Mortgages and Credit Cards are originated and offered by RBS Citizens N.A. MasterCard^® is a registered trademark of MasterCard International Incorporated. Limited time offers available from 7/01/09 to 9/25/09 and may be withdrawn without notice. Accounts, loans and services subject to individual approval. Charter One is a division of RBS Citizens, N.A. All rights reserved.

Green$ense™: 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.

Everyday Points® Program: $25 program annual fee applies. In the case where your only enrolled account(s) in the Program is the Credit Card and/or the Business Credit Card, you will not be charged the Annual Program Membership Fee. Terms, conditions, restrictions apply. See charterone.com/everdaypoints or speak to a banker for more details on the Everyday Points program

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.

Home Equity: 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.

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. You must separately qualify, be approved and obtain a purchase-money mortgage loan from us. To obtain the $1,000 credit you must also: close on a mortgage with us within 3 years after the end of the 3-year savings period, and keep the account open until you close on a mortgage loan with us. One $1,000 credit per mortgage loan. Patent Pending.

CollegeSaver^SM: Minimum to open $25. Terms, conditions, withdrawal limitations apply. Variable-rate Annual Percentage Yield (APY) as of 6/26/09, APY by tier is: .30% for $25+, .40% for $1,000+, .40% for $2,500+, .50% for $10,000+, .50% for $25,000+, .50% for $50,000+, .50% for $75,000+, .50% for $250,000+, and .50% for $1,000,000+. APY may change after account opening. Minimum balance for the bonus at beneficiary's 18th birthday varies. See terms and conditions for important tax information. Patent Pending.

E-Z Deposit: E-Z Deposit offer available on business checking accounts and for businesses established for at least one year. 6-month refund period begins with month of activation and training. Activation must be completed no later than 10/30/09 to qualify for offer. Monthly service charge of $55 will be posted to the master billing account and refunds will be processed by end of month following the statement cycle. Per transaction fee of $.06 applies.

Merchant Services: New-to-card merchants processing less than $150,000 in annual bank card volume will receive a $50 discount; between $150,000 and $300,000 receive $150 discount and $300,001 and over receive a $300 discount. Credit will be applied to statement. $495 early termination fee applies. Subject to approval and contractual requirements. Previous processor statements must be provided in order to verify annual processing volume amount, where applicable. Offer is not valid with any other RBS WorldPay offer.

Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC. 53 State St., MBS770, Boston, MA 02109. 1-888-411-8311. CCO Investment Services Corp. is an affiliate of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. RBS Citizens, N.A. and Citizens Bank of Pennsylvania are wholly owned subsidiaries of Citizens Financial Group.