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Loan and Mortgage Rates

Loan Rates Effective as of July 06, 2008 and are subject to change without notice.

APR is defined to mean Annual Percentage Rate

$ per $1,000 means Monthly Payment per $1,000 borrowed.

Residential Mortgages1
	Rate	APR	$ per $1,000	Terms
15 Year Fixed Rate	Call for Current Rates			800-222-9801
30 Year Fixed Rate	Call for Current Rates			800-222-9801
1 Year ARM 1 Year Treasury Index	5.875%	5.399%	$5.92	0 points, caps 2/6
3/1 ARM 1 Year Treasury Index	6.125%	5.548%	$6.08	0 points, caps 2/6
5/1 ARM 1 Year Treasury Index	6.375%	5.686%	$6.24	0 points, caps 2/6

These mortgage products are just a small sample of the many programs we have available. Geographic restrictions apply. Please contact us for more information.

Home Equity Loans2
	Rate	APR	$ per $1,000	Terms
5 Year Fixed Rate	6.490%	6.532%	$19.57	60 Months
7 Year Fixed Rate	6.740%	6.775%	$14.98	84 Months
10 Year Fixed Rate	6.990%	7.026%	$11.62	120 Months
Home Equity Line of Credit3
	Rate	APR	$ per $1,000	Terms
Variable Rate	5.000%	5.000%	$4.25	Maximum APR 16% Index = Prime Rate = Prime + 0% Wall Street Journal Prime Rate: 5.000%

Geographic restrictions apply. For more information about home equity loans and lines of credit, contact us.

Consumer Loans
Fixed Rate	Rate	APR	$ per $1,000	Terms
Deposit Secured Loan	4.00%	4.00%	$18.42	60 months
Home Improvement Loan	7.45%	7.45%	$20.04	60 months, unsecured
New Auto Loan	6.75%	6.75%	$23.84	Up to 48 months
New Auto Loan	7.00%	7.00%	$19.81	Up to 60 months
Used Auto Loan (2003-2007)	7.50%	7.50%	$20.04	Up to 60 months
Used Auto Loan  (1998-2002)	7.75%	7.75%	$24.30	Up to 48 months
Personal Loan	15.00%	15.00%	$34.67	36 months, unsecured

Geographic restrictions apply. For more information about consumer loans contact us.

¹Rates and terms described are for owner-occupied properties only and assume 20% down payment and 30 year amortization. Rates are subject to change without notice. All mortgages with more than 80% LTV require private mortgage insurance (PMI).

² Home Equity Loans available only for 1-4 family owner-occupied homes and approved condominiums located in selected geographies in Connecticut, Massachusetts and New York and are not available on cooperatives or properties listed for sale. The Home Equity loan is not a revolving line of credit, but a term loan, which will result in a mortgage on the home. Flood insurance may be required. Minimum loan amount is $10,000. Maximum loan amount is $100,000. For loan requests with a Salisbury Bank first mortgage you can borrow up to 80% of the equity in your home (70% for loan requests without a Salisbury Bank first mortgage). There is a $100.00 appraisal fee for loans up to $100,000. New York State mortgage tax applies to loans secured by property located in New York State. Property insurance is required. Consult your tax advisor regarding the deductibility of interest.

³The Annual Percentage Rate ("APR") is variable each month and will be established based on an Index, which is the highest United States Prime Rate as published in the Eastern edition of The Wall Street Journal on the last business day before the start of each month's billing cycle. Payment per thousand is interest only. Property insurance required. Flood insurance may be required. Home Equity Credit Lines are available only for 1-4 family owner-occupied properties and approved condominiums located in selected geographies in Connecticut, Massachusetts and New York and are not available on cooperatives or properties listed for sale. The Home Equity Credit Line has a minimum line amount of $10,000 and a maximum line amount of $1,000,000. For loan requests with a Salisbury Bank first mortgage you can borrow up to 80% of the equity in your home (70% for loan requests without a Salisbury Bank first mortgage). There is a $100.00 appraisal fee for lines up to $100,000. New York State mortgage tax applies to lines secured by property located in New York State. For lines over $100,000, full closing costs apply and are estimated to be from $1,000.00 to $3,000.00 depending on the line amount and state where property is located. Other terms and conditions apply. Terms are subject to change without notice. Consult your tax advisor regarding the deductibility of interest.