Where We Are Today

The Savings Institute Bank and Trust Company has been serving the personal business banking needs of eastern Connecticut since 1842. The bank is the wholly owned subsidiary of SI Financial Group, Inc. (NASDAQ: SIFI) and has enjoyed 166 years as eastern Connecticut ’s pre-eminent financial institution.

Savings Institute Bank and Trust offers a variety of banking and financial services through its 22 offices conveniently located throughout eastern Connecticut . Already enjoying a reputation as the premier provider of traditional savings and checking accounts, the Savings Institute is becoming a leader in small business banking and residential lending. Its deposit products include commercial and consumer checking accounts; savings, NOW, and money market deposits; and certificates of deposit. The bank’s loan portfolio includes commercial, construction, and consumer installment loans, residential mortgages and home equity lines of credit. New to this mix and of special interest to consumers over the age of 62 are reverse mortgages.

The bank offers telephone banking and bill-pay service through its on-line banking service at www.savingsinstitute.com . New in 2008, applicants can now apply for first mortgages on-line. In addition, it provides trust and wealth management services through SI Financial Advisors (SIFA). SIFA also offers national trust outsourcing services for community banks through its subsidiary, SI Financial Servicing in Rutland, VT.

We have successfully addressed today’s Clicks & Bricks society by providing enhanced technology to those customers wanting and needing the convenience of debit cards, home banking and bill pay services. And, for those who still choose to visit the bank in person because of our home town bank atmosphere, our existing network of 22 convenient branch locations, that include four in-store facilities open 7 days a week, is available for all of your banking needs.

On the commercial side, our job is not simply to help businesses arrange financing; it is to build an entire financial relationship with those businesses. Aside from business checking and loans, the bank is now offering 401K* and other Pension Plans, Cash Management, and Commercial Lines of Credit.

The Savings Institute Bank and Trust doesn’t claim to be the best community bank in eastern Connecticut - it just is. That fact is proven every day through the ability to provide its customers with the right product and the right strategy to assist them in addressing all of their financial needs. To us, it’s more than providing good customer service, it’s providing respect for the individual.