People's United Bank - Home Equity

APR*	Line Requirement	Min. Advance/Balance
3.00% (prime minus 1.00)	$200,000 - $500,000	$0
3.74% (prime minus .26)	$100,000- $1,000,000	$0
4.25% (prime plus .25)	$50,000 - $99,999	$0
5.25% (prime plus 1.25)	$10,000 - $49,999	$0

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

Home Equity Credit Line Disclosure

*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 1.00 percentage points (as of 10/30/2008, this APR is 3.00%). 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 to $99,999, your APR will be equal to the Index plus 25 percentage points (this APR as of 10/30/2008 is 4.25%). For approved line amounts of $10,000 to $49,999, your APR will be equal to the Index plus 1.25 percentage points (this APR as of 10/30/2008 is 5.25%). Please call for current rates and terms. The maximum APR is 17%. The minimum APR is 0% for lines less than $250,000 and 3% for lines of $250,000 or more. There is a $50 annual fee which is waived for our Advantage Plus checking account holders. If you close your account within two (2) years after the date of your Note, you will have to pay a prepayment fee of $500. After two years there is no prepayment fee. If the Note is secured by property located in the State of New York, borrower(s) must also pay People?s United Bank back the mortgage tax paid by People's United at the time of origination of the Note. Existing People's United Equity Credit Line customers are not eligible for this offer. Property insurance is required. Flood insurance may be required. Equity Credit Lines are available only for 1-4 family owner-occupied properties and approved condominiums located in Westchester, Rockland, Nassau, Suffolk, Putnam, Dutchess, Orange, Ulster and Sullivan counties of NY and in the NY City boroughs of Bronx, Kings (Brooklyn), New York (Manhattan), Queens and Richmond (Staten Island) 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.

APR*	Amount	Available Terms (Years)
6.74%	$50,000 - $500,000	5
6.74%	$50,000 - $500,000	7
6.875%	$50,000 - $500,000	10
7.10%	$25,000 - $49,999	5
7.00%	$25,000 - $49,999	7 & 10
7.125%	$25,000 - $500,000	15
7.24%	$25,000 - $500,000	20

Home Equity Loan Disclosure

*Offer available to New York 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 6.74% Annual Percentage Rate (APR) will have 60 monthly payments of $983.94. A 7-year $50,000 Home Equity Loan at 6.74% APR will have 84 monthly payments of $748.29. A 10-year $50,000 Home Equity Loan at 6.875% APR will have 120 monthly payments of $577.33. A 5-year $25,000 Home Equity Loan at 7.10% APR will have 60 monthly payments of $496.21. A 7-year $25,000 Home Equity Loan at 7.00% APR will have 84 monthly payments of $377.32. A 10-year $25,000 Home Equity Loan at 7.00% APR will have 120 monthly payments of $290.27. A 15-year $50,000 Home Equity Loan at 7.125% APR will have 180 monthly payments of $452.92. A 20-year $50,000 Home Equity Loan at 7.24% APR will have 240 monthly payments of $394.89. Loans available only for 1-4 family owner-occupied homes and approved condominiums located in Westchester, Rockland, Nassau, Suffolk, Putnam, Dutchess, Ulster and Sullivan counties and in the New York City boroughs of Bronx, Kings (Brooklyn), New York(Manhattan), Queens and Richmond (Staten Island), 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. If the Note is secured by property located in the State of New York, borrower(s) must also pay People's United Bank back the mortgage tax paid by People's United at the time of origination of the Note. After two years there is no prepayment fee. Amounts exceeding $500,000 will be considered on an exception basis and will be priced higher. Other terms and conditions apply. Terms are subject to change without notice. Because individual situations differ, please consult your tax advisor regarding the deductibility of interest.

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

Tax Saver Disclosure

*Offer available to New York homeowners only for 1-4 family owner-occupied properties and approved condominiums located in Westchester, Rockland, Nassau, Suffolk, Putnam, Dutchess, Ulster and Sullivan counties and in the New York City boroughs of Bronx, Kings (Brooklyn), New York(Manhattan), Queens and Richmond (Staten Island), 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 TaxSaverTM Loan at 8.75% Annual Percentage Rate (APR) will have 60 monthly payment of $206.37. A 5-year $25,000 TaxSaverTM Loan at 8.75% APR will have 60 monthly payments of $515.93. The People's United Bank TaxSaverTM Loan is not a revolving line of credit, but a five year term loan, which will result in a mortgage on the home. Property and/or flood insurance may be required.

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

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

Personal Loan Disclosure

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

Personal Credit Line Disclosure

Rates are subject to change without notice. Last change was effective 8/10/2005 and are subject to change without notice. A $1.50 monthly service fee is charged for ther Personal Credit Line. Fee is waived for customer in any of our Advantage Plus products.