Now is the time to take your business banking personally.

Simsbury Bank is strong and safe. Let us use our strength and our knowledge to help you pilot through these economic ups and downs. We are here to listen to you, advise you and your company about your banking questions and guide you while the economy works through its current uncertainties.

We have ways to protect your business’s cash plus get you the funding you need to run your business. The news is full of stories that businesses can’t get loans today. But here at Simsbury Bank we are open for business and have money to lend your company. We offer trained financial advisors to help you make the best loan decision.

Trust and Reliability.

At times like these, we all need to be reminded that challenges also offer opportunities. Simsbury Bank can offer you advice and assistance with many financial questions you might have. This is the kind of bank you want to partner with for your company’s savings and borrowing needs.

Simsbury Bank was opened in 1995 in response to the lack of credit locally and since then we have pursued a strategy of listening to and understanding our customers’ needs, offering knowledgeable advice, tailored financial solutions and delivering excellent customer service. Today, as in 1995, Simsbury Bank stands ready to help you figure out the best course of action for your money.

We’re not a distant 1-800 number; you’ll feel like we are right down the street. We know the community and its savings and borrowing needs. Our experienced advisors and management live here. We can help you. Come talk with us.

Safety and Soundness.

We offer complete FDIC insurance and we are open for your borrowing needs.

Congress recently increased the insurance limits to $250,000 per accountholder through December 31, 2009. This increased limit applies to businesses and individual consumers. Simsbury Bank is fundamentally very strong, you can further rest assured that your money is backed by the full faith and credit of the United States government.

Simsbury Bank is ready for business and eager to help local businesses with their financing needs. We also offer our business customers excellent cash management services and loans to help grow their businesses. We are here to help businesses achieve their goals with our strong and experienced team of bankers armed with the credit and deposit services you need.

We never participated in the risky lending behavior that is behind the current economic troubles. We don’t have any sub-prime loans, we never gave loans to people we knew could never pay it back. Our lending guidelines and fundamentals have not changed. We offer businesses excellent loan products. Our underwriting standards remain, as they were through the sub-prime mortgage mania, conventional and geared toward helping businesses finance their operations and expansion plans.

Options and Advice.

Maximize your borrowing options. Maximize Your FDIC Insurance.

Here at Simsbury Bank, we are ready to lend. You hear about business’s losing access to credit, their lines being reduced or shut down. We have not tightened our requirements in light of these times – we haven’t had to. We have always used sound and prudent lending guidelines for underwriting and we are committed to these fundamentals. We continue to provide businesses with the loan products and services they need, from:

• Lines of credit
• Term loans
• Real estate loans

We have highly seasoned professionals to help your business operate and expand. And you’ll get competitive rates in addition to valuable advice.

With Simsbury Bank you get more than safe accounts, you get the information you need to manage your money. We have ways to increase your insured deposits. Some of the options we offer are:

Traditional FDIC insurance. FDIC insurance has been increased per business accountholder to $250,000 maximum per institution through December 31, 2009.

CDARS (Certificate of Deposit Account Registry Service) is a way Simsbury Bank can offer your business increased FDIC insurance for 100% of your CD deposits up to $50 million. We will place your CDs with other CDARS Program institutions, all of whom are FDIC insured, spreading out your deposits as needed to keep all of your deposits under the FDIC insurance maximums. The result is that your money remains below the FDIC insured maximum at each institution and you are fully covered with FDIC insurance. You can elect to exclude specific other institutions so as to preserve the FDIC insurance if you already have deposits there. Your benefits include:

• one statement
• one interest rate
• no fees
• choice of maturities
• Simsbury Bank as your bank to respond to your questions.

If you are an attorney, this program can work with your IOLTA account to protect your clients’ funds. Let a trained Simsbury Bank advisor help you decide if the CDARS Program is an option that works best for you.

Repurchase Program for business customers increases the extent of your insured balances. The Bank can guarantee 100% of your funds by collateralizing your high balance accounts with short term investment in U.S. Treasury or agency securities. Your business earns the interest on these securities during the term of the deposit. We also have other cash management ideas that can help you safeguard your money. Let a Simsbury Bank advisor discuss how this works and how it can benefit your business.

Smaller Is Better.

In these times, Simsbury Bank has lots of ways to help you protect your businesses money and fund its operations and expansion. By virtue of our size and our dedication to providing personalized service, we can take the time to explain all of your options completely. You also want to work with a bank that will be here tomorrow. With Simsbury Bank, you get great advice, great options and security.

Talk with us, call us or visit us at any of our branches. Read the letter from the President of Simsbury Bank, Martin Geitz. Or, if email suits you, you can send us a message or a question through the Contact Us page of our website – one of our trained advisors will respond to you by the next banking day.