Citizens Personal Money Market Disclosures

Rate information – At our discretion, we may change the interest rates for this account. Tier 1 – If your daily balance is $10,000.00 or more, the interest rate paid on the entire balance in your account will be 0.50% with an annual percentage yield (APY) of 0.50%. Tier 2 – If your daily balance is $2,500.00 or more, but less than or equal to $9,999.99, the interest rate paid on the entire balance in your account will be 0.15% with an annual percentage yield (APY) of 0.15%.

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

Minimum balance to open - The minimum balance required to open this account is 2,500.00

Minimum balance to obtain the disclosed annual percentage yield – You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield.

Deposit limitations – You may make an unlimited number of deposits into your account.

Withdrawal Limitations- Transfers from a Money Market Investment Account to another account or to third parties by pre-authorized or automatic transfer are limited to a 6 per statement cycle.  If you exceed the transfer or withdrawal limitations set forth above in any statement period, your account will be subject to a $15.00 per withdrawal fee.

Additional Terms – The following additional terms apply to this account: Minimum balance to avoid imposition of fees – An account maintenance fee of $15.00 will be imposed if the average daily balance falls below $2,500.00.  Fees could reduce earnings.