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NOW Account Tiered Interest Rates

Annual Percentage YieldInterest Rate
Below $500.000%0%
$500.00-$9,999.99.15%.15%
$10,000.00-$19,999.99.25%.25%
Over $20,000.00.35%.35%

Money Market Deposit Account Interest Rates

Annual Percentage YieldInterest Rate
.25%.25%

e-Vantage

Annual Percentage Yield Interest Rate
Below $25,000 2.02% 2.00%
Balances over $25,001.00 1.01% 1.00%
If Requirements are not met 0.25% 0.25%

Savings

Citizens Solid Gold Savings Interest Rates

Annual Percentage YieldInterest Rate
.25%.25%

Kids Club Savings

Annual Percentage YieldInterest Rate
.25%.25%

Student Savings

Annual Percentage YieldInterest Rate
.25%.25%

Certificates of Deposit

Certicates of Deposit Interest Rates (Effective Date 08-17-2010)

TermAnnual Percentage YieldInterest Rate
30 day.25%.25%
90 day.40%.40%
180 day.65%.65%
12 month.90%.90%
18 month1.15%1.15%
24 month1.15%1.15%
30 month1.15%1.15%

Individual Retirement Accounts

Rates are for Fixed and Variable IRAs

TermAnnual Percentage YieldInterest Rate
90 day.40%.40%
180 day.65%.65%
12 month.90%.90%
18 month1.15%1.15%
24 month1.15%1.15%
30 month1.15%1.15%

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The Citizens Bank of Philadelphia is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts as well as certain eligible NOW accounts which earn .25% annual interest or less are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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