NORWICH, N.Y. (September 6, 2011) – NBT Bank is offering a special flood relief loan program to help those affected by recent flooding caused by Tropical Storm Irene. The personal and business loans being offered can be used toward expenses and repairs related to flood damage. The program is available through October 31, 2011.Personal loans from $500 to $20,000 will be available at an annual percentage rate (APR) of 3.00% for a maximum term of 60 months. Additional personal loan options, including discounted automobile, home equity and residential mortgage refinance loans are also available through the program. Business term loans from $1,000 to $50,000 will be available at an APR of 3.00% for a maximum term of 60 months. In addition to covering expense and repairs, business term loans can be used to replace flood-damaged inventory. More information can be obtained by contacting any NBT Bank office or calling 1-800-NBT-BANK (1-800-628-2265). All loans are subject to credit qualification. NBT Bank provides personal banking, asset management and business services. The independent community bank, based in Norwich, N.Y., has a total of 87 offices in upstate New York and Vermont. NBT Bank’s parent company, NBT Bancorp Inc., had assets of $5.3 billion at June 30, 2011.