SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead.

SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead.

credit card Good banking for Good Citizens. twelve months. one low rate. We believe in treating our customers the way we d like to be treated: as fellow citizens and neighbors. Enjoy 0% intro APR on balance transfers for 12 months, then a variable APR as low as 11.99%. That s why we strive to make banking fit your life. So you can do your day-to-day banking anytime online, via mobile banking, or at any of our 3,700 ATMs. And when you need to talk with a banker, we make that easy, too, with more than 1,400 branches, including a network of supermarket branches open seven days a week. Plus, our 24/7 phone bank support makes it easy to talk to a banker when you need to even at three in the morning. We even do our best to make sure you re getting the most out of banking with us. Just ask for a free financial review. In just a few minutes, your banker can help you examine your financial situation in order to make the right choices for your priorities and goals. Enroll your card in our Green$ense program and earn $1 for every qualifying card purchase over $25 through March 31.* You can save hundreds of dollars by transferring balances from higher rate credit cards to a new Charter One credit card. Whatever you re looking for in a credit card, there s a Charter One credit card that s right for you. Each has its own unique set of benefits to give you extra flexibility with your finances. Choose from: Accelerator Rewards Platinum MasterCard CashBack Platinum MasterCard Platinum MasterCard Green$ense Platinum MasterCard Talk with a banker today! * Offer good for purchases made through 3/31/11 when you open a new credit card account by 3/15/2011. 2 charterone.com 888-500-0469 charterone.com 888-500-0469 3

Borrowing Borrowing EVERYONE REMEMBERS THEIR FIRST HOMe. Earn 1/8% off your loan rate with our Charter One Circle Gold Mortgage Advantage Program. MAKE YOUR HOUSE A HOME. AND YOUR PANTRY A BREAKFAST NOOK. Apply for a Charter One home equity loan or line of credit at our low rates and pay no closing costs! Charter for Homes means making it a We can help you save for Most Charter One Owning a home is great, but making it yours priority to put more roofs over the heads of a home. Ask about our home equity loans or lines with a new kitchen, rumpus room or man more citizens. As one of the fastest-growing HomeBuyer Savings SM close in as little as two to cave can be even better. As a leading lender mortgage lenders in our markets, we re Program that rewards you three weeks, and there in our region, we can guide you to the right championing cohesive neighborhoods and with a $1,000 bonus. are no closing costs. loan at a good rate. We re for sensible lending, solid communities. clear terms and manageable debt. That s what Our expertise and guidance are helping make Charter for Homes is all about. the dream of home ownership a reality for more people than any other bank around. We re lending at good rates, with clear terms and manageable payments. That s what Charter for Homes is all about. 4 charterone.com 888-500-0469 charterone.com 888-500-0469 5

Savings SAVINGS we ll help you save. Saving money isn t always easy. We can help you create a plan and stick to it. BUILD A SECURE FUTURE with OUR IRA SAVINGS PLAN. Open a new IRA Savings Plan and we ll deposit a $10 bonus into your account.* Charter One can help you find the However you save, Competitive interest plus An Individual Retirement Account can help independence and peace of mind that comes Charter One makes it tax benefits add up to you build the savings you need for a secure from having money in the bank. Your goal is easier with Steady Save, one of the best savings retirement, with potential tax deductions** closer than you think. Just $3 a day adds up the convenient service vehicles you ll find. that can help your savings grow faster. to more than $1,000 of savings in a year. Our easy savings plans can help you reach your goals home ownership, a child s education or just being prepared for a rainy day. that automatically transfers funds from a deposit account on a schedule that you set up. The Charter One IRA Savings Plan helps you make the commitment to saving by combining an IRA Savings account with Steady Save, our automatic account transfer feature. Steady GoalTrack Savings SM Set your savings goal Save automatically transfers the amount you and your monthly contribution. Once you meet choose from your checking account to your IRA your goal, you can choose your reward. savings account as often as you choose CollegeSaver Save for a child s SM education and watch your balance grow. so you can put your saving contributions on automatic and watch your balance grow. Plus, earn a $1,000 bonus when you make the minimum monthly contributions until your child s 18th birthday. *$10 bonus deposited into non-ira account at account opening. ** Consult your tax advisor for IRA eligibility rules and your individual circumstances. Charter One does not offer tax advice. IRA distributions may be subject to state taxation depending on the tax law of your state. 6 charterone.com 888-500-0469 charterone.com 888-500-0469 7

protection services investments help safeguard yourself from identity theft. Try CharterOneSecure Complete for 30 days risk-free. After that it s just $14.99 a month. NOW IS THE TIME TO PLAN FOR RETIREMENT. Roll over your IRA or 401(k) to Charter One Investment Services and get up to $150 for each eligible account.* CharterOneSecure Complete helps you Introducing a simple, Make an appointment Helping you stay on track to reach your retirement monitor your credit report to protect your affordable identity with a Charter One goals is an essential part of good banking. We identity and your credit. It can help you guard protection program that Investment Services can help you make decisions to keep your plan against internet fraud, the sale or trade of your can help safeguard your Financial Consultant for up-to-date with changing economic conditions. financial information, even unwanted mail and telemarketing solicitations. For details or to enroll, talk to a banker at any Charter One branch or visit charteronesecure.com. identity and your wallet: CharterOneSecure Complete. a personalized retirement income plan aligned with your unique goals. Call 888-411-8311 for details or visit charterone.com/investing * One should consider the potential costs and fees associated with rolling over a 401(k) to Charter One Investment Services, in addition to any features or benefits one may lose as a result of this action. IRA or 401(k) rollover offer is applicable to rollovers initiated between 1/1/11 3/31/11 and valued at $20,000 in assets or more excluding insurance products. You will be eligible to receive up to $150 in reimbursement for transfer fees on each eligible rollover. Any cash payments made under this offer will be credited to your Charter One checking account. Investing may involve risk. Please speak with a Charter One Investment Services Financial Consultant before making any investment decisions. Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC. 28 State Street, MS1310, Boston, MA 02109. (800) 942-8300. CCO Investment Services Corp. is an affiliate of RBS Citizens, N.A. and Charter One of Pennsylvania. 003-010511BK The insurance offered is: NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY GOVERNMENT AGENCY Securities and Insurance Products are: NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 8 charterone.com 888-500-0469 charterone.com 888-500-0469 9

Business Business 0% APR for six months with a new platinum BUSINESS CREDIT CARD. take two. 2% discount on business lines. Receive an introductory APR of 0% on purchases for the first six months with a new business credit card. Get 2% off our business line of credit rates with automatic payments from your Charter One business checking account. Optimize your business cash flow and Get expense tracking, Now, for a limited time, Whether your business needs financing for make it easy to track purchases with the enhanced security and we re offering 2% off our working capital or other short-term uses a Business Platinum MasterCard from Charter special benefits like standard business lines business line of credit from Charter One One. You ll benefit from low competitive rates. The Business Assistant of credit up to $50,000 can help. And there s no annual fee. concierge service. when you set up automatic payments through your Charter One business checking account. Charter One awarded #1 Customer Experience in its markets by ath Power 2010 Business Banking Study Charter One awarded #1 Customer Experience in its markets by ath Power 2010 Business Banking Study 10 charterone.com 888-500-0469 charterone.com 888-500-0469 11

Business merchant services GET up to $100 with a new business CHECKING Account. * $100 off card processing from WorldPay. Open a new qualifying business checking account by 3/25/11 and we ll pay you up to $100. $50 off payment processing for qualified new WorldPay merchants, plus another $50 off with a new or existing Charter One business checking account.* Charter One makes banking do more for Our business checking As a Charter One Trust your debit and credit card processing to you, so you can concentrate on running accounts make managing customer, you ll get next- a leader with WorldPay, a premier provider of your business. cash flow easier, with day funding of credit and electronic payments processing services and a top And now, when you open a new qualifying business checking account with a $5,000 minimum opening balance, we ll pay you $50. Make five payment transactions and we ll pay conveniences like online banking and bill pay. debit card transactions for faster access to funds. ten merchant acquirer in the U.S. As your singlesource processor, WorldPay manages the entire payment processing cycle, from card authorization to settlement of funds. you another $50. Businesses across the country rely on WorldPay to handle their most important transactions. To learn more, talk with a banker today! * When you open a new TCB Premier Checking account. Charter One awarded #1 Customer Experience in its markets by ath Power 2010 Business Banking Study * Offers are only available to new WorldPay merchants. Terms and conditions defined on offer addendum apply. All discounts offered will apply as a single one-time payment in the form of a statement credit. Credits will be processed after merchant s first full month of processing. Processing amount must be at least $20. 12 charterone.com 888-500-0469 charterone.com 888-500-0469 13

disclosures Member FDIC. Equal Housing Lender. Limited time offers available from 2/19/11 to 3/25/11 and may be withdrawn without notice. Accoun Member FDIC. Equal Housing Lender. Limited time offers available from 2/19/11 to 3/25/11 and may be withdrawn without notice. Accounts, loans and services subject to individual credit approval. Charter One is RBS Citizens, N.A. and Citizens Bank of Pennsylvania. #1 Customer Experience: ath Power 2010 Business Banking Study. Citizens Financial Group ranked #1 against competitors in its markets and #2 nationally. *Credit Card: The 0% fixed APR for 12 months on balance transfers only is available for Citizens Bank checking account customers on new credit card accounts. The 0% APR on balance transfers will remain in effect for the first 12 billing cycles, as long as your account remains in good standing. The 0% APR does not apply to purchases or cash advances. A Balance Transfer fee of 3% of the amount ($10 min) will apply to all balance transfers. After the Introductory Period, a variable APR from 11.99% to 19.99% (as of 2/1/11) will apply. Higher rates apply in the event of default up to 29.99%. Minimum Finance Charge: $1.50. Foreign Transaction Fee: 3% of the transaction amount. Upon approval an Important Terms and Disclosure brochure will be sent with your credit card providing more specific details on applicable rates, fees, and offer expiration dates. Unless otherwise disclosed, balance transfers and cash advances do not earn Reward points. Green$ense Debit Card Program: Minimum 10 eligible transactions in a month to receive 10 cents per transaction. Earnings will be reported to the IRS for income tax purposes. Patent Pending. Green$ense Credit Card Program: Green$ense Credit Card customers must have a checking account enrolled in the Green$ense Rewards program and make a minimum of 10 eligible transactions from an enrolled checking account in a month to receive $.30 for each credit card transaction. $30 maximum monthly Green$ense earnings. Green$ense credit card customers must also enroll in credit card online services and credit card online statements in order to be eligible to receive their rewards. GoalTrack Savings SM : To remain bonus eligible, minimum monthly balance requirements must be met. Bonus varies based on amount and length of time selected for savings. Bonus will be reported to the IRS whether claimed or not. Must be enrolled in online banking. For other terms, conditions and restrictions, go to www.charterone.com/ goaltrackterms or talk to a banker. Patent Pending. CollegeSaver SM : Variable-rate Annual Percentage Yield (APY). As of 1/14/11 APY by tier is 0.25% for $25+, $1,000+, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+ and $1,000,000+. APY may change after account opening. Minimum balance for the bonus at beneficiary s 18th birthday varies. We can end this program without notice; if so we will prorate the bonus and interest for eligible beneficiaries. Interest will be reported to the IRS for the account owner (e.g., a parent or a child for UTMA). Please consult a tax advisor. Patent Pending. IRA Savings Plan: $10 offer will be credited to a non-ira account. Existing IRA Savings Plan accounts not eligible for this offer. See a banker for prior-year contributions. Home Equity Line of Credit: Variable APR based on The Wall Street Journal Prime Rate (Prime) published on the last day of the month, 3.25% as of 12/31/10. Maximum APR 21% (18% in NJ and PA). Minimum APR 2.5% 1 to 4-family owner-occupied properties, condominiums, and 2nd/ vacation home owner occupied properties. Rates and terms may change at any time and vary by property type, loan amount, credit history, lien position, and LTV ratio. Not available for homes currently for sale or intended to be sold within six months of closing. Property insurance required. Flood insurance may be required. Trust review fees may apply. No annual fee for first year, $50 per year thereafter ($25 for Circle Gold customers) Pre-payment penalty $300 if closed within first 24 months, except in NJ and PA. Mortgage Rate Offer: Circle Gold Checking with automatic payment deduction required for rate discount. Not applicable to Bond, CRA or Jumbo loans. Exclusions and restrictions apply. Home borrowing offers cannot be combined. 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. Business Line of Credit: 2% discount on new lines of credit with autopay up to a maximum of $50,000 when you apply on or before 3/25/11. Subject to approval. Eligibility dependent upon autopay from a Charter One business checking account. Business Credit Card: New Business Platinum MasterCard customers receive an introductory APR of 0% on purchases for the first six months. On the first day of the 7th billing cycle, APR will be set to either 6.99%, 10.99%, 14.99% or 17.99% (variable, as of 1/3/11), based on a review of your credit. See Terms and Conditions for details. Credit card is issued by RBS Citizens, N.A. MasterCard is a registered trademark of MasterCard International Incorporated. Business Checking: Accounts subject to credit approval. To qualify for $50 cash bonus, new business checking account must be opened by 3/25/2011 with a minimum opening balance of $5,000. A minimum of 5 payment transactions are required for the additional $50 bonus and must be made by 4/30/11. Payment transactions include online bill payments, checks, debit card purchases, ATM withdrawals and automatic bill payments, in any combination. Cannot be combined with any other checking offers. Bonuses will be paid by 6/30/2011 into the checking account and will be labeled as Balance Builder Bonus. Earnings will be reported to the IRS for income tax purposes. Checking account must remain open for at least 6 months or the amount of the banking bonus will be debited from the account at closing. Offer may be withdrawn without notice. WorldPay: Offers available only to new WorldPay merchants. Terms and conditions defined on offer addendum apply. All discounts offered will apply as a one-time payment in the form of a statement credit. Credits will be processed after merchant s first full month of processing, and processing amount must be at least $20. CharterOneSecure Complete : 1 Daily monitoring will notify members of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added / their credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. 2 The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected. Your liability for unauthorized charges is limited to $50 per credit card. You are not required to enroll in CharterOneSecure Complete to maintain your credit card. 3 CharterOneSecure Complete and CharterOneSecure monitors your personal information and up to ten registered credit/debit cards on the Internet, based on an extensive search of directories and Internet chat rooms; however, it is impossible to ensure that all directories and Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all of your personal information that is publicly available or that may have been compromised. CharterOneSecure is a service provided by Trilegiant Corporation. Charter One is not affiliated with, nor is it responsible or liable for, the services provided by Trilegiant. 2011 Citizens Financial Group. All rights reserved. 14 charterone.com 888-500-0469 charterone.com 888-500-0469 15

for next time: Appointment with: Branch: Date: Time: AM / PM Call 888.500.0469 Click charterone.com VISIT any Charter One branch 01113026 Q12011 C COB 03035-CO