*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:

Earnings Credit Information:
The Earnings Credit is a variable rate. The Earnings Credit rate shown is for the previous month’s statement cycle. The Earnings Credit may change. At our discretion we may change the Earnings Credit on your account at any time. We use the average collected balance, less 10.00% for Reserve Requirements, to calculate the Earnings Credit on the commercial checking account for the statement period. The Earnings Credit will be used to reduce the fees charged to your account for the month in which the Earnings Credit was earned. Any excess Earnings Credit that is not used to reduce fees in the month it is earned will not be carried over to subsequent months.

Interest Rate and Balance Information for all Accounts listed above (other than Commercial 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 day you deposit non-cash items (for example checks). We use the daily balance method to calculate interest on your account. This method applies a daily periodic interest rate to the principal in your account each day.

Transaction Limitations (see the Business Depositors Contract for a further explanation of these limitations):

Business 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.

Business Money Market Checking: 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, draft, debit card (point of sale transfer), or similar order to third parties.