This is a brief listing of our products. Citizens Bank invites you to come in and visit us. You may pickup one of our Disclosure Booklets which will list in detail all of our products, fees and requirements.

PERSONAL CHECKING

Minimum Opening Balance
Personal ....................................................................................... $100.00
Statement Period: Monthly
Fees Vary According to Account Balance

See our Disclosure Booklet for more information.

STUDENT ACCOUNTS

Minimum Opening Balance
Checking .....................................................................................  $50.00
Savings   .....................................................................................  $50.00 
No Service Charge or Maintenance Fee
Student must be enrolled full time to qualify.
Proof and/or verification of full time status will be requested annually.

See our Disclosure Booklet for more information.

ADVANTAGE CLUB CHECKING

Minimum Opening Balance
Personal ....................................................................................... $100.00
Statement Period: Monthly
No Minimum Balance Required
Unlimited Checking
Money Orders are available to you at no issue fee.
See our Advantage Club brochure for all the great benefits associated
with this account.
Fees Vary According to Account Balance

See our Disclosure Booklet for more information.

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DIRECT CHECKING

Minimum Opening Balance
Personal ..................................................................................... $100.00
Statement: Period: Monthly
Fees Vary According to Account Balance.
No Charge for Direct Deposit Items

See our Disclosure Booklet for more information.

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COMMERCIAL/NON-PERSONAL CHECKING

Minimum Opening Balance ...................................................... $250.00
Statement Period: Monthly
Fees Vary According to Account Balance.

See our Disclosure Booklet for more information.

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SENIOR CITIZENS
PERSONAL NON-INTEREST BEARING CHECKING ACCOUNT

Age 65 & over
Minimum Opening Balance ..................................................... $100.00
Statement Period - Monthly.

See our Disclosure Booklet for more information.

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NOW ACCOUNTS

Minimum Opening Deposit ..................................................... $100.00
Minimum balance required to obtain APY ............................ $1,000.00
Interest Computation Method ....................................... Daily Balance
Interest will be compounded ................................................... Monthly
Interest credited ...................................................................... Monthly
Fee will follow the same schedule as active accounts.

See our Disclosure Booklet for more information.

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INSURED MONEY MARKET ACCOUNTS

Minimum Opening Deposit ..................................................... $100.00
Minimum balance required to obtain APY as listed ............. $2,500.00
Interest Computation Method ...................................... Daily Balance
Interest will be compounded ................................................... Monthly
Interest Credited ..................................................................... Monthly

See our Disclosure Booklet for more information.

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