* You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield. Fees may reduce earnings.
** For current interest rates call 203-431-1986 (available 24 hours per day, seven days a week) or 1-800-416-5866.

The following information applies to the deposit accounts listed above:

Interest Rate and Balance Information for all accounts listed above (other than Choice Checking):

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. For current interest rates call 203-431-1986 (available 24 hours per day, seven days a week) or 1-800-416-5866. Interest begins to accrue on the first business day after the business day you deposit non-cash items (for example checks).

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in your account each day.

Transaction Limitations (see the Consumer Customer Agreements for a further explanation of these limitations):

Regular, Statement Savings, Money Market Passbook and Money Market Statement Savings: You may make up to six pre-authorized or telephone transfers per statement cycle from this account, none of which may be by check or debit card (point of sale transfer), or similar order payable to third parties.

Money Market Checking Accounts: You may make up to six pre-authorized or telephone transfers from this account per statement cycle, no more than three of which may be by check, or similar order payable to third parties. No debit card (point of sale) transfers to third parties are permitted from this account.

Tiered Interest Rate Accounts: These accounts have tiered interest rates. This means that the interest rate and resulting annual percentage yield you earn will depend on the daily balance in your account. The tiers that apply are shown above. You will earn the interest rate and annual percentage yield applicable to your balance on the entire balance in your account.