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Loan and Mortgage Rates

Loan Rates Effective as of August 01, 2010 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
Fixed Rate Mortgages	Call for Current Rates and Terms			800-222-9801
1 Year ARM2 1 Year Treasury Index	4.250%	3.355%	$4.92	0 points, caps 2/6
3/1 ARM2 1 Year Treasury Index	4.250%	3.500%	$4.92	0 points, caps 2/6
5/1 ARM2 1 Year Treasury Index	4.750%	4.140%	$5.41	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 Loans3
	Rate	APR	$ per $1,000	Terms
5 Year Fixed Rate	5.990%	6.032%	$19.33	60 Months
7 Year Fixed Rate	6.240%	6.271%	$14.73	84 Months
10 Year Fixed Rate	6.490%	6.512%	$11.35	120 Months
Home Equity Line of Credit
	Rate	APR	$ per $1,000	Terms
Variable Rate	Call for Current Rates and Terms 800-222-9801

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	6.00%	6.00%	$19.33	60 months Max 95% LTV
Home Improvement Loan	6.99%	6.99%	$20.01	60 months, unsecured
New Auto Loan	6.25%	6.25%	$23.83	Up to 48 months Max 90% LTV
New Auto Loan	6.50%	6.50%	$19.80	Up to 60 months Max 90% LTV
Used Auto Loan (2005-2009)	6.75%	6.75%	$19.92	Up to 60 months  Max 90% LTV
Used Auto Loan  (2000-2004)	7.00%	7.00%	$31.11	Up to 36 months Max 90% LTV
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). Payment examples shown do not include amounts for taxes and insurance. Actual payment obligation will be greater.

²Rates and monthly payments may change after the initial term. For example, with our 5/1 Adjustable Rate Mortgage, your rate and payment will not change for the first five years of the loan and then can change each year thereafter based on the index plus a margin, subject to the specific terms of the loan.

³Home 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.