SG 10-24-2018

1 To earn the Reward Rates and ATM fee refunds, all qualifications must be met in the qualification cycle. The “qualification cycle” is a period beginning the first business day of each month through last business day of the month. The “statement cycle” ends the last business day of the month. Make 10 debit card purchases per monthly qualification cycle (transactions must be posted and cleared, not pending). You must be enrolled in our e-Banking service and authorize the Bank to deliver your monthly statements electronically to qualify. If you do not log into your e-Banking account for twelve (12) months, you will be automatically un-enrolled from e-Banking, and e-Statements will expire. A $5.00 monthly service charge for paper statements will be charged each month you do not receive your account statement electronically. As long as you are enrolled when your statement cycles, you will not receive a monthly service charge for that month. You must have at least one direct deposit or one electronic payment post and clear to your account each monthly qualification cycle. 2 ATM Fee Refunds up to $25.00 per cycle when all qualifications are met. ATM Fee Refunds are automatically paid on the last day of your monthly statement cycle. International ATM fees are not refunded. *APY – Annual Percentage Yields are accurate as of 10/01/2018. Minimum deposit to open account is $25. Reward Rate tiers are as follows when qualifications are met: If your daily balance is $.01 up to $25,000, the interest rate paid on the entire balance will be 1.98% with an annual percentage yield of 2.00%. An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $25,000, and the annual percentage yield for this tier will range from 2.00% to .50% depending on the balance in your account. The Base Rate of 0.05% APY will be earned on all balances if qualifications are not met. Rates may change at any time, and may change after the account is opened. Fees may reduce earnings. Available for personal accounts only. Certain restrictions may apply, please contact a Customer Associate at 860.596.2444. Please see our separate Fee Schedule for other fees that may apply to this account. ©Salisbury Bank and Trust Company Member FDIC Equal Housing Lender New York 845.877.9850 Connecticut 860.435.9801 Massachusetts 413.528.1201 9 ATM Fee Refunds Nationwide 2 it’s easy to qualify 1 : …>Ûi >Ì i>ÃÌ £ä `iLˆÌ V>À` «ÕÀV…>Ãià «œÃÌ >˜` Vi>À ̜ ޜÕÀ >VVœÕ˜Ì i>V…“œ˜Ì…Þ µÕ>ˆwV>̈œ˜ VÞVi sign-up for e-Statements and receive your monthly statements electronically …>Ûi £ `ˆÀiVÌ `i«œÃˆÌ œÀ iiVÌÀœ˜ˆV «>ޓi˜Ì «œÃÌ >˜` Vi>À ̜ ޜÕÀ >VVœÕ˜Ì i>V…“œ˜Ì…Þ µÕ>ˆwV>̈œ˜ VÞVi 3 2 1 Learn about all of the benefits at 2.00% APY* on balances from $.01 to $25,000 0.05% APY* on all balances YJGP SWCNKƂECVKQPU CTG PQV OGV 2.00% APY* to 0.50% APY* on balances above $25,000 depending on the balance in the account reward rates 1 interest plus checking base rate Open a Checking Account with a High Interest Rate Today! PRSRT STD U.S. Postage Gt. Barrington, MA Permit No. 36 P.O. Boxholder Star or Rural Rt. Boxholder Carrier Route Hudson Valley • Berkshires • NW Connecticut 57,000 READERS WEEKLY CELEBRATING  50 YEARS! 50 1968 2018