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Deposit Services

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Platinum Money Market Account
Money Market Checking
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FDIC Insurance

Consumer Loans
Home Equity
Mortgages - Residential & Commercial
Business Loans
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Merchant Services

Other Services

Life Insurance (Not FDIC insured)
Long-Term Care Insurance (Not FDIC insured)
Investment Products (Not FDIC insured)
Annuities (Not FDIC insured)
Trusts & Estates
Investment Management Accounts
Retirement, Pension & Profit Sharing Plans
ATM and Telephone Banking Service
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INSURANCE AND INVESTMENT PRODUCTS:

NOT A DEPOSIT
NOT FDIC-INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT GUARANTEED BY THE BANK

MAY GO DOWN IN VALUE

Insurance products are offered through Loomis and LaPann, Inc., Capital Financial Group, Inc. (South Glens Falls, N.Y.) and Upstate Agency LLC (Chestertown, NY). Loomis and LaPann, Inc., Capital Financial Group, Inc. and Upstate Agency LLC are non-bank subsidiaries of Glens Falls National Bank and Trust Company and are licensed to sell insurance in New York State and act as agents for issuing insurers. Insurance policies are obligations of the insurers that issue the policies.