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Appointment Reminder
Appointment with _________________________________________________
Date ___________________________________________________________
Time __________________________________________________ a.m. / p.m.
Branch__________________________________________________________
For individuals and small business owners.
S M A R T
S A V I N G S
I N S I D E
L I M I T E D
T I M E
O F F E R S
COB1288 OC CIT
03035-CIT
Be the first to know about new and exciting offers from Citizens Bank.
Sign up online at citizensbank.com/celebratesummer
Q3091000
Page 1 citizensbank.com/celebratesummer • 888.411.7442 Page 2
Checking
Home Borrowing
Credit Card
Investments
Savings
Business Banking
New Products
Great rewards and smart solutions
Celebrate summer
with a FREE Fit CheckupSM
Summer is the perfect time to take advantage of helpful banking solutions
from Citizens Bank. This guide is full of great offers and valuable rewards
aimed at helping you take control of your financial situation. From savings
to borrowing, personal checking to business banking, great rewards and
more, we have a variety of solutions to fit your life.
One way to increase your financial peace of mind this summer is through our free
Fit Checkup. It’s a brief review to make sure your banking solutions are right for you.
We’ve already helped customers get on track more than 2.6 million times!
For your convenience, our full-service
in-store branches are open seven
days a week.
7Day
Banking
Call
Click
Talk to
888.411.7442
citizensbank.com/celebratesummer
A banker at any
Citizens Bank branch
Page 3 citizensbank.com/celebratesummer • 888.411.7442 Page 4
Get paid up to $120 with any personal
checking account when you enroll in Green$ense.
Get paid up to $120 each
year with any personal checking
		 account through Green$ense™
Less paper is good for the environment. More money is good for you.
With Green$ense, we’ll pay you 10 cents every time you use your debit card,
pay a bill online or have an automatic payment charged to your checking account
or debit card.
And because Green$ense is designed to help your bank account and the
environment, you will:
• Automatically be enrolled in online banking with free bill pay
• Receive paperless monthly eStatements
• Receive a Green$ense debit card made from recycled plastic
• Receive a monthly email that notifies you of your Green$ense cash earned,
environmental impact and green living tips
Visit us at: citizensbank.com/greensense
Get more value out of the things you do everyday with a rewards program that fits
your life. Citizens Bank offers two great options to choose from:
Everyday Points®
• Earn unlimited Everyday Points on all of your debit card and credit card purchases
and when you pay bills online
• Get rewarded for doing your banking with Citizens — automatically earn more
points each month when you have a checking, savings and money market account
• Combine your Everyday Points and redeem them for merchandise, gift cards,
travel, banking rewards and much more!
Green$ense™
• Get paid when you use your debit card or pay a bill online — up to $120 per year
• Enroll any Citizens Bank personal checking account
Keep reading to learn more about how to start earning
rewards today!
Reward yourself everyday
Checking
and Rewards
with programs that help you save more and earn more
Rewards!
Great
Checking
Page 5 citizensbank.com/celebratesummer • 888.411.7442 Page 6
Credit Card
Rewards!
Great
Earn rewards faster with our
	 enhanced Everyday Points® program
Get the most value from your everyday purchases and banking choices.
Our newly enhanced Everyday Points program allows you to combine your Citizens Bank
Debit Card and Citizens Bank Credit Card points in one place — making earning rewards
faster and easier than ever. Earn even more points when you have a checking, savings and
money market account with Citizens Bank.
You can earn unlimited Everyday Points — redeemable for great rewards — for the
things you do everyday, including:
• Making purchases with your Citizens Bank Debit Card — earn double points for
recurring purchases
• Making purchases with your Citizens Bank Credit Card — earn up to 3x points
when you have a checking account and a savings or money market account
• Paying bills online at citizensbank.com
• Shopping at more than 500 retailers within our Merchant Network — earn up
to 20x points!
• Doing your banking with Citizens Bank — automatically earn more points each month
when you have a checking, savings or money market account
Talk to a banker for more details or visit citizensbank.com/everydaypoints
and Rewards
Here’s an overview of how
your Everyday Points® can grow
Be sure to take advantage of these special offers:
• Get 100 points for registering at citizensbank.com/everydaypoints
• Get 500 points upon the first use of your credit card
• $25 annual fee waived with $1,500 in combined spend on your debit and credit cards
within the first 60 days of enrollment1
1
Annual fee waiver for first year of enrollment only assessed to your primary account. Applicable for new customers enrolled. Offer available until 12/31/09.
and Rewards
Earn Everyday Points with your Citizens Bank Debit Card
Purchases when you sign $1 spent = 1 point
Purchases when you use your PIN $2 spent = 1 point
Earn more Everyday Points each Month Based on Your Banking Level
Citizens Bank Accounts Green Checking® Circle Banking* Circle Gold Banking*
Checking 50 75 100
Checking and savings or
money market account
100 150 200
Checking, savings and
money market account
150 225 300
Online Bill Pay 20 points per payment
Earn Everyday Points with your Citizens Bank Credit Card
Credit Card only $1 spent = 1 point
Credit Card + enrolled checking
with debit card
$1 spent = 2 points
Credit Card + enrolled checking with debit
card + savings or money market account
$1 spent = 3 points
* A Circle (Gold) Banking relationship is a Circle (Gold) Checking and Circle (Gold) Savings account.
Points will be awarded for both accounts.
Page 7 citizensbank.com/celebratesummer • 888.411.7442 Page 8
Get the rewards you really want
When you’re ready to redeem your Everyday Points®, choose from hundreds
of rewarding possibilities — including merchandise, gift cards, travel, banking
rewards and much more! Redeem for great rewards with as few as 4,000 points.
Visit us online at citizensbank.com/everydaypoints to track and redeem
your points. Here’s a small sample of the rewards you can choose from.
See how fast your
Everyday Points® can add up
Use the table below to see how many points you might earn in a typical year.
Refer to the chart on page 6 for point-earning details — or talk to a banker to see how easy
and fast earning Everyday Points can be.
Everyday Points Earnings Points per Year
Relationship Type (Green, Circle, Circle Gold)
How many products do you have with us?
Do you have a savings and money market account?
Spend per month with debit card
Spend per month with credit card
Online Bill Payments per month
$
$
Total Points Earned Per Year:
Merchandise Rewards
Hundreds of brand name items
across a variety of categories
Travel Rewards
Great experiences and
fantastic discounts
Gift Cards
A wide variety of denominations
from the brands you want
Banking Rewards
Choose a reward that fits your life
· $25 Deposit into any
Savings Account
· $50 Deposit into any
Money Market Account
· $100 Deposit into an IRA
· .25% Discount on
Home Equity Loan or Line
Page 9 citizensbank.com/celebratesummer • 888.411.7442 Page 10
Earn competitive rates on any new
Premier Savings or Money Market Account!
Enjoy security and easy access
	 with a Premier Savings
		 or Money Market Account
Money Market and Savings Accounts can help you build your savings with
competitive interest rates. Even better, we offer a variety of options that
suit your needs. See page 5 to find out how you can earn more Everyday Points®
when you have a savings and money market account. Talk to a banker or see our
website for current rates and account options.
As always, you can rest assured knowing your deposits are insured by
the Federal Deposit Insurance Corporation — which means that you can
save with confidence.
Earn competitive rates on CDs!
Savings! Savings!
Smart Smart
Let your savings grow with confidence
CDs are good investments for both short and long-term goals. Our CDs are available
in a variety of terms that range from 3-60 months, all with competitive yields.
Talk to a banker or see our website for the terms that are right for you.
As always, you can rest assured knowing your deposits are insured by the
Federal Deposit Insurance Corporation — which means that you can save
with confidence.
SavingsSavings
Page 11 citizensbank.com/celebratesummer • 888.411.7442 Page 12
Get 1/8% off our already low mortgage
rates with Circle Gold Banking.
Discounted rates for a limited time
	 on a new home equity loan or line
Home equity loans and lines of credit can help you with a variety of borrowing
needs. Whether you’re consolidating debt, planning a remodeling project or
funding a college education, we have a solution that fits your life. Talk to a
banker to find the home borrowing solution that’s right for you.
Get 1/8% off and great benefits
	 with Circle Gold Mortgage AdvantageTM
Now you can get 1/8% off your mortgage when you have Circle Gold Banking and
your monthly mortgage payments automatically deducted from your checking account.
The Circle Gold Mortgage Advantage™ also includes other great benefits like:
• Monthly maintenance fees waived on Circle Gold Banking — a $20 per month savings!
• Our highest packaged rates on checking balances, CDs and Circle Gold
Money Market® Accounts
• Reduced rates on home equity lines and loans, plus no annual fee on home equity
lines for the first year; 50% discounted fee thereafter
• Additional checking, savings and money market accounts for no additional fee
• Plus, much more
Saving for a new home? See page 13 to learn more about HomeBuyer SavingsSM
and how you can earn $1,000 toward a new home.
Home BorrowingHome Borrowing
Savings!
Smart
Get up to 1/4% off a new
Home Equity Loan or Line of Credit.
Talk to a banker to learn how
you can take advantage of this offer!
Savings!
Smart
Page 13 citizensbank.com/celebratesummer • 888.411.7442 Page 14
Save at least $100 a month and earn $1,000 when
you finance your new home with Citizens Bank!
Save at least $25 a month and earn a
$1,000 bonus toward your child’s future!
Make your new home a reality with
	 Citizens Bank HomeBuyer SavingsSM
At Citizens Bank, we want to give you a jump start on saving for the important things in
life, like buying a home. That’s why we’ve introduced Citizens Bank HomeBuyer SavingsSM
.
The HomeBuyer SavingsSM
account is a manageable and rewarding savings plan that will
help you achieve your goal of home ownership. The plan has three easy steps:
1. Save a minimum of $100 a month for 36 months (one skipped deposit allowed per year)
2. Receive $1,000 toward closing costs on your Citizens Bank mortgage
3. Get help from Citizens Bank to find the right mortgage and on ways to check your
	 credit while you save
There’s no limit to how much you can save. And handy calculators and tools are available
to help you make sure you save enough and stay on track.
A new home is one of the biggest purchases you’ll ever make. Get off to a great start
with HomeBuyer SavingsSM
.
A rewarding way to save today for
	 tomorrow: Citizens Bank CollegeSaverSM
At Citizens Bank, we want to help you save for your child’s future — and give you one less
thing to worry about. That’s why we’ve introduced Citizens Bank CollegeSaverSM
.
CollegeSaverSM
is an easy, manageable savings plan that will help you meet your college
savings needs. The plan has three easy steps:
1. Open a CollegeSaverSM
account before your child’s 6th birthday
2. Save a minimum of just $25 a month every year (one skipped deposit allowed per year)
3. Receive a $1,000 bonus plus interest when your child turns 18
There’s no limit to how much you can save. CollegeSaverSM
pays you higher rates
as your balance grows.
With CollegeSaverSM
, you’ll receive reminders so you won’t miss a payment and
can easily stay on track.
Give your child a head start. Start saving today with Citizens Bank CollegeSaverSM
.
New ProductsNew Products
Savings! Savings!
Smart Smart
Page 15 citizensbank.com/celebratesummer • 888.411.7442 Page 16
Business Banking
Put our expert business bankers
	 to work for you
With industry expertise and knowledge that you can count on, our Business Banking
team can provide easy, convenient banking solutions tailored for your business.
Plus, as a Business Banking customer, you qualify for a personal checking account
with no monthly maintenance fees.
Ask the dedicated Business Banker in your branch for a free Business Needs Assessment.
And choose from great services that meet your business needs:
	 • Business Savings Account
		• Remote Deposit Capture Service
		• Merchant Services
		• Payroll Services
		• Business Credit Card
		• Professionals First for physicians, accountants and attorneys
Savings!
Smart
• Open a new Business Green Checking® Account with
no monthly maintenance fee for up to 200 transactions
per month, free online banking and bill pay, and
unlimited electronic transactions
• Sign up for E-Z Deposit® remote deposit capture service
and we’ll waive the monthly maintenance fee for the
first six months
• Receive up to $300 off the purchase of a new
Hypercom 4220 terminal for new Merchant
Services customers
• Talk to a banker about our Business Premier
Savings Account
Page 17 citizensbank.com/celebratesummer • 888.411.7442 Page 18
Citizens Investment Services
Plan for tomorrow with a
	 complimentary financial review
Whether your priorities include providing for your child’s education, saving for a
comfortable retirement or preserving your current wealth, a Citizens Investment
Services Financial Consultant can help you develop an investment strategy that’s
right for you. We offer a wide variety of investment products and services to help
you achieve your short-term and long-term goals.
Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC.
53 State Street, MBS770, Boston, MA 02109. (800) 942-8300. CCO Investment Services Corp. is an affiliate of RBS Citizens, N.A.
and Citizens Bank of Pennsylvania. 001-051509Mktg-CIS
Securities and Insurance Products are:
NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE
NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Rewards!
Great
Discover the rewards of
	 great business banking
As a Business Banking customer, you can earn Everyday Points® for the things you do
every day. When you are ready to redeem your Everyday Points, choose from hundreds
of rewarding possibilities — including great gift cards, merchandise and travel rewards.
Talk to a banker for more details or visit citizensbank.com/everydaypoints
Business Banking
Earn Everyday Points for Business
Debit card purchases when you sign $1 spent = 1 point
Debit card purchases when you use your PIN $2 spent = 1 point
Credit card purchases $1 spent = 2 points
Online Bill Pay 20 points per payment
• Earn points on all your Business Debit Card, Business Credit Card
and online bill payments
• Get 100 points for registering your profile at 					
	 citizensbank.com/everydaypoints
Get a complimentary financial review to help
ensure that your retirement plan is on track and to
see if a 401(k) rollover is the right fit for you.
One should consider the potential costs and fees associated with rolling over a 401(k) to Citizens Investment Services,
in addition to any features or benefits one may lose as a result of this action.
Page 19 citizensbank.com/celebratesummer • 888.411.7442 Page 20
Smart Savings Tips Smart Savings Tips
Share your
savings ideas!
Provide your children with a small allowance at an early age and encourage them to
save. Have them set an achievable goal and start saving. Consider opening a savings
account just for this purpose. It’s a great way to encourage financial responsibility.
When aunts, uncles or grandparents ask for holiday or birthday gift suggestions,
ask them to make a contribution to your child’s education savings. My mother
always gives books as gifts. Last year, she started a new tradition: tucking a small
check “for college” into each one.
Make sure you check out your car before going on a driving vacation. Tuning your
engine and keeping your tires properly inflated can save gas — and can help head off
a potential breakdown while on the road.
Do you have a favorite savings tip that you’d like to share? We’re looking for tips
from our customers to include in upcoming guides like this one. To submit your
savings tip, simply send us an email at:
savingstips@cfgcustomers.com
Tips should be relatively short (preferably under 100 words). Please include
your name, address, telephone and email address. If selected, your tip will be
published with your first name and last initial, along with your hometown.
If your teens can’t find summer jobs, encourage them to think like an
entrepreneur. My 16-year old daughter is always on the computer and she loves
online shopping. So she started a business helping people sell items on eBay.
If you’re planning a home improvement, don’t be afraid to negotiate with the
contractor. We recently installed new floors in our home and were able to save
$1,000 off of the quoted price by removing the existing floors ourselves.
If your mobile phone is turning into your primary phone, see if you can live
without your landline. My wife and I realized we were spending about $50 a
month on a number that we rarely used.
If you have various accounts at multiple banks, see if you can benefit by
consolidating them. My husband had an old savings account at another bank.
We switched it to Circle Savings® and now we qualify for bonus points through
the Everyday Points® program.
Check your credit score for errors. When I went to buy a car, I couldn’t qualify for
a low interest rate because my credit score was lower than expected. Turns out
someone else with the same name had made some late payments. Now I check
my score once a year.
See if your health insurance company offers a discount if you work out on a
regular basis. My provider deducts $20 from my bill if I go to the gym eight
times a month.
Page 21 citizensbank.com/celebratesummer • 888.411.7442 Page 22
Notes:
Green$ense™
: Minimum 10 eligible transactions in a month to receive 10 cents per transaction. Earnings will be reported to the IRS for income tax
purposes. Patent Pending.
Everyday Points®
Program: $25 annual enrollment fee applies. Terms, conditions, restrictions apply. See citizensbank.com/everydaypoints or
speak to a banker for more details on the Everyday Points program.
Mortgage Offer: Circle Gold Checking with automatic payment deduction required. One offer per property. Not applicable to Bond, CRA or our
Jumbo Loans. Exclusions and restrictions may apply.
Home Equity: One rate reduction per property. Not available on Capped Rate Home Equity Line Of Credit®
or the Line of Credit as part of the
Loan/Line Combo product. Checking account required. Minimum annual percentage rates apply.
HomeBuyer SavingsSM
: Minimum to open $100. Terms, conditions and withdrawal limitations apply. This does not represent a formal commitment
for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. You must separately qualify, be approved
and obtain a purchase-money mortgage loan from us. To obtain the $1,000 credit you must also: close on a mortgage with us within 3 years after
the end of the 3-year savings period, and keep the account open until you close on a mortgage loan with us. One $1,000 credit per mortgage loan.
Patent Pending.
CollegeSaverSM
: Minimum to open $25. Terms, conditions, withdrawal limitations apply. Variable-rate Annual Percentage Yield (APY) as of
5/27/09, APY by tier is: .30% for $25+, .40% for $1,000+, .40% for $2,500+, .50% for $10,000+, .50% for $25,000+, .50% for $50,000+,
.50% for $75,000+, .50% for $250,000+, and .50% for $1,000,000+. APY may change after account opening. Minimum balance for the bonus
at beneficiary’s 18th birthday varies. See terms and conditions for important tax information. Patent Pending.
E-Z Deposit: E-Z Deposit offer available on business checking accounts and for businesses established for at least one year. 6-month refund period
begins with month of activation and training. Activation must be completed no later than 10/30/09 to qualify for offer. Monthly service charge
of $55 will be posted to the master billing account and refunds will be processed by end of month following the statement cycle. Per transaction
fee of $.06 applies.
Merchant Services: New-to-card merchants processing less than $150,000 in annual bank card volume will receive a $50 discount; between
$150,000 and $300,000 receive $150 discount and $300,001 and over receive a $300 discount. Credit will be applied to statement. $495 early
termination fee applies. Subject to approval and contractual requirements. Previous processor statements must be provided in order to verify annual
processing volume amount, where applicable. Offer is not valid with any other RBS WorldPay offer.
Member FDIC. Equal Housing Lender. Mortgages and Credit Cards are originated and offered by RBS Citizens N.A. MasterCard®
is a registered
trademark of MasterCard International Incorporated. Limited time offers available from 7/01/09 to 9/25/09 and may be withdrawn without notice.
Accounts, loans and services subject to individual approval. Citizens Bank is RBS Citizens, N.A. and Citizens Bank of Pennsylvania.
©2009 Citizens Financial Group. All rights reserved.

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Citizens Bank Celebrate Summer Catalog

  • 1. Appointment Reminder Appointment with _________________________________________________ Date ___________________________________________________________ Time __________________________________________________ a.m. / p.m. Branch__________________________________________________________ For individuals and small business owners. S M A R T S A V I N G S I N S I D E L I M I T E D T I M E O F F E R S COB1288 OC CIT 03035-CIT Be the first to know about new and exciting offers from Citizens Bank. Sign up online at citizensbank.com/celebratesummer Q3091000
  • 2. Page 1 citizensbank.com/celebratesummer • 888.411.7442 Page 2 Checking Home Borrowing Credit Card Investments Savings Business Banking New Products Great rewards and smart solutions Celebrate summer with a FREE Fit CheckupSM Summer is the perfect time to take advantage of helpful banking solutions from Citizens Bank. This guide is full of great offers and valuable rewards aimed at helping you take control of your financial situation. From savings to borrowing, personal checking to business banking, great rewards and more, we have a variety of solutions to fit your life. One way to increase your financial peace of mind this summer is through our free Fit Checkup. It’s a brief review to make sure your banking solutions are right for you. We’ve already helped customers get on track more than 2.6 million times! For your convenience, our full-service in-store branches are open seven days a week. 7Day Banking Call Click Talk to 888.411.7442 citizensbank.com/celebratesummer A banker at any Citizens Bank branch
  • 3. Page 3 citizensbank.com/celebratesummer • 888.411.7442 Page 4 Get paid up to $120 with any personal checking account when you enroll in Green$ense. Get paid up to $120 each year with any personal checking account through Green$ense™ Less paper is good for the environment. More money is good for you. With Green$ense, we’ll pay you 10 cents every time you use your debit card, pay a bill online or have an automatic payment charged to your checking account or debit card. And because Green$ense is designed to help your bank account and the environment, you will: • Automatically be enrolled in online banking with free bill pay • Receive paperless monthly eStatements • Receive a Green$ense debit card made from recycled plastic • Receive a monthly email that notifies you of your Green$ense cash earned, environmental impact and green living tips Visit us at: citizensbank.com/greensense Get more value out of the things you do everyday with a rewards program that fits your life. Citizens Bank offers two great options to choose from: Everyday Points® • Earn unlimited Everyday Points on all of your debit card and credit card purchases and when you pay bills online • Get rewarded for doing your banking with Citizens — automatically earn more points each month when you have a checking, savings and money market account • Combine your Everyday Points and redeem them for merchandise, gift cards, travel, banking rewards and much more! Green$ense™ • Get paid when you use your debit card or pay a bill online — up to $120 per year • Enroll any Citizens Bank personal checking account Keep reading to learn more about how to start earning rewards today! Reward yourself everyday Checking and Rewards with programs that help you save more and earn more Rewards! Great
  • 4. Checking Page 5 citizensbank.com/celebratesummer • 888.411.7442 Page 6 Credit Card Rewards! Great Earn rewards faster with our enhanced Everyday Points® program Get the most value from your everyday purchases and banking choices. Our newly enhanced Everyday Points program allows you to combine your Citizens Bank Debit Card and Citizens Bank Credit Card points in one place — making earning rewards faster and easier than ever. Earn even more points when you have a checking, savings and money market account with Citizens Bank. You can earn unlimited Everyday Points — redeemable for great rewards — for the things you do everyday, including: • Making purchases with your Citizens Bank Debit Card — earn double points for recurring purchases • Making purchases with your Citizens Bank Credit Card — earn up to 3x points when you have a checking account and a savings or money market account • Paying bills online at citizensbank.com • Shopping at more than 500 retailers within our Merchant Network — earn up to 20x points! • Doing your banking with Citizens Bank — automatically earn more points each month when you have a checking, savings or money market account Talk to a banker for more details or visit citizensbank.com/everydaypoints and Rewards Here’s an overview of how your Everyday Points® can grow Be sure to take advantage of these special offers: • Get 100 points for registering at citizensbank.com/everydaypoints • Get 500 points upon the first use of your credit card • $25 annual fee waived with $1,500 in combined spend on your debit and credit cards within the first 60 days of enrollment1 1 Annual fee waiver for first year of enrollment only assessed to your primary account. Applicable for new customers enrolled. Offer available until 12/31/09. and Rewards Earn Everyday Points with your Citizens Bank Debit Card Purchases when you sign $1 spent = 1 point Purchases when you use your PIN $2 spent = 1 point Earn more Everyday Points each Month Based on Your Banking Level Citizens Bank Accounts Green Checking® Circle Banking* Circle Gold Banking* Checking 50 75 100 Checking and savings or money market account 100 150 200 Checking, savings and money market account 150 225 300 Online Bill Pay 20 points per payment Earn Everyday Points with your Citizens Bank Credit Card Credit Card only $1 spent = 1 point Credit Card + enrolled checking with debit card $1 spent = 2 points Credit Card + enrolled checking with debit card + savings or money market account $1 spent = 3 points * A Circle (Gold) Banking relationship is a Circle (Gold) Checking and Circle (Gold) Savings account. Points will be awarded for both accounts.
  • 5. Page 7 citizensbank.com/celebratesummer • 888.411.7442 Page 8 Get the rewards you really want When you’re ready to redeem your Everyday Points®, choose from hundreds of rewarding possibilities — including merchandise, gift cards, travel, banking rewards and much more! Redeem for great rewards with as few as 4,000 points. Visit us online at citizensbank.com/everydaypoints to track and redeem your points. Here’s a small sample of the rewards you can choose from. See how fast your Everyday Points® can add up Use the table below to see how many points you might earn in a typical year. Refer to the chart on page 6 for point-earning details — or talk to a banker to see how easy and fast earning Everyday Points can be. Everyday Points Earnings Points per Year Relationship Type (Green, Circle, Circle Gold) How many products do you have with us? Do you have a savings and money market account? Spend per month with debit card Spend per month with credit card Online Bill Payments per month $ $ Total Points Earned Per Year: Merchandise Rewards Hundreds of brand name items across a variety of categories Travel Rewards Great experiences and fantastic discounts Gift Cards A wide variety of denominations from the brands you want Banking Rewards Choose a reward that fits your life · $25 Deposit into any Savings Account · $50 Deposit into any Money Market Account · $100 Deposit into an IRA · .25% Discount on Home Equity Loan or Line
  • 6. Page 9 citizensbank.com/celebratesummer • 888.411.7442 Page 10 Earn competitive rates on any new Premier Savings or Money Market Account! Enjoy security and easy access with a Premier Savings or Money Market Account Money Market and Savings Accounts can help you build your savings with competitive interest rates. Even better, we offer a variety of options that suit your needs. See page 5 to find out how you can earn more Everyday Points® when you have a savings and money market account. Talk to a banker or see our website for current rates and account options. As always, you can rest assured knowing your deposits are insured by the Federal Deposit Insurance Corporation — which means that you can save with confidence. Earn competitive rates on CDs! Savings! Savings! Smart Smart Let your savings grow with confidence CDs are good investments for both short and long-term goals. Our CDs are available in a variety of terms that range from 3-60 months, all with competitive yields. Talk to a banker or see our website for the terms that are right for you. As always, you can rest assured knowing your deposits are insured by the Federal Deposit Insurance Corporation — which means that you can save with confidence. SavingsSavings
  • 7. Page 11 citizensbank.com/celebratesummer • 888.411.7442 Page 12 Get 1/8% off our already low mortgage rates with Circle Gold Banking. Discounted rates for a limited time on a new home equity loan or line Home equity loans and lines of credit can help you with a variety of borrowing needs. Whether you’re consolidating debt, planning a remodeling project or funding a college education, we have a solution that fits your life. Talk to a banker to find the home borrowing solution that’s right for you. Get 1/8% off and great benefits with Circle Gold Mortgage AdvantageTM Now you can get 1/8% off your mortgage when you have Circle Gold Banking and your monthly mortgage payments automatically deducted from your checking account. The Circle Gold Mortgage Advantage™ also includes other great benefits like: • Monthly maintenance fees waived on Circle Gold Banking — a $20 per month savings! • Our highest packaged rates on checking balances, CDs and Circle Gold Money Market® Accounts • Reduced rates on home equity lines and loans, plus no annual fee on home equity lines for the first year; 50% discounted fee thereafter • Additional checking, savings and money market accounts for no additional fee • Plus, much more Saving for a new home? See page 13 to learn more about HomeBuyer SavingsSM and how you can earn $1,000 toward a new home. Home BorrowingHome Borrowing Savings! Smart Get up to 1/4% off a new Home Equity Loan or Line of Credit. Talk to a banker to learn how you can take advantage of this offer! Savings! Smart
  • 8. Page 13 citizensbank.com/celebratesummer • 888.411.7442 Page 14 Save at least $100 a month and earn $1,000 when you finance your new home with Citizens Bank! Save at least $25 a month and earn a $1,000 bonus toward your child’s future! Make your new home a reality with Citizens Bank HomeBuyer SavingsSM At Citizens Bank, we want to give you a jump start on saving for the important things in life, like buying a home. That’s why we’ve introduced Citizens Bank HomeBuyer SavingsSM . The HomeBuyer SavingsSM account is a manageable and rewarding savings plan that will help you achieve your goal of home ownership. The plan has three easy steps: 1. Save a minimum of $100 a month for 36 months (one skipped deposit allowed per year) 2. Receive $1,000 toward closing costs on your Citizens Bank mortgage 3. Get help from Citizens Bank to find the right mortgage and on ways to check your credit while you save There’s no limit to how much you can save. And handy calculators and tools are available to help you make sure you save enough and stay on track. A new home is one of the biggest purchases you’ll ever make. Get off to a great start with HomeBuyer SavingsSM . A rewarding way to save today for tomorrow: Citizens Bank CollegeSaverSM At Citizens Bank, we want to help you save for your child’s future — and give you one less thing to worry about. That’s why we’ve introduced Citizens Bank CollegeSaverSM . CollegeSaverSM is an easy, manageable savings plan that will help you meet your college savings needs. The plan has three easy steps: 1. Open a CollegeSaverSM account before your child’s 6th birthday 2. Save a minimum of just $25 a month every year (one skipped deposit allowed per year) 3. Receive a $1,000 bonus plus interest when your child turns 18 There’s no limit to how much you can save. CollegeSaverSM pays you higher rates as your balance grows. With CollegeSaverSM , you’ll receive reminders so you won’t miss a payment and can easily stay on track. Give your child a head start. Start saving today with Citizens Bank CollegeSaverSM . New ProductsNew Products Savings! Savings! Smart Smart
  • 9. Page 15 citizensbank.com/celebratesummer • 888.411.7442 Page 16 Business Banking Put our expert business bankers to work for you With industry expertise and knowledge that you can count on, our Business Banking team can provide easy, convenient banking solutions tailored for your business. Plus, as a Business Banking customer, you qualify for a personal checking account with no monthly maintenance fees. Ask the dedicated Business Banker in your branch for a free Business Needs Assessment. And choose from great services that meet your business needs: • Business Savings Account • Remote Deposit Capture Service • Merchant Services • Payroll Services • Business Credit Card • Professionals First for physicians, accountants and attorneys Savings! Smart • Open a new Business Green Checking® Account with no monthly maintenance fee for up to 200 transactions per month, free online banking and bill pay, and unlimited electronic transactions • Sign up for E-Z Deposit® remote deposit capture service and we’ll waive the monthly maintenance fee for the first six months • Receive up to $300 off the purchase of a new Hypercom 4220 terminal for new Merchant Services customers • Talk to a banker about our Business Premier Savings Account
  • 10. Page 17 citizensbank.com/celebratesummer • 888.411.7442 Page 18 Citizens Investment Services Plan for tomorrow with a complimentary financial review Whether your priorities include providing for your child’s education, saving for a comfortable retirement or preserving your current wealth, a Citizens Investment Services Financial Consultant can help you develop an investment strategy that’s right for you. We offer a wide variety of investment products and services to help you achieve your short-term and long-term goals. Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC. 53 State Street, MBS770, Boston, MA 02109. (800) 942-8300. CCO Investment Services Corp. is an affiliate of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. 001-051509Mktg-CIS Securities and Insurance Products are: NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Rewards! Great Discover the rewards of great business banking As a Business Banking customer, you can earn Everyday Points® for the things you do every day. When you are ready to redeem your Everyday Points, choose from hundreds of rewarding possibilities — including great gift cards, merchandise and travel rewards. Talk to a banker for more details or visit citizensbank.com/everydaypoints Business Banking Earn Everyday Points for Business Debit card purchases when you sign $1 spent = 1 point Debit card purchases when you use your PIN $2 spent = 1 point Credit card purchases $1 spent = 2 points Online Bill Pay 20 points per payment • Earn points on all your Business Debit Card, Business Credit Card and online bill payments • Get 100 points for registering your profile at citizensbank.com/everydaypoints Get a complimentary financial review to help ensure that your retirement plan is on track and to see if a 401(k) rollover is the right fit for you. One should consider the potential costs and fees associated with rolling over a 401(k) to Citizens Investment Services, in addition to any features or benefits one may lose as a result of this action.
  • 11. Page 19 citizensbank.com/celebratesummer • 888.411.7442 Page 20 Smart Savings Tips Smart Savings Tips Share your savings ideas! Provide your children with a small allowance at an early age and encourage them to save. Have them set an achievable goal and start saving. Consider opening a savings account just for this purpose. It’s a great way to encourage financial responsibility. When aunts, uncles or grandparents ask for holiday or birthday gift suggestions, ask them to make a contribution to your child’s education savings. My mother always gives books as gifts. Last year, she started a new tradition: tucking a small check “for college” into each one. Make sure you check out your car before going on a driving vacation. Tuning your engine and keeping your tires properly inflated can save gas — and can help head off a potential breakdown while on the road. Do you have a favorite savings tip that you’d like to share? We’re looking for tips from our customers to include in upcoming guides like this one. To submit your savings tip, simply send us an email at: savingstips@cfgcustomers.com Tips should be relatively short (preferably under 100 words). Please include your name, address, telephone and email address. If selected, your tip will be published with your first name and last initial, along with your hometown. If your teens can’t find summer jobs, encourage them to think like an entrepreneur. My 16-year old daughter is always on the computer and she loves online shopping. So she started a business helping people sell items on eBay. If you’re planning a home improvement, don’t be afraid to negotiate with the contractor. We recently installed new floors in our home and were able to save $1,000 off of the quoted price by removing the existing floors ourselves. If your mobile phone is turning into your primary phone, see if you can live without your landline. My wife and I realized we were spending about $50 a month on a number that we rarely used. If you have various accounts at multiple banks, see if you can benefit by consolidating them. My husband had an old savings account at another bank. We switched it to Circle Savings® and now we qualify for bonus points through the Everyday Points® program. Check your credit score for errors. When I went to buy a car, I couldn’t qualify for a low interest rate because my credit score was lower than expected. Turns out someone else with the same name had made some late payments. Now I check my score once a year. See if your health insurance company offers a discount if you work out on a regular basis. My provider deducts $20 from my bill if I go to the gym eight times a month.
  • 12. Page 21 citizensbank.com/celebratesummer • 888.411.7442 Page 22 Notes: Green$ense™ : Minimum 10 eligible transactions in a month to receive 10 cents per transaction. Earnings will be reported to the IRS for income tax purposes. Patent Pending. Everyday Points® Program: $25 annual enrollment fee applies. Terms, conditions, restrictions apply. See citizensbank.com/everydaypoints or speak to a banker for more details on the Everyday Points program. Mortgage Offer: Circle Gold Checking with automatic payment deduction required. One offer per property. Not applicable to Bond, CRA or our Jumbo Loans. Exclusions and restrictions may apply. Home Equity: One rate reduction per property. Not available on Capped Rate Home Equity Line Of Credit® or the Line of Credit as part of the Loan/Line Combo product. Checking account required. Minimum annual percentage rates apply. HomeBuyer SavingsSM : Minimum to open $100. Terms, conditions and withdrawal limitations apply. This does not represent a formal commitment for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. You must separately qualify, be approved and obtain a purchase-money mortgage loan from us. To obtain the $1,000 credit you must also: close on a mortgage with us within 3 years after the end of the 3-year savings period, and keep the account open until you close on a mortgage loan with us. One $1,000 credit per mortgage loan. Patent Pending. CollegeSaverSM : Minimum to open $25. Terms, conditions, withdrawal limitations apply. Variable-rate Annual Percentage Yield (APY) as of 5/27/09, APY by tier is: .30% for $25+, .40% for $1,000+, .40% for $2,500+, .50% for $10,000+, .50% for $25,000+, .50% for $50,000+, .50% for $75,000+, .50% for $250,000+, and .50% for $1,000,000+. APY may change after account opening. Minimum balance for the bonus at beneficiary’s 18th birthday varies. See terms and conditions for important tax information. Patent Pending. E-Z Deposit: E-Z Deposit offer available on business checking accounts and for businesses established for at least one year. 6-month refund period begins with month of activation and training. Activation must be completed no later than 10/30/09 to qualify for offer. Monthly service charge of $55 will be posted to the master billing account and refunds will be processed by end of month following the statement cycle. Per transaction fee of $.06 applies. Merchant Services: New-to-card merchants processing less than $150,000 in annual bank card volume will receive a $50 discount; between $150,000 and $300,000 receive $150 discount and $300,001 and over receive a $300 discount. Credit will be applied to statement. $495 early termination fee applies. Subject to approval and contractual requirements. Previous processor statements must be provided in order to verify annual processing volume amount, where applicable. Offer is not valid with any other RBS WorldPay offer. Member FDIC. Equal Housing Lender. Mortgages and Credit Cards are originated and offered by RBS Citizens N.A. MasterCard® is a registered trademark of MasterCard International Incorporated. Limited time offers available from 7/01/09 to 9/25/09 and may be withdrawn without notice. Accounts, loans and services subject to individual approval. Citizens Bank is RBS Citizens, N.A. and Citizens Bank of Pennsylvania. ©2009 Citizens Financial Group. All rights reserved.