The following savings accounts are available at Citizens Bank:

Regular Passbook Savings:

• Interest is compounded and credited to account every quarter.
• You must maintain a minimum balance of $5 in the account each day to obtain the disclosed Annual Percentage Yield (APY).
• Certain transaction limitations may apply.
• Call (615) 374-2265 or (615) 206-1748 for current rates.

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Golden Savings:

• Interest is compounded and credited to account every quarter.
• Minimum balance is $500.
• Withdrawals from this account may be made July 1st through 10th, October 1st through 10th, January 1st through 10th, and April 1st through 10th without penalty. If withdrawals are made at any other time, a 90-day interest penalty will be imposed on the amount withdrawn.
• Unlimited deposits are allowed.

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Christmas Club:

• Participation dates open November 15 through March 15 during calendar year.
• Interest will be credited to account at maturity only.
• Minimum balance to open account is $10.
• Direct Deposit and auto transfer from other accounts available.
• Check for principal and interest is mailed out first business day of each November.

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Vacation Club:

• Minimum deposit to open account is $10.
• Maximum total deposit per month is $1,000.00
• Direct Deposits and auto transfers from other accounts available.
• Interest will be credited to account at maturity only.
• Check for principal and interest will be mailed the 1^st business day of May.

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