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Retail Checking and Savings Fee Schedule

CHECKING ACCOUNTS	Interest Rate Tiers	Annual Percentage Yield (APY)	Minimum Deposit to Open	Maintain one of the following balances to avoid monthly fees:	If you fall below the balance requirements, these monthly fees apply:	Other
CHECKING ACCOUNTS	Interest Rate Tiers	Annual Percentage Yield (APY)	Minimum Deposit to Open	Balance	Maintenance Fee¹	Other
Advantage Checking	N/A	N/A	$50	$500 minimum daily balance $2,500 combined average daily balance	$10	No charge for check safekeeping, Check Images $3 per month
Bonus Checking^SM	Balance $0-999; $1,000-9,999; $10,000-24,999; $25,000+	For current rates and APYs click here. Your APY will be provided upon receipt of your initial deposit.	$50	$1,000 minimum daily balance; $10,000 combined average daily balance	$15	choice of check safekeeping or check images at no charge
Free ‘n Easy Checking^SM	N/A	N/A	$50	N/A	N/A	Overdraft Reserve accounts are not available; Accounts with no client initiated activity for 12 consecutive months will be changed to Advantage Checking and subject to terms and monthly Maintenance Fees then in effect. No charege for check safekeeping, Check Images $3 per month No charge for online statements³ Paper statements $3 per month
*Premium Checking	Balance $0-999; $1,000-4,999; $50,000+ If all account requirements are met* Balance $5,000+	For current rates and APYs click here. Your APY will be provided upon receipt of your initial deposit.	$50	$5,000 minimum daily balance; $25,000 combined average daily balance	$25	Waiver of 4 foreign ATM fees Choice of check safekeeping or check images at no charge

SAVINGS ACCOUNTS²	Interest Rate Tiers	Annual Percentage Yield (APY)	Minimum Deposit to Open	Maintain the fol- lowing balance to avoid fees:	If you fall below the balance requirement, these fees apply:	Transaction Fees
SAVINGS ACCOUNTS²	Interest Rate Tiers	Annual Percentage Yield (APY)	Minimum Deposit to Open	Balance	Maintenance Fee	Transaction Fees
Accelerated Savings®	Balance $0-9,999; $10,000-24,999; $25,000-49,999; $50,000-99,999; $100,000+	Currently not offered online. Please call 800-676-6276 for rates.	$10,000	$10,000 minimum daily balance	$20 monthly	N/A
**Accelerated Savings® Plus	Balance $0-9,999; $10,000-24,999; $25,000-49,999; $50,000-99,999; $100,000+	For current rates and APYs click here. Your APY will be provided upon receipt of your initial deposit.	$10,000	$10,000 minimum daily balance	$20 monthly	N/A
Money Market Savings	Balance $0-9,999; $10,000-49,999; $50,000+	For current rates and APYs click here. Your APY will be provided upon receipt of your initial deposit.	$50	$2,000 minimum daily balance	$12 monthly	$15 each if you exceed 6 pre-authorized debits or 6 checks per statement cycle
Statement Savings	All Balances	For current rates and APYs click here. Your APY will be provided upon receipt of your initial deposit.	$50	$100 minimum daily balance	No charge for the 1st 12 months, $12 quarterly thereafter	No charge for the 1st 12 months Each in person withdrawal after the 1st 18 during the quarter is subject to a $15 charge, regardless of balance
Let It Grow Gift Account^SM	All Balances	Currently not offered online. Please call 800-676-6276 for rates.	$50	N/A until minor reaches the age 18, then $100 minimum daily balance thereafter	N/A until minor reaches the age 18, then $12 quarterly thereafter	No charge for the 1st 12 months Each in person withdrawal after the 1st 18 during the quarter is subject to a $15 charge, regardless of balance

¹If account balance is less than the monthly maintenance fee, the account will be brought to a $0 balance and the remaining fee due will be collected once a deposit is made to the account or the account will be closed after the next statement cycle.

²Savings and MMIAs are limited to no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle of at least four weeks to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephone agreement, order or instruction, or by check, debit card, or similar order made by the depositor and payable to third parties. Your account could be closed if you repeatedly exceed these transfer limitations after notice has been given.

³If your Online Banking Service is closed or cancelled and you receive Online Statements on your accounts, your statements will revert to paper statements. Refer to your Online Banking Agreement for further details.

Minor savings accounts will convert to the standard account guidelines after the client reaches age 18.

Balance Definitions and Computations

Definitions: The minimum daily balance is the ledger balance in your account on any calendar day. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The combined average daily balance is the aggregate average daily balance in the linked accounts. Advantage^, Bonus and Premium Checking maintenance fees can be offset by the combined average daily balances in the primary owner’s Savings, CDs and IRAs.

Balance Computations: The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Your interest rate and annual percentage yield (APY) may change at our discretion at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest bearing checking accounts, Accelerated Savings, Accelerated Savings Plus and Money Market Savings compound and credit monthly. Accelerated Savings, Accelerated Savings Plus will receive quarterly statements. Statement Savings and Let It Grow Gift Account compound and credit quarterly. If you close your account before interest is credited, you will forfeit this interest at the time of closure

Other Fees Applicable to both Checking and Savings Accounts

Account Early Closing Fee (if closed within 120 days of opening)	$25
ATM Mini-Statement	$2 each
Chargebacks (items that are charged back to your account)	$10 each
Check Printing	price varies
External Transfer Service Fee for outgoing transfers initiated through Online Banking	$3 each
Garnishment and Levy Processing Fee - unless otherwise limited by applicable law	$75 per item
Non-Citizens Bank ATM Activity Fees - includes withdrawals, balance inquiries, transfers and international transactions	$2 each
Returned Mail Fee	$6 (each occurence)
Stop Payment Fee	$30 per item
Verification of Deposit (unless otherwise limited by applicable law)	$10 each

Overdraft/NSF Fees Applicable to both Checking and Savings Accounts

1 occurrence	$28 per item
2 or more occurrences	$36 per item
We will not charge an Overdraft/NSF fee if your checking account balance is overdrawn $5 or less. Fees assessed for overdraft (paid) items or non-sufficient funds (returned) items will be based on the number of non-sufficient balance occurrences during a specific time period. This period of time is defined as the previous 12 months plus the current month. An occurrence is any day that an item is presented for payment against your account on which the account balance does not have sufficient funds to pay that item. See your Deposit Account Rules for a description of items.	Maximum of 6 fees per day. One occurence $28 per item Two or more occurences $36 per item
Continuous Negative Balance Fee: If your account remains overdrawn for 5 or more consecutive days, you will incur a Continuous Negative Balance Fee after every 5h calendar day until the account is brought to a positive balance.	$36
Overdraft Transfer Account	$10 per transfer

*Premium Checking

To qualify for a higher interest rate and APY, the following requirements must be met during the Qualification Cycle¥:

Complete ten debit card transactions (Signed or PIN). Debit card transactions are ones which have posted to your account. "Pending" transactions do not qualify.
Receive e-Statements through Online Banking
Have at least one direct deposit
Maintain $5,000 average ledger balance
Maintain a current e-mail address with us

¥The statement period for all Premium Checking accounts will run from the 16th of the month to the 15th of the next month (ex. April 16 to May 15). If the beginning or ending dates of the statement period are a non-business day, the statement will begin or end on the prior business day. The Qualification Cycle is the period beginning two (2) business days prior to the previous statement and ends three (3) business

**Accelerated Savings^SM Plus

Elegibility: Account ownership for Accelerated Savings Plus and the related checking account is limited to individual or joint accounts only.

To qualify for a higher interest rate and APY, the following requirements must be met during the Qualification Cycle^+:

Maintain a Bonus Checking^SM or Premium checking account and Citizens Online Banking with Bill Pay.
Pay at least two (2) bills each qualification cycle from your Bonus or Premium Checking account using Bill Pay.

⁺The Qualification Cycle for the Accelerated Savings^SM Plus account is the period beginning on the first business day of the month and ending three (3) business days prior to the end of the month. If you meet the requirements during the Qualification Cycle, you will earn the higher interest rate and APY on the Accelerated SavingsSM Plus account during the next Qualification Cycle. If you fail to meet the above requirements during any Qualification Cycle, you will earn interest at the posted Accelerated Savings^SM account rates.

Employee Rewards Package

For employees of participating commercial clients

Advantage Checking monthly maintenance fees may be avoided with direct deposit. If direct deposit is not maintained, Advantage maintenance fees will apply.

Bonus Checking fees may be avoided with direct deposit and $1,000 minimum daily balance. If direct deposit and $1,000 minimum daily balance is not maintained, Bonus maintenance fees will apply.

Non-Citizens Bank ATM activity – After the 1st 15 withdrawals, $2 each. The 1st 15 ATM surcharges will be refunded. All other non-Citizens Bank ATM fees apply.

Student Preferred Package

For college students 18-25 years old with a valid student ID

Free 'N Easy checking account with the waiver and surcharge rebate of two non-Citizens Bank ATM withdrawals per statement cycle and waiver of the first Overdraft/NSF fee occurence in each 13 month period. Normal account and ATM fees apply once the student reaches age 26.

Revised January, 2012