People's United Bank - Home Equity - CT Loan Rates and Terms

Rate	Annual Percentage Rate	Line Requirement	Minimum Advance/Balance
3.49%	Prime minus .51	$200K - $500K	$0
3.74%	Prime minus .26	$100,000 - $1,000,000	$0
4.00%	Prime plus 0	$50,000-$99,999	$0
5.00%	Prime plus 1.00	$10,000 - $49,999

Amounts over $1,000,000 will be considered on an exception basis. Please call for pricing. To apply for a Home Equity Credit Line Amount in the amount of $500,000 or more, please visit one of our over 150 branches or call us at 1-800-772-1090.For term information see disclosure below.

*Rates effective 10/30/2008 and are subject to change without notice. The Annual Percentage Rate ("APR") is variable each month and will be established based on an Index, which is the highest United States Prime Rate as published in the Eastern edition of The Wall Street Journal on the last business day before the start of each month's billing cycle. If you receive a credit line amount of $200,000 to $500,000, and you maintain a People's United Bank checking account throughout the term of the line, your APR will be equal to the Index minus .51 percentage points (as of 10/30/2008, this APR is 3.49%). For all other approved lines of $100,000 to $1,000,000, your APR will be equal to the Index minus .26 percentage points (this APR as of 10/30/2008 is 3.74%). For approved line amounts of $50,000 - $99,999, your APR will be equal to the Index plus 0 percentage point (this APR as of 10/30/2008 is 4.00%). For approved line amounts of $10,000 to $49,999, your APR will be equal to the Index plus 1.00 percentage point (this APR as of 10/30/2008 is 5.00%). Please call for current rates and terms. The maximum APR is 17%. The minimum APR is 3%. There is a $50 annual fee, which is waived for Advantage PlusTM and Advantage Plus PremierTM account holders for the first year only. If you close your account within two (2) years after the date of your Note, you must pay a prepayment fee of $500. If you close your account after the second anniversary of the date of your Note, there will be no prepayment fee. Existing People's United Equity Credit Line customers are not eligible for this offer. Property insurance required. Flood insurance may be required. Equity Credit Lines are available only for 1-4 family owner-occupied properties and approved condominiums located in Connecticut and are not available on cooperatives or properties listed for sale. The Equity Credit Line has a minimum line amount of $10,000 and a maximum line amount of $1,000,000. Other terms and conditions apply. Terms are subject to change without notice. Consult your tax advisor regarding the deductibility of interest.

The allowable equity limits are as follows. People's United Equity Credit Lines are available with an LTV (Loan to Value Ratio) up to 80% for a 1 family home with loan amounts up to $250,000, 70% for a 1 family home with loan amounts from $250,001 to $500,000, 70% for a 2-4 family home with loan amounts up to $250,000, 60% for a 2-4 family home with loan amounts from $250,001 to $500,000, 65% for a Condominium with loan amounts up to $250,000, 60% for a Condominium with loan amounts form $250,001 to $500,000, 65% for a 1 family home with loan amounts from $500,001 to $1,000,000, 55% for a 2-4 family home with loan amounts from $500,001 to 1,000,000, 55% for a Condominium with loan amounts from $500,001 to $1,000,000. The LTV is determined by People's United at the time of your application and is calculated by dividing the combined balance of your first mortgage and the amount of the People's United Equity Credit Line for which you are applying by the value of your home as appraised by People's United.

Because individual situations differ, please consult your tax advisor regarding the deductibility of interest.

Annual Percentage Rate	Amount	Available Terms (Years)
6.24%	$50,000 - $500,000	5
6.25%	$50,000 - $500,000	7
6.375%	$50,000 - $500,000	10
6.50%	$25,000 - $49,999	5, 7 & 10
7.75%	$10,000 - $24,999	5
7.875%	$10,000 - $24,999	7 & 10
6.625%	$25,000 - $500,000	15
6.99%	$25,000 - $500,000	20

Offer available to Connecticut homeowners only. Annual Percentage Rate is effective 10/29/2008 and is subject to change without notice. Repayment example: A 5-year $50,000 Home Equity Loan at 6.24% Annual Percentage Rate (APR) will have 60 monthly payments of $972.23. A 7-year $50,000 Home Equity Loan at 6.25% APR will have 84 monthly payments of $736.43. A 10-year $50,000 Home Equity Loan at 6.375% APR will have 120 monthly payments of $564.57. A 5-year $25,000 Home Equity Loan at 6.50% APR will have 60 monthly payments of $489.15. A 7-year $25,000 Home Equity Loan at 6.50% APR will have 84 monthly payments of $371.24. A 10-year $25,000 Home Equity Loan at 6.50% APR will have 120 monthly payments of $283.87. A 5-year $10,000 Home Equity Loan at 7.75% APR will have 60 monthly payments of $201.57. A 7-year $10,000 Home Equity Loan at 7.875% APR will have 84 monthly payments of $155.24. A 10-year $10,000 Home Equity Loan at 7.875% APR will have 120 monthly payments of $120.67. A 15-year $50,000 Home Equity Loan at 6.625% APR will have 180 monthly payments of $439.00. A 20-year $50,000 Home Equity Loan at 6.99% APR will have 240 monthly payments of $387.35. Loan available only for 1-4 family owner-occupied homes and approved condominiums located in Connecticut, and are not available on cooperatives or properties listed for sale. The Home Equity loan is not a revolving line of credit, but a term loan, which will result in a mortgage on the home. Property insurance is required. Flood insurance may be required. There is a prepayment fee of $500 if the loan is closed within two (2) years after the date on the Note. After two years there is no prepayment fee. Minimum loan amount is $10,000. Loan amounts exceeding $500,000 will be considered on an exception basis and will be priced higher. For loan requests $10,000-$250,000 you can borrow up to 80% of the equity in your home (70% for 2-4 family homes and 65% for condominiums) less your current mortgage. For loan amounts $250,001-$500,000 you can borrow up to 70% of the equity in your home (60% for 2-4 family homes and condominiums) less your current mortgage. Offer not available on cooperatives or properties listed for sale. *Because individual situations differ, please consult your tax advisor regarding the deductibility of interest.

Annual Percentage Rate	Amount	Maximum Term
8.75%	$5,000 - $25,000	60 month

*Offer available to Connecticut homeowners only for 1-4 family owner-occupied properties and approved condominiums located in Connecticut and are not available for properties listed for sale or cooperatives. Rates are subject to change without notice. Last change was effective 7/14/2008. Minimum loan amount is $5,000. Maximum loan-to-value is 90%. Repayment example: a 5-year $10,000 TaxSaver^TM Loan at 8.75% Annual Percentage Rate (APR) will have 60 monthly payment of $206.37. A 5-year $25,000 TaxSaver^TM Loan at 8.75% APR will have 60 monthly payments of $515.93. The People's United Bank TaxSaver^TM Loan is not a revolving line of credit, but a five year term loan, which will result in a mortage on the home. Property and/or flood insurance may be required.

Prepayment Fee: There is a prepayment fee of $500 if the loan is closed within two (2) years after the date on the Note. After two years there is no prepayment fee.

* Because individual situations differ, please consult your tax advisor regarding the deductibility of interest.

Annual Percentage Rate	Amount	Maximum Term
13.99%	$2,500 - $5,000	36 month
13.99%	$5,001 - $10,000	48 month

Rates are subject to change without notice. Last change was effective 2/6/2008. Repayment example: a 3-year $5,000 Personal Loan at 13.99% Annual Percentage Rate (APR) will have 36 monthly payments of $170.86;a 4-year $10,000 Personal Loan at 13.99% APR will have 48 monthly payments of $273.21.

Annual Percentage Rate	Amount	Term
18.00%	$500 - $2,500	Revolving

Disclosure
Rates are effective as of 8/10/2005 and are subject to change without notice. A $1.50 monthly fee is charged for the Personal Credit Line but is waived for Advantage Plus Premier and Advantage Plus accounts.