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.

PASSBOOK SAVINGS

Minimum Opening Deposit .......................................................... $25.00
Interest credited ....................................................................... Quarterly
Interest Computation Method ........................................ Daily Balance
Interest will be compounded ................................................... Quarterly
Interest will not be paid if balance falls below .......................... $200.00

See our Disclosure Booklet for more information.

CHRISTMAS CLUB ACCOUNTS

Minimum Deposit to Open Account .............................................. $2.00
Citizens Bank will make your last weekly payment (determined by your plan selection) for you, provided that your balance is the equivalent of 49 weekly payments and the account remains on deposit until the year end cutoff. This payment may be reported to the I.R.S. as interest. A check for the balance plus the bonus payment, if earned, is mailed by November 1 of each year.

See our Disclosure Booklet for more information.