Citizens

*Important Disclosures

RATES AND FEES TABLE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	#ProductLine=CreditCard\|Brand=citizensbank\|ProductName=Citizens Everyday Points Business MasterCard\|RateName=Bonus Points\|ProductAttribute=RateValue#, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
APR for Balance Transfers	0.00% introductory APR for the first fifteen billing cycles from date of account opening. After that, your APR will be #ProductLine=CreditCard\|Brand=citizensbank\|ProductName=Citizens Everyday Points Business MasterCard\|RateName=Bonus Points\|ProductAttribute=RateValue#, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
APR for Cash Advances	#ProductLine=CreditCard\|Brand=citizensbank\|ProductName=Citizens Cash Back Plus World MasterCard\|RateName=Penalty APR\|ProductAttribute=RateValue#. This APR will vary with the market based on the Prime Rate.*
Penalty APR and When it Applies	None
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date of each month. You will pay interest on Cash Advances, Balance Transfers and Convenience Checks from the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.50
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	None
Transaction Fees
·Balance Transfer	Either $10 or 5% of the amount of each transfer, whichever is greater.
·Cash Advance	Cash Loans, ATM Loans, and Convenience Check Loans: Either $10 or up to 3% of the amount of each advance, whichever is greater. Cash Equivalent Transactions: Either $10 or 5% of the amount of each advance, whichever is greater.
·Foreign Transaction	None
Penalty Fees
·Late Payment	Up to $41
·Returned Payment	None
·Over-the-Credit Limit	None

How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)."See Cardholder Agreement for more details.

*How We Will Calculate Your Variable Rates: Your variable rates may change when the Prime Rate changes. Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the index to a margin of 12.74, 16.74, or 20.74 percentage points. The APR for Cash Advances may vary monthly and will be reset on the first day of each billing cycle by adding the index to a margin of 21.74 percentage points. The index is determined monthly and it is the Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, we will use the Prime Rate published on the next business day.

The information about the costs of the card described in this application is accurate as of

This information may have changed after that date. To find out what may have changed, call us toll-free at 1-800-426-1114 or write to us at Credit Card Services, P.O. Box 7092, Bridgeport, Connecticut 06601.

The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) If eligible, it may take up to 15 days to process any Reward Program upgrades. Rewards will be applied after upgrade has been processed. F) Other terms may apply and will be included in the Agreement.

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Military Lending Act Information: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To hear the Military Lending Act Information, call 866-999-6336.

Notice to New York Residents: Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports. New York residents may contact the New York State Department of Financial Services by telephone at 1-877-226-5697 or visit its website at http://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No agreement, court order, or individual statement applying to marital property will adversely affect our rights with respect to your credit card account, unless you provide us now with a copy of, or complete information about, the agreement, order, or statement or unless we have actual notice of it.

AGREEMENT: You understand that your account will be governed by the Agreement that will be sent with your credit card. You authorize the issuer of your credit card, identified below, to obtain copies of your consumer report to service your account, manage your account relationship, or for any other legitimate business purpose.

We may try to contact you to confirm your acceptance of the account. If we are unable to contact you, the account may not be opened.

This credit card is issued by Citizens Bank, N.A.