Terms of Use

Notice

Citizens Financial Group, its affiliates and subsidiaries, including RBS Citizens, N.A. and Citizens Bank of Pennsylvania ("Citizens") are providing this website (the "Site") to you subject to the following terms ("Terms"). These Terms should be read carefully as they exclude or limit Citizens' liability and set forth the terms and conditions which apply to your use of the Site. By using the Site, you agree to be bound by the Terms below. If, at any time, the provisions of these Terms are not acceptable to you or if you do not agree to be bound by these Terms, please discontinue your use of the Site.

Use of Information and Materials

The information and material contained within this Site, and the terms, conditions and descriptions that appear are subject to change. Unauthorized use of this Site or unauthorized entry into Citizens' systems, misuse of passwords or misuse of any information contained within the Site is strictly prohibited. The availability of products and services described on this Site, as well as associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Your eligibility for products or services described in the Site is subject to Citizens' approval, in its sole discretion. Investment services are not bank deposits and are not insured by the FDIC or any other third party, and are subject to investment risks, including the loss of the principal amount invested. You are hereby authorized to view the information contained in the Site and print pages in the Site for informational, non-commercial purposes only.

Copyright © Citizens 2007

Content in the pages, in the screens displaying the pages, and in the information, materials and other content contained in the Site is owned by Citizens unless otherwise indicated and is protected by United States and international copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to created a derivative work, sold, or otherwise used for public or commercial purposes without the express written consent of Citizens. No solicitation is made by Citizens to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law.

Trademark Notice

CHARTER ONE and CITIZENS BANK are registered trademarks of Citizens Financial Group, Inc. The daisy device is a registered trademark of The Royal Bank of Scotland Group plc used under license by Citizens Financial Group, Inc. In addition, Citizens claims rights in certain other registered and unregistered trademarks and service marks contained on this Site. Unauthorized reproduction or use of any such trademarks and service marks is prohibited.

Submissions

All information submitted to Citizens via this Site shall be deemed and remain the property of Citizens and Citizens shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information you provide Citizens through this Site. Citizens shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Citizens' responsibilities and obligations to customers in accordance with the Citizens' Privacy Pledge.

Third Party Links

Citizens has provided hypertexts links and pointers to websites maintained by third parties that are not part of the Site for you to access in your sole discretion and may from time to time provide third party materials on the Site ("Third Party Sites"). Neither Citizens nor its suppliers operates or controls in any respect any information, products, or services on these Third Party Sites, and Citizens makes no representations and you expressly agree that Citizens is not responsible for any losses or damages in connection with the information, security, privacy practices, availability, content or accuracy of materials of such Third Party Sites. The provision of hypertext links to these Third Party Sites is not a guarantee or endorsement of the products, services, information, or recommendations of such Third Party Sites, and Citizens is not liable for any reliance upon or the failure of any products or services advertised on these or any other Third Party Sites. Also, you should be advised that Third Party Sites might have a privacy policy different from that of Citizens and Third Party Sites may provide less security than this Site.

Disclaimer of Warranties

Access to and use of the Site is at your own risk and Citizens or its suppliers do not warrant that the use of this Site or any material downloaded from it will not cause damage to any property, or otherwise minimize or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, Citizens accepts no liability in respect of losses or damages arising out of changes made to the content of the Site by unauthorized third parties.

Limitation of Liability

IN NO EVENT SHALL CITIZENS OR ITS THIRD PARTY SUPPLIERS BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES, LOSSES OR EXPENSES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR RELIANCE ON OR USE OR INABILITY TO USE THE INFORMATION, MATERIALS, PRODUCTS OR SERVICES ON THIS SITE, OR IN CONNECTION WITH ANY FAILURE OF AVAILABILITY, PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF CITIZENS OR ITS THIRD PARTY PROVIDERS ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. THE FOREGOING LIMITATION MAY NOT APPLY TO THE EXTENT SUCH LIMITATION IS PROHIBITED BY APPLICABLE LAW.

Governing Law and Jurisdiction

You agree that your use of the Site shall be governed by all applicable Federal laws and the laws of the State of Rhode Island without giving effect to any principles of conflicts of law. You expressly agree to submit to the sole and exclusive jurisdiction of the state and federal courts sitting in the City of Providence in the State of Rhode Island.

Revised 9/1/2007

Member FDIC