Now is the time to take your 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 about your banking questions and guide you while the economy works through its current uncertainties.

We have ways to help you achieve your goals whether they involve savings or borrowing. The news is full of stories that you can’t get a loan today. But here at Simsbury Bank we are ready for your business and have money to lend you. We offer trained financial advisors to help you make the best loan decision. During these trying economic times your dreams don’t stop and neither will we.

Trust and Reliability.

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

Since we opened in 1995, we have pursued a strategy of listening to and understanding our customers’ needs, offering knowledgeable advice, tailored financial solutions and delivering excellent customer service. We are here to help you figure out the best course of action for your money.

We’re not a distant 1-800 number; you know that we are nearby. 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 for your deposits and we are open for your borrowing needs.

Congress recently increased the insurance limits to $250,000 per account holder through December 31, 2009. This limit applies to individuals and businesses. 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 people with their home financing needs. 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 and we are committed to these fundamentals. We offer consumers an excellent array of mortgage and home equity loan products. Our underwriting standards remain, as they were through the sub-prime mortgage mania, conventional and geared toward helping people buy or refinance their home on terms that they can afford.

Options and Advice.

Maximize Your FDIC Insurance. Maximize your borrowing options.

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. While many people think that that limits them to $250,000 maximum per institution through December 31, 2009, we can show you how to configure your accounts, whether it be through single and joint accounts, plus certain retirement and trust accounts, to maximize your FDIC insurance coverage. Each ownership type is insured separately which means that, for example, a husband and wife with children could have over $1 million in FDIC insurance at one bank if they arrange their accounts right. Let us help explain how to best use this option for your situation.

CDARS (Certificate of Deposit Account Registry Service) is a way Simsbury Bank can offer you another way that you can obtain 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 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.

Let a trained Simsbury Bank advisor help you decide if the CDARS Program is an option that works best for you.

Here at Simsbury Bank, we are ready to lend. We have competitive mortgage and home equity loan products that meet the needs of families in our communities. We continue to provide customers with the loan products and services you need, whether you are

• making a home purchase
• refinancing your home
• building a new or remodeling a home
• wishing to access your home equity for important goals such as home improvements, college or other expenditures

You’ll get competitive rates and valuable advice. Apply today!

Smaller Is Better.

In turbulent times, Simsbury Bank has lots of ways to help you protect your money and fund your dreams. By virtue of our size, strong local market knowledge and our dedication to personalized service, we 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 don’t just get great advice, great options and security, you get great rates too.

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.