Fee Schedule and Disclosure

RED-e-SPEND^SM General Purpose Reloadable Debit Card

Service or Fee Type	Amount	Additional Information
Issuance	$3.50	One-time fee charged at the time of the first load
Monthly Maintenance	$3.50	Assessed on the same date each month and corresponds to the date the card was activated
Reloads¹	Free	No charge for direct deposit; no charge for reloads made at any Citizens Bank branch; no charge for reloads via transfer from a Citizens Bank account² or an account at another financial institution³; no charge for reloads made via a transfer between Citizens Bank reloadable cards.
Point of Sale (POS) PIN and Signature Transactions	Free	Unlimited POS PIN and signature transactions
Online Access	Free	Unlimited access to account information
Phone Access	Free	Unlimited IVR (phone) access to account information
Text and Email Alerts	Free	Unlimited alerts via text and email; your mobile carrier may charge for text messaging and email access
Cash Advance at Citizens Bank Branch	Free	Cash withdrawals at any Citizens Bank branch are at no charge
Citizens Bank ATM Activity	Free	Includes unlimited withdrawals and balance inquiries at any Citizens Bank ATM
Non-Citizens Bank ATM Activity	$2.00	Includes withdrawals and balance inquiries; Additional fee may be charged by ATM owner
International ATM Activity	$2.00	Includes withdrawals and balance inquiries; Additional fee may be charged by ATM owner
International Service Assessment	1.00%	1.00% charged on the transaction amount
Card Replacement	$5.00	Card replacement fee not charged when card is replaced at expiration period
Paper Statement	$3.00	Online statements are offered at no charge

Disclosures

¹Reloads can also be made at any Visa ReadyLink location; fee charged by individual retailer.

²Funds transferred to your card from your Citizens Bank account, or your account at another financial institution, are generally available for use on the third business day after the transfer is processed.

³A fee may be charged by your other financial institution.