Fairfield County Bank’s Home Sweet Loan Program is focused on getting you the right home loan and the right Homeowners insurance*…right now!

Earn Rewards Points redeemable for merchandise at
www.premiumprivileges.com

There is a lot of press today about banks, mortgage companies and lending difficulties in general. We think you should know that we are in the lending business and have been since 1871.

Welcome to Home Sweet Loan – our response to making a seemingly less than positive lending economic outlook into a positive for you. A home purchase may well be the most significant investment of your life. So whether you are purchasing a new home, refinancing an existing home or looking for advice on a reverse mortgage we want to sweeten the borrowing experience for you.

Home Sweet Loan offers a variety of residential financing options combined with the resources and experience of Fairfield County Bank, and Ridgefield Bank a division of Fairfield County Bank; we offer:

AND the strength and stability of the community bank that has been making home loans in Fairfield County for more than 137 years.

Right now you can get the home loan you need from a wide range of loan products - mortgages; fixed or variable, Home Equity Lines of Credit and if you are 62 or older consider the benefits of a Reverse Mortgage!

Sample Merchandise and Points shown as follows. View all merchandise at www.premiumprivileges.com

All loans must close by February 15, 2009 to be eligible for rewards. 

DIGITECH® Sports Binoculars 100 points	Look into our many home loan products, then speak with a loan officer about a new loan and get 100 premium privileges rewards points mailed direct to your home.
Craftmaker® Essential Tool 200 points	If you are planning on fixing up your home with the proceeds of your new refinance loan, home equity line of credit or reverse mortgage – you will be happy to know that you will get 100 reward points mailed to you which you can accumulate for future use at www.premiumprivileges.com.
CROSS® Townsend Medalist BallPoint Pen 500 points	Every homeowner needs Homeowners insurance*, and we have the solution for you! Carnall Insurance* is a Fairfield County Bank company and ready to help you with all types of insurance! Sign up for a no-cost, no obligation insurance review, bring your insurance declarations page (The declarations page is the front page and an overview of your insurance policy) and get 300 points mailed to you once you have completed the interview. Ask a loan officer or branch representative to refer you to Carnall Insurance-located in here in Fairfield County!
WENGER® Swiss Military Watch 800 points	Watch how quickly we can move you from loan application to loan closing!
GAMIN®760 Portable Travel Assistant 4,000 points	Drive home from your closing knowing you will soon receive a 2,200 point certificate for mortgages and 200 points for Home Equity Lines of Credit redeemable at www.premiumprivileges.com.
Macy's Shopping Experience 25,000 points	Accumulate the points you have received and add them to the points you get when you open a checking account with us, when you use our VISA® check card for purchases and when you use your VISA check card to shop with certain online merchants through our rewards program site www.premiumprivileges.com.
HUMMER® H3 100,000 points	Anything is possible when you bank your points at  www.premiumprivileges.com accumulate enough. You could drive away in the H3!

*Insurance products offered by Carnall Insurance, a Fairfield County Bank Company. Insurance and Investment Products are: Not insured by FDIC Not a deposit or other form of obligation of the Bank Not insured by any federal government agency Not guaranteed by the Bank Subject to investment risk, may go down in value