*Important Disclosures

RATES AND FEES TABLE

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 10.74, 14.74, or 18.74 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 #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#. 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.

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.