Important Disclosures

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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 your Annual Percentage Rates (APRs), fees and costs may be changed at any time as provided in the Agreement.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	A variable APR of 13.99%, 16.99% or 18.99% (as of 2/1/12) will apply depending on our review of your creditworthiness. This rate will vary with the market based on LIBOR.*
APR for Balance Transfers	A fixed introductory rate of 0% will apply through the first twelve billing cycles of your account. After that, a variable APR of 13.99%, 16.99% or 18.99% (as of 2/1/12) will apply depending on our review of your creditworthiness. The rate will vary with the market based on LIBOR.*
APR for Cash Advances	Variable APR of 22.49% (as of 2/1/12). The rate will vary with the market based on LIBOR.*
Penalty APR and When it Applies	Up to 29.99%    This APR may be applied to your account if you: (1) Fail to make the minimum payment by the payment due date; (2) Exceed your Cash Advance Limit or your Total Credit Limit; (3) Provide false information to us; (4) Use the Account for an illegal transaction; (5) Do not pay debts (including other accounts with us) when due; (6) Make a payment that is returned or dishonored, or; (7) Fail to keep a promise under the agreement or we believe you will not keep a promise, including making payments. How Long Will the Penalty APR Apply? If your APRs are increased due to any default (as described above), the Penalty APR will apply indefinitely.
How to Avoid Paying Interest on Purchases	Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date of each month. You will pay interest on Cash Advances, Balance Transfers and Convenience Checks from the transaction date, unless promotional terms apply.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.50
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee	None
Transaction Fees
·  Balance Transfer	At the time of application, either $10 or 3% of the amount of each transfer, whichever is greater. Thereafter, either $10 or 4% of the amount of each transfer, whichever is greater.
·  Cash Advance	Either $10 or up to 3% of the amount advanced, whichever is greater. Either $20 or 5% of the transaction for certain Cash Equivalent Transactions, whichever is greater.
·  Foreign Transaction	Either $1.50 or 3% of the U.S. dollar amount of transactions, whichever is greater.
Penalty Fees
·  Late Payment	Up to $39
·  Returned Payment	None
·  Overlimit Fee	None

How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)." See Cardholder Agreement for more details.

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.

*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 13.24, 16.24, or 18.24 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published on the next business day.

The information about the costs of the card described in this application is accurate as of February 1, 2012. 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.

Allow at least 4 weeks after account opening for processing of balance transfers. Continue paying each creditor until the transfer appears as a credit. You can not use a Balance Transfer or Cash Advance to payoff an account with any of our affiliates.

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.

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 name 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 1-888-518-8866 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 creditworthy 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.

AGREEMENT: You understand that your account will be governed by the Agreement that will be sent with your credit card. You authorize the issuer of your credit card, identified below, to obtain copies of your consumer report to service your account, manage your account relationship, or for any other legitimate business purpose.

We may try to contact you to confirm your acceptance of the account. If we are unable to contact you, the account may not be opened.

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