SPECIAL CD RATES

Effective March 10, 2010 through March 16, 2010

Special Certificate of Deposit Account	Annual Percentage Yield	Interest Rate	Minimum Opening Deposit Required	Minimum Daily Balance to Earn Annual Percentage Yield*
8 Month CD	0.60%	0.60%	$5,000.00	$5,000.00
13 Month CD	1.00%	1.00%	$5,000.00	$500.00
15 Month CD	1.25%	1.25%	$500.00	$500.00
18 Month CD	1.40%	1.40%	$500.00	$500.00
33 Month CD	1.60%	1.59%	$1,000.00	$1,000.00
24 Month BUMP-UP CD	1.45%	1.44%	$1,000.00	$1,000.00

* Daily balance (the amount of principal in the account each day).

The following information applies to all Certificate of Deposit Accounts:

(Current CD rates also apply to Individual Retirement (IRA) Accounts)

Rate and Balance Information:

• The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings

• Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• We use (the daily balance method to calculate interest on your account. this method applies a daily periodic rate to the principal in your account each day. 

• Applies to new money only

Transaction Limitations and Early Withdrawal Penalty:

• After the account is opened you may not make deposits into or withdrawals of principal from the account without our consent, until the maturity date.

• Except in the case of your death or a courts declaration of your incompetence, if you withdraw any principal before the maturity date, a penalty will be charged to your account.

• 24 Month Bump-Up Certificate of Deposit Upon your request we will change the interest rate on your account to Litchfield Bancorp's twenty four (24) month interest rate that is in effect at the time of the request.  The request can be made within thirty (30) calendar days (before or after) of the one year anniversary of your account.  This interest change can only take place one time during the original term of your account and does not change the original maturity date.

Renewal Policy:
Your account will be automatically renewed at maturity unless otherwise noted. 
8 Month Special will be automatically renewed to a 6 Month Certificate at maturity. 
9 Month Special will be automatically renewed to a 9 Month Certificate at maturity. 
13 Month Special will be automatically renewed to a 12 Month Certificate at maturity. 
15 Month Special will be automatically renewed to a 15 Month Certificate at maturity. 
18 Month Special will be automatically renewed to a 18 Month Certificate at maturity.
33 Month Special will be automatically renewed to a 30 Month Certificate at maturity. 
24 Month Bump-Up will be automatically renewed to a 24 Month Certificate at maturity. 

You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged a penalty.

Current Rates:
For rates we are currently offering on Certificate of Deposit Accounts, call (860) 567-9401 any business day.