SALISBURY BANCORP

Salisbury Bancorp, Inc. is the bank holding company of Salisbury Bank and Trust Company (the Bank). The Bank provides commercial banking, consumer financing, retail banking and trust and wealth advisory services through a network of 14 banking offices and thirteen automated teller machines (ATMs). It 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 and fixed rate loans and other consumer loans. It offers various services, such as landlord/tenant lease security accounts and services, merchant services, payroll services, cash management, Internet banking, person to person payments, bank to bank transfers, mobile banking with remote deposit, remote deposit capture, wire transfers, and positive pay. It also offers fiduciary services, including trust and estate administration, wealth advisory, and investment management.