounded in therealities of your financial life.
With over 150 years of experience and $5 billion in assets
behind us, youcan rest assured. NBT Bank is here to help secure
your financial future.
O U R C U S T O M E R S C A N
SLEEPATNIGHT.
SAFE. SOUND. SECURE.
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We wish all our loyal
customers the warmest
seasons greetings.
May the New Year bringyou much success,
celebration and good cheer.
Happy New Year from your friends at
Happy
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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 youre
getting what you need from your assets. Come for
a free consultation where we can discuss theseand other issues,
including:
The advantages of having a financial plan in
sync with your life plan
The framework that ensures your assets work
together
How much more your assets could do for you
The Morgan McReynolds Group at Smith Barney
Erna Morgan McReynolds
DirectorWealth 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 VALUECitigroup 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 ofavoiding tax penalties. Tax-related statements, if
any, may have been written in connection with the promotion or
marketing of thetransaction(s) or matter(s) addressed by these
materials, to the extent allowed by applicable law. Any such
taxpayer should seek advicebased on the taxpayers 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
adivision and service mark of Citigroup Global Markets Inc. and its
affiliates and is used and registered throughout the world. Citi
and Citiwith 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 companiesunder the common control of
Citigroup Inc.
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KOSTY
KOSTY SMITH
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