the remainder of the original term, and will not be retroactive. and Health Savings Plans account (whether paid or returned) to a maximum of 5 per day. We To request this change, you must visit a branch or call us at There is a $50 fee for processing a transfer to another will not charge you an Overdraft or Uncollected Fee if, after all items 1-800-772-1090. have been posted at the end of day, your account is overdrawn by Schedule of Deposit custodian/trustee from an IRA, SEP/IRA, Roth IRA, Keogh, less than $5. If, at the end of day, your account is overdrawn by $5 Corporate Business Retirement Plan, Coverdell Education or more, we will charge you an Overdraft or Uncollected Fee for Fixed Rate Accounts Savings Account or Health Savings Account. each transaction that overdraws your account. Account Charges The Interest Rate and Annual Percentage Yield established for 2 There is no fee for transactions made through your Advantage, your account will not change during its term (“guaranteed”). Other Charges Advantage Plus, Premier Advantage, or Wealth Advantage Checking and Interest is calculated on a Daily Balance Method. This method Overdraft Item Fee (paid or returned)1 $37.00 account or its related Advantage Savings, Advantage High Yield applies a daily periodic rate to the principal in the account Uncollected “UAF” Item Fee (paid or returned)1 $37.00 Savings, Premier Advantage Savings, Premier Advantage High Yield Deposit Accounts Savings, Advantage Money Market or Premier Advantage Money each day. Overdraft/UAF Protection-Sweep Transfer $12.00 Passbook CD: $1,000 minimum opening deposit. Market accounts. The receiving institution may charge for the Abandoned Account Escheatment $50.00 transaction. Schedule of Interest Bond Coupons (per envelope): 3 This fee is waived for Advantage checking products. Statement CD: $1,000 minimum opening deposit. depositing $5.00 4 Express courier delivery service. returned $17.50 5 People’s United will charge your Account for each photocopy Plus EasySaver® CD and Retirement EasySaver CD: No Cashier’s Check2 $10.00 of any sales slip. People’s United will not impose a charge, opening deposit is needed. The Interest Rate is set on the date however, if a sales slip reveals a billing error in your account. Check Images Monthly Fee3 $3.00 of the first deposit. Account requires regular Pre-authorized 6 Your personal checking, savings or money market account is Debit/ATM Card Replacement Fee $10.00 Transfer deposits from a personal checking account. considered dormant if you do not initiate a deposit or withdrawal Debit/ATM Card RUSH Replacement Fee4 $25.00 (“activity”) in the account for more than 12 months. After 12 months The Schedule of Deposit Account Charges and 5 of no activity the account will be charged $5 each month the Plus CD: $500 minimum opening deposit. Plus CDs are Debit Card Sales Draft Copy $10.00 the Deposit Accounts Schedule of Interest Debit Card Cash Advance Fee $3.00 account remains inactive. statement accounts which require linkage to an open personal 6 7 This fee will be waived for Premier Advantage and Wealth are part of your Consumer Deposit Account checking account and which show all account activity on your Dormant Account Monthly Fee $5.00 Advantage checking customers. Agreement, Funds Availability Policy, and Expedited Online Bill Payments: monthly personal checking statement. 8 This fee applies to Plus, Interest Plus, ePlus Checking and Student Plus Electronic Fund Transfers Disclosure Statement Electronic Payment $5.95 Checking accounts. To avoid this fee, enroll in electronic statements and Agreement. The Schedule of Deposit Retirement CD: $1,000 minimum opening deposit. Paper Check Payment $17.95 online at www.peoples.com, also turning paper statements off. Foreign Check Collection $35.00 Changes to your paper statement election do not take effect until the Account Charges describes the charges we may next statement cycle. This fee will be waived for Plus and Interest 7 to 90 Day Retail Jumbo CD: $100,000 minimum opening Foreign Currency Exchange Transaction Fee: make in connection with your People’s United 7 Plus Checking account holders who are 65 years old or older. deposit. Exchange Fee $7.00 9 Please ask your Customer Banking Representative for assistance in Deposit Accounts, Savings Accounts, Certificates Small Order Purchase Surcharge (USD Value determining your final charge. Printed Check Charges are deducted of Deposit (CDs) or Retirement Plans. We may How People’s United Pays Interest $0.00 to $149.99) $10.00 automatically from your checking account. Each Advantage Checking deduct these charges from your Account. The Interest is compounded daily from day of deposit to day of Express Domestic Delivery Service Fee $15.00 or Premier Advantage Checking account will automatically receive a credit of up to $15 towards each personal style check order. You Deposit Accounts Schedule of Interest describes withdrawal on all accounts except Jumbo CDs, which earn Foreign Currency Draft $15.00 additional terms that govern the payment Interim Statements $5.00 are responsible for shipping and handling charges for your check simple interest. Interest on all accounts is computed based order. Wealth Advantage Checking accounts receive free check of interest on your People’s United Deposit Legal Process $100.00 on a 365-day year (except during a leap year, in which case a orders. Accounts, Savings Accounts, Certificates of 366-day year may apply). Interest begins to accrue on the day Paper Statement Monthly Fee8 $3.00 of deposit for non-cash deposits as well as cash deposits. Passbook Replacement $10.00 † Investments are available through People’s Securities, Inc., a Deposit (CDs) and Retirement Accounts. Personal Money Order (PMO) $5.00 subsidiary of People’s United Bank, member FINRA and SIPC. Interest is calculated on the Ledger Balance in your account Senior Citizen $4.00 each day using the Daily Balance Method. This method applies Printed Check Charges9 Prices Vary a daily periodic rate to the principal in the account each day. Research Charges: Interest is credited monthly and at maturity on all accounts per page $3.00 except Jumbo CDs, on which interest is credited only at per hour or any portion of an hour $25.00 Securities (including Mutual Funds) products are: maturity. Return Deposited Checks/Drafts $15.00 Not FDIC, state or federal agency insured Senior Citizens2 $5.00 No bank, state or federal agency affiliation or guarantee The Interest Rate is the annual rate of interest paid on an Stop Payment $35.00 May lose value, including possible loss of principal account before compounding. The Annual Percentage Yield Wire Transfers: is the percentage reflecting the total amount of interest paid, outgoing U.S. $ (domestic)2 $30.00 based on the Interest Rate and frequency of compounding outgoing U.S. $ (international)2 $40.00 over a one-year period. The APY assumes that the principal outgoing foreign currency (international)2 $40.00 and interest remain on deposit, and that there are no other incoming (domestic and international)2 $15.00 transactions. Information: For information on People’s United products, Withdrawals on a term account (CD) prior to maturity are to change the term of your CD, or for current rates, call us subject to Bank consent and a substantial penalty. Posted at 1-800-772-1090. Or speak with a Customer Banking earnings may be withdrawn without penalty. Please see the Representative at any office of People’s United Bank. Consumer Deposit Account Agreement for details regarding withdrawal penalties. You can also contact us online at www.peoples.com ©2021 People’s United Bank, N.A. | Member FDIC | Equal Housing Lender L0120 7/21 Retirement, Education 1 We limit the total Overdraft and Uncollected Fees we charge to your L0120 7/21 02 02 6 7 Effective July 1, 2021 1. Ten (10) or more electronic payment transactions post to your monthly statement as “Average Balance”. On days where there are Plus Savings, Advantage Savings and Premier Advantage ePlus Checking account. Electronic payment transactions include: no transactions, the previous days Ledger Balances is that days Savings**: A $5 monthly service charge applies if the Daily People’s United Personal Checking Accounts a. Online bill payments using our Online Banking and Bill Pay Ledger Balance. Balance in your account falls below $500 at any time during the This section applies to all People’s United Personal Checking services at www.peoples.com (Excluding transfers or statement cycle. The minimum balance to open this account is Accounts except where it is otherwise stated. The minimum person-to-person payments). People’s United ATM and Debit Card Services $50. This fee is waived if your account is linked to the applicable deposit to open a personal checking account is $25, with the b. Point-of-Sale purchases made using your People’s United People’s United ATMs and POS purchases: There is no charge open personal checking account product required for relationship exception of Health Savings. Bank Debit Card. for transactions made at People’s United ATMs or for Point-of-Sale pricing. (POS) purchases made using your ATM or Debit Card wherever For Interest Bearing Checking Accounts, the Interest Rate and Student Plus Checking*: There is a $10 monthly service you see the NYCE®, Maestro®, Cirrus® or Mastercard® symbols. Plus Money Market, Advantage Money Market and Premier Annual Percentage Yield may vary daily. We may change the charge for Student Plus Checking. This charge does not apply if Advantage Money Market**: A $5 monthly service charge Interest Rate on your account at any time at our discretion. during your statement cycle you meet any one of the following Non-People’s United Network ATM Transactions: Each applies if the Daily Balance in your account falls below $2,500 at Interest is calculated on a Daily Balance Method. This method conditions: transaction made using a NYCE, Maestro or Cirrus network ATM, any time during the statement cycle. The minimum balance to applies a daily periodic rate to the principal in the account 1) The primary or secondary account owner is aged 23 or terminal, or other device in the U.S. is $3.00, including (where open this account is $2,500. This fee is waived if your account is each day. under (minimum age requirements apply; ask a Banker available) withdrawals, transfers, balance inquiries, deposits or bill linked to the applicable open personal checking account product for details) OR payments. Student Plus Checking accounts owned by someone required for relationship pricing. Premier Advantage Checking: There is a $30 monthly service 2) You keep a Minimum Daily Balance of $1,000 or more in aged 23 or younger also receive a waiver of up to two (2) Network charge for maintaining your Premier Advantage Checking. This your Student Plus Checking account. ATM transactions per statement cycle. Advantage Plus Checking, The “Daily Balance” is the Ledger Balance on any Business Day in your account during your monthly assessment period. Ledger Balance can be charge does not apply if you keep a Combined Average Ledger Premier Advantage Checking and Wealth Advantage Checking Balance of $75,000 or more during your statement cycle in your found on your monthly statement in the “Balance” column. On days where *We reserve the right to convert your Student Plus Checking to accounts receive unlimited Network ATM transactions at no there are no transactions, the previous days Ledger Balances is that days personal checking, savings, money market, Certificate of Deposit Plus Checking, if you no longer meet the eligibility criteria. charge. When you use an ATM or POS terminal not owned by us, Ledger Balance. (CD), retirement accounts at People’s United Bank, outstanding † you may be charged a fee by the terminal operator (sometimes home equity loan/HELOC balances and/or investments at Interest Plus Checking: There is a $10 monthly service charge for called a convenience fee or surcharge). **Relationship pricing requires that your Plus Savings or Plus Money Market People’s Securities, Inc. Insurance, annuities and investments that maintaining your account. This charge does not apply if you keep be linked to an open Plus Checking, ePlus Checking, Student Plus Checking or Interest Plus Checking account, that your Advantage Savings or Advantage you may have purchased through People’s Securities, Inc. that do an Average Daily Balance of $1,000 or more in your Interest Plus Usage of International ATMs is $3.00 per transaction. This fee is not appear on your People’s Securities, Inc. account statement are Money Market be linked to an open Advantage Plus Checking account, or Checking during your statement cycle. This is an interest bearing waived for Premier Advantage Checking or Wealth Advantage that your Premier Advantage Savings or Premier Advantage Money Market not included in your Combined Average Ledger Balance. This is an checking account. Checking accounts. be linked to an open Premier Advantage Checking or Wealth Advantage interest bearing checking account. Checking account. There is a limit to the number of accounts that may be Wealth Advantage Checking: Wealth Advantage Checking is An International Assessment Fee equal to 3% of the U.S. dollar linked for relationship pricing. We reserve the right to convert ineligible Advantage Plus Checking: There is a $25 monthly service charge available to select Wealth Management or Private Banking clients amount applies to each transaction made with your ATM or Debit accounts to a Statement Savings without prior notice. for maintaining your Advantage Plus Checking. This charge Card in a foreign country or foreign currency. We will refund this with $500,000 or more in assets under management. Other Retirement Money Market: $1 minimum opening deposit. does not apply if you keep a Combined Average Ledger Balance fee when assessed to a Premier Advantage Checking or Wealth restrictions may apply. There is no monthly service charge for Available for Retirement Plans only. of $7,500 or more during your statement cycle in your personal maintaining your Wealth Advantage Checking. This is an interest Advantage Checking account. checking, savings, money market, Certificate of Deposit (CD), bearing account. The minimum to open this account is $25. retirement accounts at People’s United Bank, outstanding home Variable Rate Passbook CD: $100 minimum opening deposit. † Variable Rate Savings Accounts and Additional deposits may be made at any time. equity loan/HELOC balances and/or investments at People’s Health Savings: There is a $5 monthly service charge for Securities, Inc. Insurance, annuities and investments that you Investment Accounts maintaining your Health Savings account. This charge does not In all variable rate accounts, the Interest Rate and Annual Variable Rate Retirement CD: $100 minimum opening deposit. may have purchased through People’s Securities, Inc. that do not apply if you meet one of the following conditions: appear on your People’s Securities, Inc. account statement are not Percentage Yield (APY) may change. We may change the Interest Available for Retirement Plans only. Additional deposits of $100 or 1. Keep an Average Daily Balance of $1,000 or more in your Rate on your account at any time at our discretion except as more can be made up to the IRS limit. included in your Combined Average Ledger Balance. This is an Health Savings during your statement cycle interest bearing checking account. noted. Interest is calculated on a Daily Balance Method. This 2. If you are an owner of an Advantage, Advantage Plus, Premier method applies a daily periodic rate to the principal in the 2 Year Treasury Rate Retirement CD: On the first Wednesday Advantage or Wealth Advantage Checking account account each day. of each January, April, July and October, the APY will reprice to Plus Checking: There is a $10 monthly service charge for 3. If you were enrolled in our Workplace Banking program maintaining your Plus Checking. This charge does not apply if match the rate on the 3-month U.S. Treasury Bill, also referred to as through your employer prior to April 1, 2020. during your statement cycle you meet any one of the following Passbook Savings and Statement Savings: A $5 monthly the 91-day or 13-week Treasury Bill. Treasury Bill rates are listed in conditions: service charge applies if the Daily Balance in your account falls The Wall Street Journal and other major newspapers. This account has a $3 paper statement fee for each monthly 1. You keep a Minimum Daily Balance of $1,000 or more below $500 at any time during the month. The minimum balance in your Plus Checking, OR paper statement we send to you for your Health Savings account. to open this account is $50. Plus Bump-Up CD, Retirement Bump-Up CD and 2. An account owner is age 65 or older. You must notify The monthly paper statement fee will be waived if you are an Bump-Up Passbook CD: The Plus Bump-Up CD has a $500 us if this applies to you, and provide us with proof of owner of an Advantage, Advantage Plus, Premier Advantage Passbook Money Market Account: A $5 monthly service charge minimum opening deposit, and requires a linked personal your date of birth. This waiver does not apply to or Wealth Advantage Checking account. Health Savings is an applies if the Daily Balance in your account falls below $1,000 at checking account. The Retirement Bump-Up CD and Bump-Up non-personal titles. OR interest bearing checking account. $0 minimum opening deposit. any time during the month. The minimum balance to open this Passbook CD have a $1,000 minimum opening deposit. The 3. You receive one or more electronic direct deposits of account is $1,000. Interest Rate and Annual Percentage Yield established for your pay or of your federal benefit payment, such as The “Minimum Daily Balance” is the lowest Ledger Balance in your account will not be changed by the Bank during its term Social Security, into your Plus Checking. your account on any given Business Day during the statement Charges on Passbook Savings, Statement Savings and Passbook (“guaranteed”). You may change or “bump-up” the interest rate cycle. Ledger Balance can be found on your monthly statement Money Markets do not apply if the primary owner is under 18 or once during the original Bump-Up CD term. The new bump-up rate will match the interest rate currently in effect at the time ePlus Checking: There is a $10 monthly service charge for in the “Balance” column. “Average Daily Balance” is the sum of over 65 years of age. You must notify us if this applies to you, and the bump-up option is exercised for the comparable non- maintaining your ePlus Checking. This charge does not apply if each calendar day’s Ledger Balance divided by the number of provide us with proof of your date of birth. promotional People’s United Bank CD term, will be in effect for during your statement cycle you meet the following condition: calendar days in the statement cycle and can be found on your

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