elcome to Webster Personal Banking. For Your Convenience Our Customer Care Center is open 7 am - 10 pm, 7 days a week.

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1 For Your Convenience Our Customer Care Center is open 7 am - 0 pm, 7 days a week. Call WEBSTER ( ) We also have over 65 branches and almost 500 ATMs so that you can bank on your schedule. elcome to Webster Personal Banking. Visit WebsterBank.com to find a branch near you. Checking Debit Cards & Overdraft Services Online Banking & Bill Pay Savings Credit Cards, Consumer Loans & Lines of Credit Mortgages XXXXXX PERSONAL BANKING Webster Bank, N.A. Member FDIC FN /2 The Webster Symbol, Webster Bank and Webster We Find a Way are registered in the U.S. Patent and Trademark Office.

2 superior Service. exceptional value. Table of Contents Delivered by a Type Personality. Personal Checking 3-4 At Webster, we ve been part of our customers lives for more than 75 years. We were founded in Connecticut in 935, during truly extraordinary times, by our current Chairman s father, Harold Webster Smith. Mr. Smith s goals were straightforward to help families become financially secure and own their own homes. Webster is committed to providing you with value for your money, exceptional convenience, and the best personal service in banking. Our commitment lies in our dedicated bankers people who want to make sure you are in the account that is just right for your needs. We hope that if you re not already a customer, you ll come to Webster for the service and value we provide. And if you re already banking with Webster, we hope you ll expand your relationship with us to take advantage of the added value and benefits. Thank you for your interest in Webster Bank we appreciate your business. Webster Visa Debit Card & Overdraft Services 5-6 Online Banking Services 7-8 Personal Savings 9-0 Credit Cards, Consumer Loans & Lines of Credit -4 Mortgages

3 Personal Checking Webster offers a suite of personal checking accounts designed to meet your needs and offer you the greatest value. We are here for you whether you have questions about the features of your account, managing your money, or finding the checking account that works best to meet your needs, just ask a branch representative or call us, and we ll help make sure you are in the checking account that works best for you. NEW! Webster echecking This account is designed for people who love the convenience of banking online and on the go. Enjoy these convenient features like: o Free Online Banking with Bill Pay, Free Mobile Banking, Free Balance Alerts and a Free Webster Visa Debit Card o Free Statement edelivery Avoid paper statement fees when you enroll in edelivery Even better, there s No Monthly Service Charge When You: o Set up a monthly Direct Deposit of $500 or more, and o Write 5 or fewer paper checks per month Plus, the monthly service charge is waived for anyone 22 and under. Webster Value Checking o No per check charges o No transaction fees o Easy-to-balance monthly statement o One low monthly service charge and it s easy to be free when you use your debit card for purchases at least 0 times per monthly statement period or maintain the minimum monthly average balance. WebsterOne Relationship Checking o WebsterOne Savings competitive interest rate o There is a monthly service charge, waived when you meet the minimum in combined average checking, money market and savings balances during your monthly statement period or a higher minimum when adding CD, home equity and installment loan balances as of the end of your statement period. o No Webster fees for using another bank s ATM 2 Premier Checking o Free ATMs ANYWHERE No fees for using another bank s ATM Rebates of other banks ATM fees, even if outside the US o Premier Savings great everyday rates o There is a monthly service charge, waived when you meet the minimum in combined average checking, money market and savings balances during your monthly statement period or a higher minimum when adding CD, home equity and installment loan balances as of the end of your statement period. Did You Know? All of our checking accounts offer FREE Webster Visa Debit Cards and FREE Online Banking and Bill Pay. Compare features and benefits of our checking accounts at WebsterBank.com and find the right product for you! 3 Please refer to a Webster Fee Schedule, or ask a branch representative, for account details. 2 Fees from other banks may apply. 4

4 The Webster Visa Debit Card Debit Card Overdraft Services FREE Webster Visa Debit Card The Webster Visa Debit Card is a powerful tool a debit card that works better than cash or checks. It s a safe, convenient way to shop. Use your Webster Visa Debit Card to make purchases when shopping online or at supermarkets, gas stations, or any retailer that accepts Visa debit. The money comes from your Webster checking or savings account, and you get a record of all transactions on your monthly statements or online. o Use it to get cash and make deposits at any Webster branch o Make purchases at thousands of stores worldwide. This service can help you avoid the inconvenience of having a debit card transaction declined due to insufficient funds. It allows us to authorize, at our discretion, purchases you want to make with your debit card when your balance doesn t quite cover them. It s easy to enjoy this simple form of protection for your account. You only need to Opt-in to enjoy the benefits of Debit Card Overdraft Services. There is no charge to Opt-in to Webster Debit Card Overdraft Services. However, when we approve an overdraft purchase, we charge an overdraft fee for the service. In addition, it s important to note that your Opt-in does not guarantee our approval of an overdraft transaction it simply makes it possible for us to do so. Additional Overdraft Protection Services Savings Overdraft Protection Link your Webster savings to your checking account for overdraft protection up to the available balance in your savings account. We charge a transaction fee when we transfer funds from your savings account for overdraft protection. 2 We will waive this fee for Premier Checking customers. 5 Overdraft Line of Credit Apply for an overdraft line of credit, and upon approval, we will cover your checking account transactions up to your credit line limit. We will charge you a percentage of interest based upon the amount of the line you use. Lines are available up to $5,000. And there is a low annual fee, which we waive for WebsterOne Relationship Checking and Premier Checking customers. Credit approval is required. Federal regulations limit the number of transfers and electronic payments from a savings account to a maximum number of six (6) per calendar month from the following categories: pre-authorized transfers, including overdraft protection; telephone transfers; and electronic transactions, including WebsterOnline transactions, checks, debit card payments to third parties, Automated Clearing House (ACH) transactions and wire transfers. 2 Please refer to a Webster Fee Schedule, or ask a branch representative, for account details. 6

5 Online Banking Services Webster online banking is the easy, convenient and secure way to manage your banking. We re at your service, at your convenience - 24/7! You ll save time and money and it s FREE. At WebsterBank.com, better banking is right at your fingertips. You ll be able to: o View current balances and monitor transactions for all of your accounts including checking, savings, money market, CDs, loans or lines of credit. o Pay your bills easily and securely - no check writing, no postage, no mailing, no hassles. Our QuickPay feature allows all payments to be managed from a single location. o Transfer funds between your eligible deposit and loan accounts - immediate, one-time, or recurring future transfers. Sign up for FREE Statement edelivery By enrolling in Statement edelivery you can reduce paper clutter, the threat of identity theft, and save time, money and a tree or two! o Simple. No paper, no clutter, no worries. o Secure. Lessen the threat of identity theft, no mail collecting in your mailbox. o Fast. Statements are available online before paper statements arrive in the mail. o Convenient. View, print or download your statements anytime it s convenient for you. 7 o Access 8 months of deposit account statements, including front and back images of your checks and deposit slips. o Enroll to receive edelivery of your deposit statements, giving you more security against the threat of identity theft, as well as more convenience and control. o Open accounts such as checking, savings, and home equity loans. You can also activate your debit card, report lost or stolen debit cards, and much more. o Easily stay on top of your account activity with real-time balance alerts. You set your preferences to stay informed when your accounts have a low or high balance. Mobile banking lets you take your online banking to go! Once enrolled in Webster Online Services, you ll also have anytime access to your Webster accounts from the convenience of your mobile phone or handheld device. There s nothing to download just go to WebsterBank.mobi from any mobile device with a web browser. Go to WebsterBank.com/mywebster to learn more and enroll in online banking today! You must be enrolled in Webster Online Services to use Webster Mobile Banking. Check with your mobile services provider for any charges that may apply for data usage on your phone. 8

6 Personal Savings Webster offers a range of FDIC-Insured savings accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs) to help you achieve your financial goals now, and as your needs change over time. Our friendly, helpful bankers will work with you to help you understand and maximize your FDIC coverage on any of the savings opportunities outlined over the next few pages. We can also help show you which savings accounts, when combined with a Webster checking account, offer you the best rates and even greater convenience and benefits. Webster Value Savings 2 This savings account is the safe and easy way to save for a special purpose or personal goal, like your first car, a college education, that long overdue vacation, or something special just for you! Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor. WebsterOne Savings 2 o Available when part of the WebsterOne Relationship 3 Banking package. o The more you save the higher the interest rate you will earn. Premier Savings 2,4 o Available when a part of the Premier Banking package. o Our most competitive interest rates, plus the more you save the higher the rate Passbook Savings o Savings for any of your everyday needs Premium Money Market Savings 2 o A safe, no-stress place to grow and easily access your money Certificates of Deposit (CDs) o Varying maturity dates to meet your savings goals o Interest can be reinvested in your CD, paid monthly by check, or transferred to another Webster account Savings Can Be Automatic Set a savings goal, and you won t believe how easy it is to achieve it with an Automatic Savings Program. We can establish an automatic transfer from your Webster checking account to any Webster savings account. Save weekly, monthly, or as frequently as you like. When you reach your goal, you can even transfer funds from your savings back to your checking account. 9 2 Federal regulations limit the number of transfers and electronic payments from a savings account to a maximum number of six (6) per calendar month from the following categories: pre-authorized transfers, including overdraft protection; telephone transfers; and electronic transactions, including WebsterOnline transactions, checks, debit card payments to third parties, Automated Clearing House (ACH) transactions and wire transfers. 3 A WebsterOne Relationship Checking account is required. 4 A Premier Checking account is required. 0

7 Credit Cards Consumer Loans and Lines of Credit Credit Cards* At Webster, our industry-leading credit card products offer competitive pricing combined with a full range of reward options making it easy to select and apply for the card that meets your needs. Home Equity Loans and Lines As one of the region s leading consumer lenders, Webster offers a wide range of loan products. You ll find a knowledgeable loan representative nearby who can help you make an informed borrowing decision and complete our fast, simple application process. Tap into the available equity in your home with a home equity loan or home equity credit line. Many homeowners, just like you, use their home s equity to pay for home improvements, consolidate high-interest-rate debt, pay for college expenses, or purchase a new car. There are no application fees or closing costs on lines and loans up to and including $500,000, secured by -4 family owner-occupied properties. Plus, the interest may also be tax deductible (please check with your tax advisor). * The creditor, issuer and service provider of these credit cards is Elan Financial Services pursuant to a license from Visa U.S.A. Inc. For homes held in trust, Webster Bank will require attorney approval and a minimum trust review fee of $50. Hazard insurance required. For New York properties, the lender pays a portion of the New York State Mortgage Tax. Home Equity Loans A home equity loan is a fixed rate loan based on the equity available in your home, which you will use as collateral for your loan. o Fixed rate no change over the life of the loan o Fixed, manageable monthly payments easy on your budget o Choice of repayment terms o Receive an extra 0.25% off a home equity loan interest rate with automatic deduction payments from any Webster Checking account Home Equity Credit Lines A home equity line of credit 2 is a variable rate, revolving loan based on the equity available in your home. That means you have easy check access just write a check whenever you need funds up to your available line during the draw period. 3 o No closing costs 4 o No application fees o Transfer funds online directly from your line of credit into your checking or savings account o Flexible repayment terms o No balloon payment at the end of the draw period If the auto-payment deduction is terminated for any reason, your rate will increase by the amount of the discount given initially. All loans are subject to the credit approval process. Offer may be withdrawn at any time. This discount may not be combined with any other existing offers from Webster Bank or its affiliates. 2 If you make interest only payments during the draw period, then at the start of the repayment period, you will still owe the original amount borrowed. Your monthly payment will increase because you must pay back the principal as well as interest. Certain prepayment penalties may apply please ask us for those amounts. 3 The draw period is the period of time (0 years) that you can access funds from your line. After the draw period expires, you can no longer access the funds and your repayment period begins. 4 Loans of $500,000 or less. Hazard insurance is always required. 2

8 Personal Loans Unsecured Personal Loans (No collateral required) A Webster unsecured personal loan at competitive rates offers a convenient way to consolidate debt or obtain cash for personal needs. Or add a room, upgrade the kitchen, and add to the value and comfort of your home. o Competitive rates o Loan amounts up to $25,000 o Quick and easy application process As one of the Southern New England s leading lenders, Webster offers the expertise and financing choices that will make your dream home a reality. Whether it s a new home purchase, refinance, or construction, a Webster loan representative will help you find a way to make it happen quickly and easily. Auto Loans We offer auto loans for new and used automobile purchases, all at competitive rates and with convenient payment terms. o Extended payment terms available o Dealer and non-dealer purchases qualify Savings Secured Loans (Collateral Loans) Leverage your Webster savings or CD account(s) by using them to secure your loan. Savings Secured Loans require no credit approval and provide same-day access to cash without diminishing your savings or CD balances. o Choice of repayment terms based on loan amount o Interest-only or principal-plus-interest payment options All credit products are subject to approval. 3 4

9 Mortgages Fixed Rate Mortgages For those who want the same monthly payment and interest rate for the life of their loans, Webster s fixed rate mortgages are a great choice. o Choice of repayment terms o Predictable, stable monthly payments Adjustable Rate Mortgages Sometimes, the flexibility of an adjustable rate mortgage may be just the answer. o Interest rate varies over the life of the loan according to the LIBOR Index (one of the rates at which banks borrow funds) and margin of the loan o Annual and lifetime interest rate caps protect you in a rising interest rate environment o Interest only options Jumbo Mortgages Jumbo mortgages provide home financing for individuals who are purchasing or refinancing properties that require larger loan amounts. A jumbo mortgage typically has a higher interest rate and different down payment requirements than smaller loans due to certain underwriting requirements. Webster offers competitive fixed or adjustable rates and quick credit decisions on jumbo mortgages. Call to get the maximum loan and best rates offered. Government Assisted Mortgages Webster works closely with a number of federal (FHA-VA), state, and local government agencies to deliver affordable mortgages and favorable interest rates for eligible borrowers. The goal is to make home ownership available to more families in our communities. Listed here are some of these agencies. Save big with automatic payments from your Webster checking account! Get up to 0.25 % OFF your mortgage rate with ACH Your monthly payment will increase at the end of the interest-only period, because you must now repay the principal amount borrowed as well as the interest. To receive up to 0.25% off your mortgage rate, an automatic payment deduction (ACH) is required from your Webster Bank personal checking account. For mortgage amounts $650,00 to $,000,000, this discount is reduced to 0.25%. If the ACH is terminated for any reason, your rate will increase by the amount given initially. All loans are subject to the credit approval process. This offer is for new mortgages and is subject to change without notice and may be withdrawn at any time. This discount does not apply to Government Assisted Mortgages. Offers may not be combined with any other promotional offer. 5 6

10 Mortgages Government Assisted Mortgages o Connecticut Housing Finance Authority (CHFA) o Massachusetts Housing Finance Agency (MHFA) o Home Ownership Possibilities for Everyone (HOPE) -- first time buyers program for low to moderate income borrowers in designated cities in CT, NY, MA, and RI o Rhode Island Housing Authority (RI housing) o State of New York Mortgage Authority (SONYMA) Webster also offers a down payment assistance program for qualified applicants of MHFA or CHFA loans. Ask a Webster loan representative for details. Building a new home is a major undertaking, but with Webster on your team you ll get the help you need from start to finish. We ll finance the construction costs and even combine those costs with your land purchase to save you time and money by having just one closing. We can arrange a fixed rate or adjustable rate program, whichever is best Construction Mortgage Loans Mortgage Pre-Approvals Knowing what you can afford before you begin house-hunting can help you find the home that s right for you and your budget. And when you do find that dream home, we ll process your mortgage request fast! Just call Once you re pre-approved, your real estate agent and seller will know you re ready to buy. All credit products are subject to approval. 7 8

11 Mortgages for you. So, get out the blueprints and let s get started today. o Up to 8 months from closing to complete your home o Funds disbursed as work progresses o Interest-only payments during the construction phase on amount used o No principal payments until final disbursement of funds o After construction, loan converts to a permanent mortgage without additional paperwork or fees one loan, one closing Webster Investment Services has access to a range of options to address your needs. Whether your goal is to plan for retirement, college education, or a vacation home, or simply to invest for the future, Webster Investment Services can help you reach your objectives. A Financial Consultant at Webster Investment All credit products are subject to approval. Construction Mortgages From the first nail to the last coat of paint, Webster can finance the construction costs of building your home. Webster will finance the land and construction of your home in one loan so there s only one closing. We offer a wide range of programs, including fixed rates. If you re looking to purchase a home or refinance a home that needs improvements, Webster s mortgage experts can structure a program that s right for you. 9 20

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