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A duly authorized officer or other representative of the Company, by signing this form where provided below: (1) acknowledges that he/she has received, read and understands these NBT Online Banker for Business Terms and Conditions (May 4, 2015) in connection with which he/she has delivered this form to NBT Bank, N.A. (the Bank ); (2) agrees that these Terms and Conditions, as amended from time to time, will govern all transactions involving NBT Online Banker for Business (the SYSTEM ).

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