Important Disclosures

Important Disclosures

ELECTRONIC NOTICE DISCLOSURE AND CONSENT FOR THE PEOPLE’S UNITED BANK PLATINUM CREDIT CARD

This Electronic Notice Disclosure and Consent (the "Consent") contains important information about how we will deliver disclosures and notices required by applicable law to you, including the [Terms and Conditions of AccessMyCardOnline] (the "Agreement") and disclosures related to the provision of online credit card account services thereunder (the "Service"). We will call these disclosures the "Notices." This is your copy of the Consent. Please read it carefully and print and retain a copy of it for your records.

Consent to Electronic Notices. By submitting your online application, you affirmatively consent to receive, and acknowledge that you can access, receive and retain the Notices electronically, by electronic means, and not in paper or non-electronic form. You further acknowledge that by accessing the website, you satisfy the hardware and software requirements discussed more fully below and acknowledge that you have reasonably demonstrated that you can access, receive and retain the Notices electronically in the formats we use.The decision to do business electronically is yours. You cannot apply electronically for the Service unless you agree to receive the Notices in electronic form. However, you may ask us to provide you with paper copies of the Notices by calling us at 1-800-426-1114. Paper copies of the Notices will be provided to you at no cost.

Receiving Notices Electronically. We will provide Notices as part of your enrollment process or post Notices on the website with appropriate notice to you as permitted by applicable law. We will consider your acceptance of the Notice as your confirmation of receipt of the Notice. You agree to notify us promptly if your mailing address, e-mail address or other information changes by calling us at 1-800-426-1114 or by writing to us at Credit Card Services, P.O. Box 7092, Bridgeport, CT 06601.

Hardware and Software Requirements. In order to access the website and to access, receive and retain the Notices electronically, you must provide at your own expense all necessary telephone lines, Internet or other connections and equipment needed. In addition, your personal computer must meet the following minimum requirements: Microsoft^® Internet Explorer 5.0 or higher, Netscape 4.7 or higher (except 6.0), or AOL 5.0 or higher with 128-bit encryption. You must also have a printer that is capable of printing from your Internet web browser and e-mail software. You confirm that your computer satisfies these specifications and requirements and that you can access, receive and retain the Notices electronically.

Withdrawal of Consent to Electronic Notices. If you agree to receive the Notices electronically, you can withdraw your consent at any time by calling us at 1-800-426-1114 or by writing to us at Credit Card Services, P.O. Box 7092, Bridgeport, CT 06601. You will not be charged a separate fee if you choose to withdraw your consent; however, the Agreement and your access to, and use of, the Service will automatically be terminated. Termination of the Consent will not affect the legal validity, enforceability and binding effect of any Notice, electronic or otherwise, before the effective date of the termination of the Consent.

BY CLICKING ON THE "SUBMIT" BUTTON YOU ACKNOWLEDGE THAT YOU HAVE READ THE CONSENT AND HAVE PRINTED A COPY OF IT FOR YOUR RECORDS. YOU FURTHER ACKNOWLEDGE THAT YOU CAN ACCESS, RECEIVE AND RETAIN THE NOTICES ELECTRONICALLY IN THE FORMATS WE USE, AND AFFIRMATIVELY CONSENT TO THE RECEIPT OF THE NOTICES ELECTRONICALLY.

The terms of your account are governed by the Credit Card Agreement (Agreement) that will be sent with your card. Account terms, including Annual Percentage Rates (APRs), fees and costs, may be changed at any time as provided in the Agreement.

CREDIT CARD RATES AND FEE TERMS
Annual Percentage Rate for Purchases	0.0% until the first day of your ninth billing cycle, after that an APR of 13.99% (variable, as of 1/1/09, see below).^§*
Other APRs	Balance Transfer APR: 0.0% until the first day of your ninth billing cycle; after that an APR of 13.99% (variable, as of 1/1/09, see below).^§* Cash Advance APR: 20.99% (variable, as of 1/1/09, see below).* Cash Equivalent Transaction APR: 20.99% (variable, as of 1/1/09, see below).^‡ Default Rate APR: 28.99% (variable, as of 1/1/09, see below). Higher Standard Rates APRs: If you fail to make a minimum payment by the payment due date, or you exceed either your Cash Advance Limit or your Total Credit Limit or otherwise default on your Agreement, your APR on Purchases and Balance Transfers could become 22.98% and your APR on Cash Advances could become 28.99% (variable, as of 1/1/09, see below).^†
Variable Rate Information	The APR for Purchases and Balance Transfers is determined monthly by adding the Index (defined below) to a margin of 8.99 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 15.99 percentage points, but the APR will not be less than 19.8% or your Purchase APR. The Default Rate is determined monthly by adding the Index to a margin of 23.99 percentage points. The Higher Standard Rates are also determined monthly as described below. See below.**^†
Grace Period for Repayment of Balances for Purchases	You have 20 days after the closing date of a billing cycle to pay the entire amount you owe us before any additional Periodic Finance Charges on Purchases will be imposed.
Method of Computing the Balance for Purchases	Average Daily Balance (including new Purchases) Method.
Annual Fee	None	Over the Credit Limit Fee: $39	Minimum Periodic Finance Charge: $1.50
Transaction Fee for Cash Advances: 3% of the amount advanced, but not less than $10; the greater of $20 or 5% of the transaction for certain Cash Equivalent Transactions.	Foreign Transaction Fee: The greater of $1.50 or 3% of the U.S. Dollar amount of transactions, whether originally made in U.S. Dollars or converted from a foreign currency.	Late Payment Fee: $39	Transaction Fee for Balance Transfers: For Balance Transfer requests made at the time of application, 3% of the amount of each transfer, but not less than $10 and not more than $60; thereafter, 4% of the amount of each transfer, but not less than $10.

^§ The terms of the account, including APRs, are subject to change. We reserve the right to change the terms (including APRs) at any time for any reason, in addition to APR increases that may occur for failure to comply with the terms of your account. This means that APRs for this offer are not guaranteed; APRs may change to higher APRs, fixed APRs may change to variable APRs, or variable APRs may change to fixed APRs. Any changes will be in accordance with the Credit Card Agreement.

* If you fail to make a minimum payment by the payment due date or you exceed either your Cash Advance Limit or your Total Credit Limit or otherwise default on your Agreement, your APRs may be increased to the Default Rate.

^† Instead of the Default Rate, if you fail to make a minimum payment by the payment due date, or you exceed either your Cash Advance Limit or your Total Credit Limit or otherwise default on your Agreement, your APRs may be increased to the Higher Standard Rates. The Higher Standard Rates may vary monthly and are determined by adding up to 8.99 percentage points to the margins used to determine the Standard Rates for Purchases, Balance Transfers and Cash Advances and then adding the new higher margins to the Index. The Higher Standard Rates will not exceed the Default Rate.

** On the first day of your ninth billing cycle, your APR for Purchases and Balance Transfers will be set at the Index plus a margin of 8.99 percentage points. Thereafter, your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 8.99 percentage points. The Index is determined on the last business day of each month and is the highest Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table at any time within the immediately preceding three months, including the month in which the Index was determined.

^‡ Cash Equivalent Transactions are those transactions performed using a merchant or service provider that Visa^® or MasterCard^® identifies as a seller of travelers’ checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services.

The information about the costs of the card described in this application is accurate as of January 1, 2009. This information may have changed after that date. To find out what may have changed, call us toll-free at 1-888-777-7254 or write to us at Credit Card Services, P.O. Box 7092, Bridgeport, Connecticut 06601.

Other important information about this credit card account: Unless a special promotional offer applies, there is no grace period for Balance Transfers and Cash Advances. We may apply payments to the amounts you owe in any order we choose. We may at our sole option and without notice to you change the order in which we apply payments.

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Arbitration: If you are approved for an account, we may require any disputes to be resolved by binding arbitration. Please read the "Arbitration" section of the Agreement carefully.

STATE LAW DISCLOSURES
Notice to New York Residents: Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports. New York residents may contact the New York State Banking Department at 1-877-226-5697 to obtain a comparative listing of rates, fees, and grace periods.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

PAYMENTCARE(SM)
DISCLOSURE STATEMENT

DEFINITIONS:

PaymentCare(SM) provides you, the Primary Applicant, with the following Benefits:

Accidental Death: cancels your account balance in full, up to $20,000, if you should die as a result of an accidental injury.

Involuntary Unemployment: cancels the Minimum Payment owed on your account for a maximum of 12 months if you become involuntarily unemployed (layoff, employer termination, generalized strike, unionized labor dispute or lockout) for at least 30 consecutive days.

Disability: cancels the Minimum Payment owed on your account for a maximum of 12 months if you become totally unable to perform the major duties of your occupation due to a sickness or injury for at least 30 consecutive days.

Family Leave of Absence: cancels the Minimum Payment owed on your account for a maximum of 6 months if you take an unpaid leave from full-time employment for at least 30 consecutive days due to caring for an immediate family member with a serious medical condition, caring for a newborn or adopted child, jury duty, or residing in a federally declared disaster area.

Hospitalization: cancels the Minimum Payment owed on your account for a maximum of 24 months if you become hospitalized for three consecutive nights in a calendar month.

Military Duty: cancels the Minimum Payment owed on your account for a maximum of 24 months if you receive a mandatory recall to active military duty for at least 30 consecutive days.

Life Events: cancels the Minimum Payment owed on your account for two months if you get married, adopt a child, retire from your principal employment, graduate from an accredited 4-year college or university, or move to a new primary residence.

During months that you have an account balance, your monthly fee is 89¢ per $100 of the highest billing cycle balance on your account. This fee is automatically included on your billing statement each month.

ELIGIBILITY REQUIREMENTS:

Benefits are based on the amount of your account balance as of the day before your loss occurs or $20,000, whichever is less, and do not include any amounts added to your account after the occurrence. To be eligible for Involuntary Unemployment, Disability, Family Leave of Absence and Military Duty Benefits, you must be employed on a full time basis for at least 30 hours a week at the time of the occurrence. To qualify for Involuntary Unemployment Benefits, you must register with a recognized employment agency or your state unemployment office within 30 days after the date you become unemployed. Accidental Death Benefits do not cover suicide or self-inflicted injuries. Disability, Family Leave of Absence and Hospitalization Benefits do not cover occurrences caused by a pre-existing medical condition. A "pre-existing condition" is one for which you or your family member saw or were treated by a licensed health care provider both within the 6 months before and the 6 months after your enrollment effective date. Once your enrollment is processed, you will receive a personalized Fulfillment Package along with additional details about PaymentCare. PaymentCare protection is available only to United States residents, residing in the United States.

Your purchase of PaymentCare protection is optional. Whether or not you purchase PaymentCare will not affect your application for credit or the terms of any existing credit agreement you have with RBS Citizens, N.A. (The Bank).

The monthly fee for PaymentCare is based on the highest billing cycle balance of your account each month. The monthly fee is 89¢ per $100 of your highest billing cycle balance.

You have the right to cancel PaymentCare at any time. The Bank has the right to cancel PaymentCare in the following circumstances:

Your account is charged off or permanently closed for any reason
Your account was determined to be not in good standing as of the date of your requested enrollment
You are no longer a United States resident, residing in the United States
At any time, but we will provide 30 days written notice if we do so

There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under PaymentCare. You may find a complete explanation of the eligibility requirements, conditions and exclusions in the PaymentCare Credit Card Agreement Addendum that you will receive once your PaymentCare enrollment is processed.

You will be given additional information before you are required to pay for PaymentCare. This information will include a copy of the contract (Credit Card Agreement Addendum) containing the terms of PaymentCare.

This credit card is issued by RBS Citizens, N.A.