PERSONAL BUSINESS WEALTH PERSONAL PRODUCTS & SERVICES CUSTOMER SUPPORT ABOUT US LOGIN Personal Products and Services Personal Loan Options Overdraft Line of Credit PERSONAL OVERDRAFT LINE OF CREDIT A personal Overdraft Line of Credit is a convenient way to ensure protection against checking account overdrafts and to eliminate costly overdraft fees. Features & Benefits: Unsecured open-end revolving credit line Fixed Annual Percentage Rate Line amounts range from $500 up to $10,000 The minimum transfer amount is $50 Monthly payments of principal plus interest are deducted automatically from the protected checking account on the tenth day after the statement date No annual fee A $10 cash advance fee is charged for each transfer that is made Apply Online Loan Rates Help Me Decide FOLLOW US About Us Locations Careers Investors Accessibility Privacy Security Site Map Member FDIC Equal Housing Lender NMLS ID 500501 Routing #: 021303618 Investment and Insurance Products: • Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value Copyright NBT Bank, N.A.

PERSONAL BUSINESS WEALTH PERSONAL PRODUCTS & SERVICES CUSTOMER SUPPORT ABOUT US LOGIN Personal Products and Services Mortgage Loans Mortgage Rates MORTGAGE RATES We’re glad you’re here. Getting a home loan can be both exciting and stressful at the same time. You want a great rate and great service for one of the most important purchases in your lifetime. We’re happy to tell you that it’s possible at NBT. We continuously work to offer our customers competitive rates, coupled with exceptional service from our Mortgage Loan Originators. Our team is experienced, skilled and ready to help you navigate the complexities of the mortgage process. We’re pleased to offer numerous mortgage loan options to suit your needs. Feel free to view our programs and rates to find what’s best for you. You can always connect with a Mortgage Loan Originator to get your questions answered. Mortgage Rates Connect with a Loan Originator Prequalify Mortgage Rate Discount Set up an automatically deducted payment from your NBT Bank Personal Checking account and receive a 0.125% rate deduction. Open Checking Account Learn More Home Equity Line of Credit We are offering introductory rates with no closing costs to qualifying applicants who are looking to finance future home improvements or other expenses. Please ask your Mortgage Loan Originator for details. Mortgage Programs Mortgage Process Apply Online FOLLOW US About Us Locations Careers Investors Accessibility Privacy Security Site Map Member FDIC Equal Housing Lender NMLS ID 500501 Routing #: 021303618 Investment and Insurance Products: • Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value Copyright NBT Bank, N.A.