Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Federal Reserve Bank of Boston (Reserve Bank); and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments.  You may review this information today.

At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a nationwide list of banks that are scheduled for CRA examination in that quarter.  This list is available from The Board of Governors of the Federal Reserve System (the Board), Officer in Charge of Supervision, Federal Reserve Bank of Boston, 600 Atlantic Avenue, Boston, MA 02210. .  You may send written comments about our performance in helping to meet community credit needs to Savings Institute Bank and Trust Company, Deborah Oliver, CRA Officer, 803 Main Street, Willimantic, CT 06226, and Federal Reserve Bank of Boston, Officer in Charge of Supervision. Your letter, together with any response by us, will be considered by the Federal Reserve System in evaluating our CRA performance and may be made public. 

You may ask to look at any comments received by the Reserve Bank.  You may also request from the Reserve Bank an announcement of our applications covered by the CRA filed with the Reserve Bank.  We are an affiliate of SI Financial Group, Inc., a savings and loan holding company.  You may request from the Officer in Charge of Supervision, Federal Reserve Bank of Boston, 600 Atlantic Avenue, Boston, MA 02210 an announcement of applications covered by the CRA filed by savings and loan holding companies.