Released on: August 7, 2008, 8:31 am

Press Release Author: First National Bank Of Litchfield

Industry: Financial

Press Release Summary: CD Account Registry Service is a boon to bank customers

The First National Bank of Litchfield announces its participation in a service
giving customers access to up to $50 million in FDIC insurance. This enables FNBL to
offer clients risk-free investing.


Press Release Body: Litchfield, CT (August 7, 2008) - Using a little-known federal
deposit-insurance service, The First National Bank of Litchfield offers customers
the unprecedented ability to access up to $50 million in federal deposit insurance.

Using the Certificate of Deposit Account Registry Service (or CDARS), FNBL can, in
effect, provide customers with the opportunity for a risk-free investment.

"With the safety and convenience that our bank offers through CDARS, our customers
have a smart option to help them manage their money," said Joseph Greco, President
and Chief Executive Officer of The First National Bank of Litchfield. "There are few
guarantees in life; FDIC insurance is one of them."

In 1980, Congress set FDIC coverage limits at $100,000 per account. Inflation over
the past 26 years has eroded more than half the value of that coverage. Now, bankers
using CDARS can offer their customers much more - up to five hundred times more.

"Who needs it? Not just the wealthy. Retirees, small business owners, nonprofit
organization managers - anyone who wants security," Mr. Greco added.

How does CDARS work? Through a sophisticated network, The First National Bank of
Litchfield places customers' deposits with other FDIC-insured banks, allowing
customers the full access of FDIC deposit insurance through those institutions,
while maintaining the ability to manage all their funds through a single portfolio
at FNBL.

In addition, the CDARS program eliminates the tiresome management of multiple
interest rates for customers' different CDs; plus, with only one monthly statement
that lists every certificate of deposit they own, customers benefit from having less
paper to manage. the institution benefits from lower printing and mailing costs. and
the planet benefits from reduced consumption of resources. What's more, there's just
one year-end tax form to worry about.

"Customers benefit from the ease of working with only one institution - The First
National Bank of Litchfield - and receiving only one statement," Mr. Greco said.

For additional information about CDARS, visit www.fnbl.com or phone The First
National Bank of Litchfield at 860-567-1814.


About The First National Bank of Litchfield: The First National Bank of Litchfield
has been serving the communities of Northwestern Connecticut since 1814. FNBL
continually strives to bring innovative banking solutions to the communities it
serves. For additional information about The First National Bank of Litchfield,
visit www.fnbl.com.


Web Site: http://www.fnbl.com

Contact Details: First National Bank of Litchfield
13 North Street
Litchfield, CT 06759
Phone: (860) 567-2672
Fax: (860) 567-9326

Presscontact:Amy Mitchell
amitchell@fnbl.com