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GoalTrack Savings^sm Program Agreement

This agreement (“Agreement”) is an addendum to the Personal Deposit Account Agreement and Fees and Features Guide and sets forth the terms and conditions that apply to the GoalTrack Savings^SM program. By enrolling online a new or existing account or otherwise enrolling in the GoalTrack Savings^SM program, you agree to these terms and conditions. In this Agreement, “you” and “your” mean the person(s) participating in GoalTrack Savings; “we,” “our,” “us,” and “Citizens Bank” mean RBS Citizens, N.A. and Citizens Bank of Pennsylvania. If there is a conflict between any provisions of this Agreement and any provisions of the Personal Deposit Account Agreement, the provisions of this Agreement control.

GoalTrack Savings^sm

The GoalTrack Savings program provides you an opportunity to obtain a bonus by saving towards a personal goal and meeting monthly saving requirements during a specific saving period all of which is determined by you.

Enrollment

To enroll in the GoalTrack Savings program;

• You identify your savings goal, name it and then determine the amount and the length of time you wish to save (Savings Period).
• Use the online savings calculator to determine the minimum monthly deposit (Minimum Required Balance) you must make over the Savings Period you have selected.
• Enroll a new or existing eligible savings account in the GoalTrack Savings^SM program. Eligible accounts do not include, CollegeSaver^SM, Home Buyer Savings^SM, Premier Savings, High Yield Savings, Money Market Accounts, CD Accounts, Trust Accounts and such other accounts that we may determine from time to time.
• IRA Savings Accounts may be enrolled in the GoalTrack SavingsSM program but are not Bonus eligible because of restrictions imposed by IRS rules. The Citizens Bank IRA Savings Plan consists of a Variable Rate IRA Savings account accompanied by Steady Save. IRA contributions via Steady Save® are for current-year contributions only. See a banker to make a prior-year contribution. On your statement, your account will be titled Variable Rate Savings IRA. IRA transfer transaction capability applies to Steady Save and GoalTrack Savings programs only.

Bonus Eligibility

Subject to the terms and conditions of this agreement, to be bonus eligible

• The minimum monthly deposit you must make will vary based on the amount and length of time of your savings plan. However, to be bonus eligible you must save a minimum of $25 for 8 months up to a maximum of $400 per month for 36 months.
• You meet your Minimum Required Balance by making your monthly deposit by the end of each calendar month, beginning with the calendar month after you enrolled your savings account in the GoalTrack SavingsSM program up until the last month of the Savings Period. You may miss one minimum monthly deposit during the Savings Period beginning the calendar month in which you opened your account provided that you make up the missed deposit by the end of the following month. If you do not make the missing minimum monthly deposit you will no longer be eligible for a Bonus.
• To determine your eligibility for the Bonus, we will review your GoalTrack SavingsSM account balance each calendar month. On the last business day of each calendar month, your account balance must be at least the Minimum Required Balance. For purposes of calculating your Minimum Required Balance, we do not count the calendar month you enrolled in the program as a full calendar month.
  
  If you have enrolled a new account in the program your Minimum Required Balance is; monthly deposit times [the number of full calendar months your account has been opened]
• If you enroll an existing eligible savings account in the GoalTrack Savings program you must maintain the pre-existing balance in that account as part of your Minimum Required Balance. Your Minimum Required Balance is; the balance in the account when you enroll in GoalTrack Savings plus the monthly deposit times [the number of full calendar months your account has been enrolled in the program]. If in a calendar month your pre-existing balance is less than that at account opening you must cure the shortfall by the end of the following month.
• You may make withdrawals from your GoalTrack Savings account, provided that you meet your Minimum Required Balance. If you do not meet a Minimum Required Balance because of withdrawals or otherwise, you may deposit funds to make up the shortfall by the last calendar day of the following month. If you do not you will no longer be eligible for the Bonus.

Below is an example of a Minimum Required Balance for an existing eligible savings account with a balance of $5000 with a savings program of $1200 for 12 months.

Calendar months	Opening Balance	Minimum required Balance
1	$5,000	$5,100
2	$5,000	$5,200
3	$5,000	$5,300
4	$5,000	$5,300
5	$5,000	$5,500
8	$5,000	$5,800
10	$5,000	$6,000
12	$5,000	$6,200

• For example, using the chart above, if at the end of Calendar Month 4 your GoalTrack Savings balance is $4300, because you withdrew $1000 from the account, you must have an account balance of $5500 at the end of Calendar Month 5. If you do not make a deposit of $1200 by the last calendar day of the following month you will no longer be eligible for the Bonus.
• If you close the account that is enrolled in the GoalTrack Savings program before you reach your goal, cancel the GoalTrack Savings program, do not comply with the terms and conditions of this agreement or for any other reason determined by us you will no longer be eligible for the bonus.
• Provided you have meet all of the terms and conditions of this agreement, your bonus will be awarded to you 1 month from the date upon which you have meet your savings goals. You must redeem your bonus within 6 months from the date the bonus has been awarded.

Bonus and Savings Options

The value of your Bonus is determined by the minimum monthly deposits you make and the number of months for which you save subject to the following limitations:

• A minimum bonus will be earned for savings $25 per month for 8 months
• The maximum bonus that may be earned is for saving $400 per month for 36 months.
• You may choose to save more than the maximum for Bonus eligibility, however there are no incremental bonuses associated with this level of savings.
• You may elect to opt out of the bonus incentive and enroll in the saving program only, in which case your monthly Minimum Required Balance is $1 and the maximum is $999,999 with a maximum Savings Period of 20 years.

Other Terms and Conditions

• We may change the bonus merchandise without notice to you and further if bonus merchandise is out of stock or no longer available we may substitute a product of equal or greater value.
• You maybe enrolled in more than one GoalTrack Savings program but each program must be linked to a separate eligible account.
• Business accounts are not eligible for the GoalTrack Savings program.
• The actual account balance required to obtain the Bonus varies, based on the total dollar amount saved, length of the savings period and if the amount of any pre-existing balance if you have enrolled an existing eligible savings account in the GoalTrack Savings program.
• We reserve the right to discontinue or change the terms and conditions of GoalTrack Savings at any time. If we do so, we will provide notice if required by law. If we discontinue the GoalTrack Savings program and you have meet all of your savings goals you will remain bonus eligible and you will have 6 months from the date your bonus was awarded to redeem.
• Interest earnings on the funds you deposit in your GoalTrack Savings account and the Bonus will be reported to the IRS for income tax purposes.
• Your account which is enrolled in the GoalTrack Savings program is subject to the withdrawal and transfer limitations described in Section C.6 (a) of the Personal Deposit Account Agreement that you received with this Agreement at account opening. If you exceed these limitations you will no longer be eligible for the Bonus and you account will be converted to a non interest bearing account.
• GoalTrack Savings is void where prohibited by applicable law.