Mortgages and Credit Cards are originated and offered by RBS Citizens N.A. Limited time offers available from 10/1/2009 to 12/26/2009 and withdrawn without notice. Accounts, loans and services subject to individual credit approval. Citizens Bank is RBS Citizens, N.A. and Citizens Bank of Pennsylvania.

Mortgage Offer: Circle Gold Checking with automatic payment deduction required. One offer per property. Not applicable to Bond, CRA or our Jumbo Loans. Exclusions and restrictions may apply. Applicable for new applications received between 10/1/2009 to 12/26/2009.

Home Equity and Credit Card Offer: One rate reduction per property. Not available on Capped Rate Home Equity Line Of Credit^® or the Line of Credit as part of the Loan/Line Combo product. Checking account required. Minimum annual percentage rates apply. Must already be a Citizens Bank credit card holder or apply for a credit card to receive home equity discount. $50 credit card bonus requires at least $250 spend each month for the first three months. The $50 bonus will be posted to your statement by 5/31/10. If you have an Everyday Points credit card the $50 bonus will be a credit in the form of Everyday Points. $50 bonus is available to new credit card customers only.

HomeBuyer Savings^SM: Minimum to open $100. Terms, conditions and withdrawal limitations apply. This does not represent a formal commitment for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. To obtain the $1,000 credit you must separately qualify, be approved and close on a mortgage with us within 3 years after the end of the 3-year savings period. Your account must remain open until you close on a mortgage loan with us. One credit per mortgage loan. Patent Pending.