citizens bank celebrate summer catalog

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Be the first to know about new and exciting offers from Citizens Bank. Sign up online at citizensbank.com/celebratesummer

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citizensbank.com/celebratesummer • 888.411.7442

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Home Borrowing

Credit Card

Investments

Savings

Business Banking

New Products

Great rewards and smart solutions

Celebrate summerwith 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

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888.411.7442

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A banker at any Citizens Bank branch

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

Checkingand Rewards

with programs that help you save more and earn more

Rewards!Great

Checking

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Credit Card

Rewards!Great

Earn rewards faster with our enhanced Everyday Points® programGet 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.


Get the rewards you really wantWhen 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 RewardsHundreds of brand name items across a variety of categories

Travel RewardsGreat experiences and

fantastic discounts

Gift CardsA wide variety of denominations

from the brands you want

Banking RewardsChoose 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


Earn competitive rates on any new Premier Savings or Money Market Account!

Enjoy security and easy access with a Premier Savings or Money Market AccountMoney 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


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 lineHome 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


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 mortgage3. 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 birthday2. 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


Business Banking

Put our expert business bankers to work for youWith 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


Citizens Investment Services

Plan for tomorrow with a complimentary financial reviewWhether 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 bankingAs 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.


Smart Savings Tips Smart Savings Tips

Share yoursavings 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:

[email protected]

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.


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.

citizens bank celebrate summer catalog

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