Up Passbook CD have a $1,000 minimum opening deposit. subject to consent and a substantial penalty. Posted The Interest Rate and Annual Percentage Yield established for earnings may be withdrawn without penalty. Please see the Information: For information on People’s United products, your account will not be changed by the Bank during its term Consumer Deposit Account Agreement for details regarding to change the term of your CD, or for current rates, call us Schedule of Deposit (“guaranteed”). You may change or “bump-up” the interest withdrawal penalties. at 1-800-772-1090. Or speak with a Customer Banking rate once during the original Bump-Up CD term. The new Representative at any office of People’s United Bank. Account Charges bump-up rate will match the interest rate currently in effect at the time the bump-up option is exercised for the comparable non-promotional People’s United Bank CD term, will be in Retirement, Education You can also contact us online at www.peoples.com and effect for the remainder of the original term, and will not be and Health Savings Plans 1 We limit the total Overdraft and Uncollected Fees we charge to Deposit Accounts retroactive. To request this change, you must visit a or There is a $50 fee for processing a transfer to another your account (whether paid or returned) to a maximum of 5 per call us at 1-800-772-1090. custodian/trustee from an IRA, SEP/IRA, Roth IRA, Keogh, day. We will not charge you an Overdraft or Uncollected Fee if, after Schedule of Interest Corporate Business Retirement Plan, Coverdell Education all items have been posted at the end of day, your account is Fixed Rate Accounts overdrawn by less than $5. If, at the end of day, your account The Interest Rate and Annual Percentage Yield established for Savings Account or Health Savings Account. is overdrawn by $5 or more, we will charge you an Overdraft or your account will not change during its term (“guaranteed”). Uncollected Fee for each transaction that overdraws your account. Interest is calculated on a Daily Balance Method. This method Other Charges 2 There is no fee for transactions made through your Advantage, applies a daily periodic rate to the principal in the account Overdraft Item Fee (paid or returned)1 $37.00 Advantage Plus, Premier Advantage, or Wealth Advantage Checking each day. Uncollected “UAF” Item Fee (paid or returned)1 $37.00 account or its related Advantage Savings, Advantage High Yield Overdraft/UAF Protection-Sweep Transfer $12.00 Savings, Premier Advantage Savings, Premier Advantage High Yield Passbook CD: $1,000 minimum opening deposit. Abandoned Account Escheatment $50.00 Savings, Advantage Money Market or Premier Advantage Money The Schedule of Deposit Account Charges and Market accounts. The receiving institution may charge for the Bond (per ): the Deposit Accounts Schedule of Interest Statement CD: $1,000 minimum opening deposit. transaction. depositing $5.00 3 This fee is waived for Advantage checking products. are part of your Consumer Deposit Account returned $17.50 4 Express courier delivery service. Agreement, Funds Availability Policy, and Plus EasySaver® CD and Retirement EasySaver CD: No Cashier’s Check2 $10.00 5 People’s United will charge your Account for each photocopy Electronic Fund Transfers Disclosure Statement opening deposit is needed. The Interest Rate is set on the date Check Images Monthly Fee3 $3.00 of any sales slip. People’s United will not impose a charge, and Agreement. The Schedule of Deposit of the first deposit. Account requires regular Pre-authorized however, if a sales slip reveals a billing error in your account. Transfer deposits from a personal checking account. Debit/ATM Card Replacement Fee $10.00 Account Charges describes the charges we may 4 6 Your personal checking, savings or money market account is Debit/ATM Card RUSH Replacement Fee $25.00 considered dormant if you do not initiate a deposit or withdrawal make in connection with your People’s United 5 Plus CD: $500 minimum opening deposit. Plus CDs are Debit Card Sales Draft Copy $10.00 (“activity”) in the account for more than 12 months. After 12 months Deposit Accounts, Savings Accounts, Certificates statement accounts which require linkage to an open personal Debit Card Cash Advance Fee $3.00 of no activity the account will be charged $5 each month the of Deposit (CDs) or Retirement Plans. We may checking account and which show all account activity on your Dormant Account Monthly Fee6 $5.00 account remains inactive. monthly personal checking statement. Expedited Online Bill Payments: 7 This fee will be waived for Premier Advantage and Wealth deduct these charges from your Account. The Advantage checking customers. Electronic Payment $5.95 Deposit Accounts Schedule of Interest describes Retirement CD: $1,000 minimum opening deposit. 8 This fee applies to Plus, Interest Plus, ePlus Checking and Student Plus Check Payment $17.95 Checking accounts. To avoid this fee, enroll in electronic statements additional terms that govern the payment Foreign Check Collection $35.00 online at www.peoples.com, also turning paper statements off. of interest on your People’s United Deposit 7 to 90 Day Retail Jumbo CD: $100,000 minimum opening Foreign Currency Exchange Transaction Fee: Changes to your paper statement election do not take effect until the Accounts, Savings Accounts, Certificates of deposit. Exchange Fee7 $7.00 next statement cycle. This fee will be waived for Plus and Interest Deposit (CDs) and Retirement Accounts. Small Order Purchase Surcharge (USD Value Plus Checking account holders who are 65 years old or older. How People’s United Pays Interest 9 Please ask your Customer Banking Representative for assistance in Interest is compounded daily from day of deposit to day of $0.00 to $149.99) $10.00 determining your final charge. Printed Check Charges are deducted withdrawal on all accounts except Jumbo CDs, which earn Express Domestic Delivery Service Fee $15.00 automatically from your checking account. Each Advantage Checking simple interest. Interest on all accounts is computed based on Foreign Currency Draft $15.00 or Premier Advantage Checking account will automatically receive a 365-day year (except during a leap year, in which case a 366- Interim Statements $5.00 a credit of up to $15 towards each personal style check order. You day year may apply). Interest begins to accrue on the day of Legal Process $100.00 are responsible for shipping and handling charges for your check deposit for non-cash deposits as well as cash deposits. 8 order. Wealth Advantage Checking accounts receive free check Paper Statement Monthly Fee $3.00 orders. Passbook Replacement $10.00 Interest is calculated on the Ledger Balance in your account Personal Money Order (PMO) $5.00 † Investments are available through People’s Securities, Inc., a each day using the Daily Balance Method. This method Senior Citizen $4.00 subsidiary of People’s United Bank, member FINRA and SIPC. applies a daily periodic rate to the principal in the account Printed Check Charges9 Prices Vary each day. Interest is credited monthly and at maturity on all Research Charges: accounts except Jumbo CDs, on which interest is credited only Securities (including Mutual Funds) products are: at maturity. per page $3.00 per hour or any portion of an hour $25.00 Not FDIC, state or federal agency insured The Interest Rate is the annual rate of interest paid on an Return Deposited Checks/Drafts $15.00 No bank, state or federal agency affiliation or guarantee 2 account before compounding. The Annual Percentage Yield Senior Citizens $5.00 May lose value, including possible loss of principal is the percentage reflecting the total amount of interest paid, Stop Payment $35.00 based on the Interest Rate and frequency of compounding Wire Transfers: over a one-year period. The APY assumes that the principal outgoing U.S. $ (domestic)2 $30.00 and interest remain on deposit, and that there are no other outgoing U.S. $ (international)2 $40.00 transactions. outgoing foreign currency (international)2 $40.00 incoming (domestic and international)2 $15.00 Withdrawals on a term account (CD) prior to maturity are ©2021 People’s United Bank, N.A. | Member FDIC | Equal Housing Lender L0104 7/21 L0104 7/21 0109 0109 6 7 Effective July 1, 2021 maintaining your ePlus Checking. This charge does not apply if The “Minimum Daily Balance” is the lowest Ledger Balance in at any time during the month. The minimum balance to open during your statement cycle you meet the following condition: your account on any given Business Day during the statement this account is $1,000. People’s United Personal Checking 1. Ten (10) or more electronic payment transactions post to cycle. Ledger Balance can be found on your monthly Accounts your ePlus Checking account. Electronic payment transactions statement in the “Balance” column. “Average Daily Balance” Charges on Passbook Savings, Statement Savings, and This section applies to all People’s United Personal checking include: is the sum of each calendar day’s Ledger Balance divided by Passbook Money Markets do not apply if the primary owner accounts except where it is otherwise stated. The minimum a. Online bill payments using our and Bill Pay the number of calendar days in the statement cycle and can is under 18 or over 65 years of age. You must notify us if this deposit to open a personal checking account is $25, with the services at www.peoples.com (Excluding transfers or be found on your monthly statement as “Average Balance”. applies to you, and provide us with proof of your date of birth. exception of Health Savings. person-to-person payments). On days where there are no transactions, the previous days b. Point-of-Sale purchases made using your People’s United Ledger Balances is that days Ledger Balance. Plus Savings, Advantage Savings and Premier For Interest Bearing Checking Accounts, the Interest Rate and Bank Debit Card. Advantage Savings**: A $5 monthly service charge applies if Annual Percentage Yield may vary daily. We may change the People’s United ATM and Debit Card Services the Daily Balance in your account falls below $500 at any time Interest Rate on your account at any time at our discretion. Student Plus Checking*: There is a $10 monthly service People’s United ATMs and POS purchases: There is no during the statement cycle. The minimum balance to open Interest is calculated on a Daily Balance Method. This method charge for Student Plus Checking. This charge does not charge for transactions made at People’s United ATMs or this account is $50. This fee is waived if your account is linked applies a daily periodic rate to the principal in the account apply if during your statement cycle you meet any one of the for Point-of-Sale (POS) purchases made using your ATM or to the applicable open personal checking account product each day. following conditions: Debit Card wherever you see the NYCE®, Maestro®, Cirrus® or required for relationship pricing. 1) The primary or secondary account owner is aged 23 or Mastercard® symbols. Premier Advantage Checking: There is a $30 monthly service under (minimum age requirements apply; ask a Banker Plus Money Market, Advantage Money Market and charge for maintaining your Premier Advantage Checking. for details) OR Non-People’s United Network ATM Transactions: Each Premier Advantage Money Market**: A $5 monthly service This charge does not apply if you keep a Combined Average 2) You keep a Minimum Daily Balance of $1,000 or more in transaction made using a NYCE, Maestro or Cirrus network ATM, charge applies if the Daily Balance in your account falls below Ledger Balance of $75,000 or more during your statement your Student Plus Checking account. terminal, or other device in the U.S. is $3.00, including (where $2,500 at any time during the statement cycle. The minimum cycle in your personal checking, savings, money market, available) withdrawals, transfers, balance inquiries, deposits or bill balance to open this account is $2,500. This fee is waived Certificate of Deposit (CD), retirement accounts at People’s *We reserve the right to convert your Student Plus Checking to payments. Student Plus Checking accounts owned by someone if your account is linked to the applicable open personal United Bank, outstanding home equity loan/HELOC balances Plus Checking, if you no longer meet the eligibility criteria. aged 23 or younger also receive a waiver of up to two (2) Network checking account product required for relationship pricing. and/or investments† at People’s Securities, Inc. Insurance, ATM transactions per statement cycle. Advantage Checking, annuities and investments that you may have purchased Interest Plus Checking: There is a $10 monthly service charge Premier Advantage Checking and Wealth Advantage Checking The “Daily Balance” is the Ledger Balance on any Business Day in your through People’s Securities, Inc. that do not appear on your for maintaining your account. This charge do not apply if accounts receive unlimited Network ATM transactions at no account during your monthly assessment period. Ledger Balance can be found on your monthly statement in the “Balance” column. On days where People’s Securities, Inc. account statement are not included you keep an Average Daily Balance of $1,000 or more in your charge. When you use an ATM or POS terminal not owned by us, in your Combined Average Ledger Balance. This is an interest there are no transactions, the previous days Ledger Balances is that days Interest Plus Checking during your statement cycle. This is an you may be charged a fee by the terminal operator (sometimes Ledger Balance. bearing checking account. interest bearing checking account. called a convenience fee or surcharge). **Relationship pricing requires that your Plus Savings or Plus Money Advantage Checking: There is a $25 monthly service charge Wealth Advantage Checking: Wealth Advantage Checking Usage of International ATMs is $3.00 per transaction. This fee is Market be linked to an open Plus Checking, ePlus Checking, Student Plus for maintaining your Advantage Checking. This charge does is available to select Wealth Management or Private Banking waived for Premier Advantage Checking or Wealth Advantage Checking or Interest Plus Checking account, that your Advantage Savings not apply if you keep a Combined Average Ledger Balance of or Advantage Money Market be linked to an open Advantage Checking clients with $500,000 or more in assets under management. Checking accounts. account, or that your Premier Advantage Savings or Premier Advantage $7,500 or more during your statement cycle in your personal Other restrictions may apply. There is no monthly service checking, savings, money market, Certificate of Deposit (CD), Money Market be linked to an open Premier Advantage Checking or Wealth charge for maintaining your Wealth Advantage Checking. An International Assessment Fee equal to 3% of the U.S. dollar Advantage Checking account. There is a limit to the number of accounts retirement accounts at People’s United Bank, outstanding that may be linked for relationship pricing. We reserve the right to convert † This is an interest bearing account. The minimum to open this amount applies to each transaction made with your ATM home equity loan/HELOC balances and/or investments at account is $25. or Debit Card in a foreign country or foreign currency. We ineligible accounts to a Statement Savings account without prior notice. People’s Securities, Inc. Insurance, annuities and investments will refund this fee when assessed to a Premier Advantage that you may have purchased through People’s Securities, Inc. Health Savings: There is a $5 monthly service charge for Checking or Wealth Advantage Checking account. Retirement Money Market: $1 minimum opening deposit. that do not appear on your People’s Securities, Inc. account maintaining your Health Savings account. This charge does not Available for Retirement Plans only. statement are not included in your Combined Average Ledger apply if you meet one of the following conditions: Balance. Variable Rate Savings Accounts and 1. Keep an Average Daily Balance of $1,000 or more in your Variable Rate Passbook CD: $100 minimum opening Investment Accounts deposit. Additional deposits may be made at any time. Plus Checking: There is a $10 monthly service charge for Health Savings during your statement cycle 2. If you are an owner of an Advantage, Advantage Plus, In all variable rate accounts, the Interest Rate and Annual maintaining your Plus Checking. This charge does not apply Percentage Yield (APY) may change. We may change the Variable Rate Retirement CD: $100 minimum opening if during your statement cycle you meet any one of the Premier Advantage or Wealth Advantage Checking account Interest Rate on your account at any time at our discretion deposit. Available for Retirement Plans only. Additional following conditions: except as noted. Interest is calculated on a Daily Balance deposits of $100 or more can be made up to the IRS limit. 1. You keep a Minimum Daily Balance of $1,000 or more 3. If you were enrolled in our Workplace Banking program through your employer prior to April 1, 2020. Method. This method applies a daily periodic rate to the in your Plus Checking, OR 2 Year Treasury Rate Retirement CD: On the first Wednesday principal in the account each day. 2. An account owner is age 65 or older. You must notify of each January, April, July and October, the APY will reprice to us if this applies to you, and provide us with proof of This account has a $3 paper statement fee for each monthly match the rate on the 3-month U.S. Treasury Bill, also referred paper statement we send to you for your Health Savings Passbook Savings and Statement Savings: A $5 monthly your date of birth. This waiver does not apply to service charge applies if the Daily Balance in your account to as the 91-day or 13-week Treasury Bill. Treasury Bill rates are non-personal titles. OR account. The monthly paper statement fee will be waived if listed in The Wall Street Journal and other major . you are an owner of an Advantage, Advantage Plus, Premier falls below $500 at any time during the month. The minimum 3. You receive one or more electronic direct deposits of balance to open this account is $50. your pay or of your federal benefit payment, such as Advantage or Wealth Advantage Checking account. Health Plus Bump-Up CD, Retirement Bump-Up CD and Social Security, into your Plus Checking. Savings is an interest bearing checking account. $0 minimum Bump-Up Passbook CD: The Plus Bump-Up CD has a $500 opening deposit. Passbook Money Market: A $5 monthly service charge applies if the Daily Balance in your account falls below $1,000 minimum opening deposit, and requires a linked personal ePlus Checking: There is a $10 monthly service charge for checking account. The Retirement Bump-Up CD and Bump-

2 3 4 5