Banking in Connecticut - Litchfield Bancorp

Service Charges:	Business 50	Business 150	Business Analysis	Commercial DBA (5) *Sole proprietor only
Monthly Maintenance Charge	$10.00	$14.00	$12.00	$10.00
Minimum Average Daily Balance to Avoid Monthly Maintenance	$1,000	$10,000	N/A	$1,000
Minimum Average Daily Balance in Linked Target Money Market to Avoid Maintenance Charge	$10,000	$15,000	N/A	$10,000
Earnings Allowance	N/A	N/A	Yes (1)	N/A
All Processed Item Service Charge	No fee for first 50 checks and ACH debits combined, posted to the account in any monthly period. $0.25 for each check and ACH debit over the monthly limit.	No fee for first 150 checks and ACH debits combined, posted to the account in any monthly period. $0.25 for each check and ACH debit over the monthly limit.	N/A	No fee for first 50 checks and ACH debits combined, posted to the account in any monthly period. $0.25 for each check and ACH debit over the monthly limit.
Fee per Check Paid	N/A	N/A	$0.15	N/A
Fee for Each Deposit	There is no charge for deposits	There is no charge for deposits	$0.25	There is no charge for deposits
Fee per Item Deposited	There is no charge for deposited items	There is no charge for deposited items	$0.13	There is no charge for deposited items
Fee per ACH Debit, Credit & ACH Return Items	N/A	N/A	$0.10	N/A
Sweep Maintenance Service Charge	N/A	N/A	$50.00	N/A
Fee for Each Additional Interim Statement	$15.00 (4)	$15.00 (4)	$15.00 (4)	$15.00 (4)
Miscellaneous Fees:	Stop Payments $25.00 (4) Overdraft Fee per Item $25.00 (4) Returned Deposited Item$15.00 (4) Certified Check Charge $20.00 (4) Tax Levy $40.00 (3),(4) Legal Process $40.00 (3),(4) Online Banking Monthly Bill Pay Fee $9.95 Wire Transfers Domestic $20.00 (4) Foreign $36.00 (4)	Stop Payments $25.00 (4) Overdraft Fee per Item $25.00 (4) Returned Deposited Item$15.00 (4) Certified Check Charge $20.00 (4) Tax Levy $40.00 (3),(4) Legal Process $40.00 (3),(4) Online Banking Monthly Bill Pay Fee $9.95 Wire Transfers Domestic $20.00 (4) Foreign $36.00 (4)	Stop Payments $25.00 (4) Overdraft Fee per Item $25.00 (4) Returned Deposited Item$15.00 (4) Certified Check Charge $20.00 (4) Tax Levy $40.00 (3),(4) Legal Process $40.00 (3),(4) Online Banking Monthly Bill Pay Fee $9.95 Wire Transfers Domestic $20.00 (4) Foreign $36.00 (4) Currency Straps per strap $0.35 Rolled Coin per roll $0.20	Stop Payments $25.00 (4) Overdraft Fee per Item $25.00 (4) Returned Deposited Item$15.00 (4) Certified Check Charge $20.00 (4) Tax Levy $40.00 (3),(4) Legal Process $40.00 (3),(4) Online Banking Monthly Bill Pay Fee $9.95 Wire Transfers Domestic $20.00 (4) Foreign $36.00 (4)

Target Money Market Account (2)

Monthly Maintenance Charge	$10.00
Minimum Balance to Avoid Monthly Maintenance Charge	$1,000
Fee per Check Paid	None
Fee for each Deposit	None
Fee per Item Deposited	None
Fee for Each Additional/Interim Statement	$15.00
You may make six (6) withdrawals per month. Each subsequent withdrawal (per check charge will apply)	$10.00

(1) Earnings Allowance: You will earn a competitive monthly allowance on deposit balances in the account to offset charges. The earnings allowance varies with prevailing rates, may be adjusted monthly. Please see your account officer or visit one of our banking offices to determine which charges can be offset by the earnings allowance, the current rate, and the minimum balance level you need to avoid certain charges.

(2) You must maintain a Business 50 Checking, a Business 150 Checking, a Commercial DBA or a Business Analysis account to qualify for this account.

(3) Applies to court ordered Trustee Summons and Levies imposed by the Internal Revenue Service or the State of Connecticut.

(4) These Charges are not included in analysis.

(5) This account is governed by The Consumer Deposit Account Contract.

Items that appear in bold type represent changes that take effect on April 15, 2007

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Target Money Market Account (2)