SAL

Salisbury Bancorp, Inc. is a bank holding company for Salisbury Bank and Trust Company (the Bank). The Bank is a Connecticut-chartered and Federal Deposit Insurance Corporation (the FDIC) insured commercial bank. The Bank provides commercial banking, consumer financing, retail banking and trust and wealth advisory services through a network of over 14 banking offices and approximately 10 automated teller machines (ATMs). The Bank originates commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one- to four- family residences, home equity lines of credit, fixed rate loans and other consumer loans. The Bank's securities portfolio includes the United States Government and Agency securities, mortgage-backed securities, corporate bonds, collateralized mortgage obligations and municipal bonds. The Bank uses deposits, repayments and sales, and borrowings to fund lending, investing and general operations.