Citizens Bank Green$ense Platinum MasterCard

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

LIBOR

Margin:

14.24

14.24%

21.74%

APR:

14.99% Variable

22.49% Variable

APR Floor:

None

Intro Rate:

None

0.00%

N/A

Intro Period:

None

First 12 billing cycles

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

21 days

Default/Penalty APR:

Up to 29.99% Fixed

Default/Penalty Margin:

N/A

Default/Penalty APR Floor:

None

Maximum Default APR:

29.99%

Penalty/Default Trigger:

The Penalty APR may be applied to your account if you: fail to make the minimum payment by the payment due date; exceed your Cash Advance Limit or your Total Credit Limit; provide false information to the card issuer; use the account for an illegal transaction; do not pay debts (including other accounts with the card issuer) when due; make a payment that is returned or dishonored, or; fail to keep a promise under the agreement or if the card issuer believes that you will not keep a promise, including making payments.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

3%

Late Fee:

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

Notes:

Rebate Description:

Earn 25¢ in Green$ense Cash on every Green$ense Credit Card purchase up to $20 per month when you make a minimum 10 credit card transactions. Earn more cash back faster when you open a Citizens checking account and enroll in the banks new Value Plan or Combined Plan. You will earn 50¢ on each credit card purchase with no monthly cap and no need to make 10 qualifying transactions. You can earn up to $240 annually in Green$ense Cash, which will be automatically deposited into your Green$ense enrolled checking account each month.

Special Notes:

Balance Transfer requests made at time of application, 3% of the amount of each transfer or $10 whichever is greater; thereafter, 4% of the amount of each transfer or$10 whichever is greater. Cash Advance fee is either $10 or up to 3% of the amount advances, whichever is greater. Cash Equivalent Transactions the greater of $20 or 5% of the transaction. Foreign Currency Fee $1.50 or 3.00% whichever is greater. Grace Period: Your due date is at least 21 days after the close of each billing cycle. The card company 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, unless promotional terms apply.

Card Issued By:

RBS Citizens,N.A.

General Correspondence Address:

PO Box 7092, Bridgeport, CT, 6601

Card Type:

MasterCard

Card Class:

Platinum

Card Category:

Balance Transfer, Cash Back, Low Intro Rate, Reward

States Available In:

ALL