Citizens Bank Savings Accounts Disclosures

CITIZENS CLASSIC SAVINGS ACCOUNT

Compounding frequency - Interest will be compounded daily.

Crediting frequency - Interest will be credited into this account monthly.

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to avoid a fee - If your balance falls below $100.00 on any day in the month, your account will be subject to a $1.00 Low balance Fee for that month.

Deposit limitations - You may make any number of deposits into your account.

Limitations on frequency of transfers - During any calendar month or statement cycle of at least four weeks, if you make more than one withdrawal or transfer to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction you are subject to a $2.00 per withdrwal fee. Additionally, per Regulation D of the Federal Reserve Code, your account transactions are limited to six preauthorized debits per month. Repeated violations of Regulation D may result in your account being transfered to another product better suited to serve your needs.

CHRISTMAS CLUB ACCOUNT

Compounding frequency - Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to open - The minimum balance required to open this account is $50.00.

Deposits limitations - You may take an unlimited number of deposits into your account.

Fees and Charges - The following fees and charges apply to this account:

EARLY CLOSE OUT: $10.00 per.

Additional Terms - The following additional terms apply to this account: NO WITHDRAWAL ARE PERMITTED ON THIS ACCOUNT.




iBanking Home Page Chairman's Message President's Message About Us General Information Locations Current Rates What's New Job Openings Kids Corner Lending Products Deposit Products Investment Products Calculators Interesting Links Privacy & Security Disclosures Contact Us		Savings Accounts Disclosures CITIZENS CLASSIC SAVINGS ACCOUNT Compounding frequency - Interest will be compounded daily. Crediting frequency - Interest will be credited into this account monthly. Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Minimum balance to avoid a fee - If your balance falls below $100.00 on any day in the month, your account will be subject to a $1.00 Low balance Fee for that month. Deposit limitations - You may make any number of deposits into your account. Limitations on frequency of transfers - During any calendar month or statement cycle of at least four weeks, if you make more than one withdrawal or transfer to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction you are subject to a $2.00 per withdrwal fee. Additionally, per Regulation D of the Federal Reserve Code, your account transactions are limited to six preauthorized debits per month. Repeated violations of Regulation D may result in your account being transfered to another product better suited to serve your needs. CHRISTMAS CLUB ACCOUNT Compounding frequency - Interest will be compounded monthly. Crediting frequency - Interest will be credited into this account monthly. Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Minimum balance to open - The minimum balance required to open this account is $50.00. Deposits limitations - You may take an unlimited number of deposits into your account. Fees and Charges - The following fees and charges apply to this account: EARLY CLOSE OUT: $10.00 per. Additional Terms - The following additional terms apply to this account: NO WITHDRAWAL ARE PERMITTED ON THIS ACCOUNT.