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					       Welcome to Citizens Bank Online® — New & Improved


       You’ll enjoy enhanced Citizens Bank online banking services this fall. This User’s
       Guide explains the features and the use of Citizens Bank’s Online Banking and
       Bill Payment Services.

       Using the same login and password, some of the enhancements you will enjoy include:
       • Check Images: View up to 16 months of digital images (front and back) of any
         check that has cleared.
       • Online Statements: View or print up to 18 months of online versions of your
         deposit account statements.
       • Account Alerts: Set up accounts to notify you when balances go above or below
         a certain threshold, or when a check has cleared.
       • Quick Links: Enjoy easier navigation! Many popular functions will now be just
         one click away.
       • Single Login: Business customers can manage personal accounts and/or multiple
         business accounts with a single login. Funds can be transferred between personal
         and business accounts.
       • Nickname Accounts: Choose nicknames for your accounts for quick and
         easy reference.

       This Guide is organized into two sections — Personal and Business Banking Services.
       In each section, we have highlighted changes to your online banking service, as well
       as enhancements you’ll experience this fall. You’ll see helpful tips, instructions and
       screen images to help you navigate the site. To help you quickly find the topics
       that are most important to you, we have added links to key subject areas.

       Our detailed Help screens and personal assistance from dedicated Online Banking
       Customer Service Specialists provide you with support 24 hours a day, 7 days a
       week. The Help link can be found in the top right corner of any screen within
       Citizens Bank Online. If you need further assistance, please feel free to call us
       anytime. For personal accounts, call 1-800-656-6561. For business accounts,
       call 1-877-229-6428. Thank you.




IWD3                                                                                            Member FDIC
Table of Contents


  Personal Online Banking Services

   Welcome to Citizens Bank Online® — New & Improved . . . . . . . . . . 1

   Citizens Bank Online
     Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2-3
     Log In . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
     Account History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
     Deposit Account Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
     Transfer Funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
     Transfer Funds to Loan Accounts . . . . . . . . . . . . . . . . . . . . . . . 8
     Account Alerts Center . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9-10

   Citizens Bank Online Bill Payment
     Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
     Pay Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12


  Business Online Banking Services

   Welcome to Citizens Bank Business Online® — New & Improved . . . . 13

   Citizens Bank Business Online
     Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . 14-15
     Log In . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
     Account History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
     Deposit Account Statements . . . . . . . . . . . . . . . . . . . . . . . . . . 18
     Transfer Funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
     Account Alerts Center. . . . . . . . . . . . . . . . . . . . . . . . . . . . 20-21
     User Setup . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

   Citizens Bank Business Online Bill Payment
     Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . 23-24
     Pay Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
                                                                                           Welcome to Citizens Bank Online — New & Improved
Welcome to Citizens Bank Online — New & Improved
                                                     New navigational menu offers
                                                    clearly labeled tabs identifying
Welcome to Online Banking                                   major functions.




           Commonly used functions
            are a mouse click away.




The new and improved welcome page helps you navigate the site quickly and easily.
Links and icons to popular functions, such as bill pay, are clearly labeled.




                                                                                       1



                           We’re always here to help you.
                     Just call 1-800-656-6561 toll-free anytime.
                                                                                                         Personal Online Banking Services — Comparison of Features
Citizens Bank Online

Here is a summary of the enhancements along with helpful tips and
instructions on the following pages.


Comparison of Features

             Citizens Bank Online                     Improved Citizens Bank Online

                                       Log In Instructions
  To log in to Citizens Bank Online, you          You can continue to access online banking
  use your Citizens Bank ATM or debit card        with your card number (or 16-digit access
  (or 16-digit access code) as a username         code) as a username and existing password.
  and an online banking password.
                                                  New: You can now change your login information.
                                                  Instead of using your ATM or debit card number
                                                  (or 16-digit access code) as your username,
                                                  choose a username that is easier to remember.
                                                  Your new username can be as short as six
                                                  characters. You can also change your password
                                                  and select a password clue should you forget it.

                                Viewing Account Information
  No check details are available.                 New: View up to 16 months of front and back
                                                  digital images of any check that has cleared
                                                  by selecting the check number link in
                                                  Account History.

  Statements are unavailable.                     New: View or print up to 18 months of online
                                                  versions of your deposit account statements
                                                  from the Account History page.

  Accounts cannot be nicknamed.                   New: Accounts can be nicknamed by
  Accounts are identified by product              clicking Add/Edit Account Nicknames
  name (e.g. Circle Checking).                    from the main navigation menu.

  Account Summary is available by                 Account Summary is combined with
  clicking the summary button from the            Account History and is accessed by clicking
  View Accounts page. Account History             the account name or by clicking Account
  is available by clicking the history            History from the main navigation menu.
  button from the View Accounts page.

  You can narrow your search by date, amount,     You can change the account being viewed
  transaction type or check number by clicking    and also narrow your search by date,
  the Change Search Criteria button.              amount, transaction type or check number
                                                  by selecting your criteria on the Account
                                                  History screen and clicking the Update
                                                  View of Transactions button.

  Hide an account from view by clicking           Hide an account from view by clicking
  the Preferences link.                           Update Account Info from the main
                                                  navigation menu.


                                                                                      (continued)    2



                   We’re always here to help you.
             Just call 1-800-656-6561 toll-free anytime.
                                                                                                                 Personal Online Banking Services — Comparison of Features
Citizens Bank Online


Comparison of Features

              Citizens Bank Online                             Improved Citizens Bank Online

                         Viewing Account Information (continued)

   Show or mask account numbers by clicking               Show or mask account numbers by clicking
   the Preferences link.                                  Update Account Info from the main
                                                          navigation menu.


                                                  Transfers

  Transfer funds between accounts for the                 Transfer funds between accounts for the current
  current day, a future date or on a recurring            day, a future date or on a recurring basis by
  basis by clicking Transfer Funds from the               clicking Transfer Funds from the main navigation
  left navigation menu. Also transfer funds for           menu. Or, select Make A Transfer from the
  payment to loans or credit line accounts.               Quick Links box on the Welcome page.
                                                          Also transfer funds for payment to loans
                                                          or credit line accounts.

                                                          New: Transfer funds to loan accounts to
                                                          reduce your principal balance.

                                                          New: Transfer date calendar. Use the new
                                                          interactive calendar to easily choose the
                                                          transfer date by selecting the calendar icon.


                           Downloading or Exporting Transactions

   Download account information to                        Download account information to Microsoft
   Microsoft® Money, QuickBooks® or Quicken® by           Money, QuickBooks or Quicken by clicking
   clicking Download Accounts from the left               the Download Account Data link from the
   navigation menu.                                       Account History screen.


                                    Customer Service Requests

   You can place a reorder for checks at                  New: You can now reorder checks directly
   citizensbank.com.                                      through Citizens Bank Online.


   Set up and receive a balance alert for                 New: Set up and receive an account alert for
   an account balance going above or below                an account balance going above or below a
   a threshold.                                           threshold, when a payment fails to process and
                                                          for a check that has cleared. Alerts can also
                                                          be delivered to up to three addresses, including
                                                          e-mail, mobile phone or pager.




                                                                                                             3
Quicken and QuickBooks are registered trademarks of Intuit, Inc.


                     We’re always here to help you.
               Just call 1-800-656-6561 toll-free anytime.
                                                                                               Personal Online Banking Services — Log In
Citizens Bank Online


Log In




                                             You can now choose a
                                             username as short as
                                                six characters.




You can continue to access online banking with your Citizens Bank ATM or debit card
number (or 16-digit access code) as a username and existing password. Or, you can choose
a username as short as six characters that is easier to remember.




                                                                                           4



                        We’re always here to help you.
                  Just call 1-800-656-6561 toll-free anytime.
                                                                                                               Personal Online Banking Services — Account History
Citizens Bank Online

                                                          Choose nicknames for
Account History
                                                         your accounts for quick
                                                           and easy reference.




                                                                           View or print up to 18 months
                                                                             of online versions of your
                                                                            deposit account statements.




                                                                        The download data link is
                        New drop down menus                            conveniently located on the
                      make it easier to customize                        Account History screen.
                       account history searches.




                                                     View check images by selecting
                                                         the check number link.




Viewing account history has never been easier. You can see cleared checks, download
data to personal financial management software and print online versions of your deposit
account statements.
                                                                                                           5



                         We’re always here to help you.
                   Just call 1-800-656-6561 toll-free anytime.
                                                                                                                                                                                                 Personal Online Banking Services — Deposit Account Statements
Citizens Bank Online


Deposit Account Statements


                                                                                                                                               Citizens Circle Gold


                                                                                                                                               Account Statement
                     1-800-922-9999

                                                                                                                                                 1   OF      1
                     Call Citizens’ PhoneBank anytime for account information,
                     current rates and answers to your questions.
                                                                                                                                               Beginning March 17, 2004
                                                                                                                                               through April 17, 2004
                     US002 BR673


                     John Customer

                     888 Any ST
                     Anytown MA 02050-5555




   ==========================================================================================================================


   Checking
   -----------------------------------------------------------------------------------------------------------------------------------------   -------------------------------------------
   SUMMARY                                                                                                                                     John Customer

   Balance Calculation                                                 Balance                                                                 Circle Checking
                                                                                                                                               11111-614-8
   Previous Balance                                  3345.71           Average Daily Balance                                      2979.44
   Checks                                             432.54 -
   Withdrawals                                        300.00 -         Interest
   Deposits & Additions                                  .00 +
   Interest Paid                                                       Current Interest Rate                                      .00%
                                                         .00 +         Annual Percentage Yield Earned                             .00%
   Current Balance                                   2613.17 =         Number of Days Interest Earned                              00
                                                                       Interest Earned                                            .00
                                                                       Interest Paid This Year                                    .00




Online versions of your monthly deposit account statements provide you with a summary
of account activity.




                                                                                                                                                                                             6



                                              We’re always here to help you.
                                        Just call 1-800-656-6561 toll-free anytime.
                                                                                                       Personal Online Banking Services — Transfer Funds
Citizens Bank Online


Transfer Funds




                                                 Online calendar lets you
                                                 choose the transfer date
                                                 with a click of a mouse.



                                                                            New option to set up
                                                                             recurring transfers
                                                                                more easily.
                     New memo field for
                     your personal notes
                       about transfers.




The new, easy-to-use interactive calendar helps you choose the dates of your transfers quickly.




                                                                                                   7



                          We’re always here to help you.
                    Just call 1-800-656-6561 toll-free anytime.
                                                                                   Personal Online Banking Services — Transfer Funds to Loan Accounts
Citizens Bank Online


Transfer Funds to Loan Accounts




                                                   Transfer funds to loan
                                                  accounts to reduce your
                                                     principal balance.




Loan account summary, including last payment amount, is now displayed on the
Transfer Funds to loan account page.




                                                                               8



                         We’re always here to help you.
                   Just call 1-800-656-6561 toll-free anytime.
                                                                                                    Personal Online Banking Services — Account Alerts Center
Citizens Bank Online


Account Alerts Center




                                        By clicking Add Alerts,
                                  three different types of notification
                                             can be set up.




Alerts can help you manage your accounts by notifying you when specific events occur, such as
when your account balance falls below a minimum balance.




                                                                                                9



                          We’re always here to help you.
                    Just call 1-800-656-6561 toll-free anytime.
                                                                                                       Personal Online Banking Services — Account Alerts Center
Citizens Bank Online


Account Alerts Center




Receiving alerts is now more convenient. Notification can be sent to three addresses, including
e-mail, mobile phone or pager.




                                                                                                  10



                          We’re always here to help you.
                    Just call 1-800-656-6561 toll-free anytime.
                                                                                                     Personal Online Banking Services — Online Bill Payment
Citizens Bank Online Bill Payment

Citizens Bank Online Bill Payment
Here is a summary of the key bill payment differences and enhancements
and helpful tips and instructions on the following page.


Comparison of Features

            Citizens Bank Online                     Improved Citizens Bank Online
                 Bill Payment                                Bill Payment

                                     Access Instructions

  Log in to Citizens Bank Online and choose      Log in to Citizens Bank Online and choose
  the Make Payments link located in the left     Pay a Bill from the Quick Links box on the
  navigation menu.                               Welcome page or Pay Bills from the main
                                                 navigation menu on any page.



                                    Scheduling Payments

  To schedule a bill payment, choose the Make    To schedule a bill payment, choose the
  Payments link from the left navigation menu.   Pay Bills link from the main navigation
  Choose the payee and the “ Payment Date.”      menu or from the Quick Links box on the
                                                 Welcome page. Choose the payee, amount
                                                 and the “ Payment Due Date.” Optional memo
                                                 field is available.

  The “ Payment Date” is the date the payee      The “Payment Due Date” is the date the payee
  is scheduled to receive the payment.           is scheduled to receive the payment.

                                                 New: Payment date calendar. Use the new
                                                 interactive calendar to easily choose the
                                                 payment date by selecting the calendar icon.

                                                 New: Available balances are now shown
                                                 for the payment accounts. (The available
                                                 balance shown for your accounts does not
                                                 include your overdraft line of credit.)


  Pending payments and payment history           Pending payments can be viewed by
  are viewed together by clicking Review/        clicking Pending Payments from the Pay
  Modify Payments.                               Bills navigation menu or by clicking Pending
                                                 Payments from the Quick Links box on the
                                                 Welcome page. Payment history can
                                                 be viewed by clicking Payment History
                                                 from the Pay Bills navigation menu.




                                                                                                11



                   We’re always here to help you.
             Just call 1-800-656-6561 toll-free anytime.
                                                                                                 Personal Online Banking Services — Pay Bills
Citizens Bank Online Bill Payment


Pay Bills




                                                               Use the new payment date
                                                              calendar to choose the date
    The “R” icon reminds you
                                                               the payee is scheduled to
  that a recurring payment has
                                                                 receive the payment.
   been set up for this payee.




Access payment history and pending payments from this page. Quickly add new payees
by selecting the Add New Payee link.




                                                                                            12



                             We’re always here to help you.
                       Just call 1-800-656-6561 toll-free anytime.
                                                                                            Welcome to Citizens Bank Business Online — New & Improved
Welcome to Citizens Bank Business Online — New & Improved
                                                     New navigational menu offers
                                                    clearly labeled tabs identifying
Welcome to Online Banking                                   major functions.




           Commonly used functions
            are a mouse click away.




The new and improved welcome page helps you navigate the site quickly and easily.
Links and icons to popular functions, such as bill pay, are clearly labeled.




                                                                                       13



                           We’re always here to help you.
                     Just call 1-877-229-6428 toll-free anytime.
                                                                                                            Business Online Banking Services — Comparison of Features
Citizens Bank Business Online
Here is a summary of the enhancements along with helpful tips and
instructions on the following pages.

Comparison of Features

       Citizens Bank Business Online               Improved Citizens Bank Business Online

                                        Log In Instructions

  To log in to Citizens Bank Business Online,      You can continue to access online banking with
  you use your Citizens Bank ATM or business       your card number (or 16-digit access code) as
  debit card (or 16-digit access code) as your     your username and existing password.
  username and an online banking password.
                                                   New: You can now change your login
                                                   information. Instead of using your ATM or
                                                   business debit card number (or 16-digit access
                                                   code) as your username, choose a username
                                                   that is easier to remember. Your new username
                                                   can be as short as six characters. You can also
                                                   change your password and select a password
                                                   clue should you forget it.


                                          Security Access

  Setting up other users within a business         New: Current users with administrative capability
  for business online banking requires setting     can choose the Administration Functions link
  up additional ATM or business debit cards        from the Customer Service menu to set up
  at a branch.                                     users and customize their access levels to
                                                   accounts and functionality.


                                 Viewing Account Information

  No check details are available.                  New: View up to 16 months of front and back
                                                   digital images of any check that has cleared
                                                   by selecting the check number link in
                                                   Account History.

  Statements are unavailable.                      New: View or print up to 18 months of online
                                                   versions of your deposit account statements
                                                   from Account History page.

  Accounts cannot be nicknamed.                    New: Accounts can be nicknamed by clicking
  Accounts are identified by product name          Add/Edit Account Nicknames from the main
  (e.g. Business Partners Money Market).           navigation menu.

  Account Summary is available by clicking the     Account Summary is combined with Account
  summary button from the View Accounts page.      History and is accessed by clicking the account
  Account History is available by clicking the     name or by clicking Account History from the
  history button from the View Accounts page.      main navigation menu.

  You can narrow your search by date, amount,      You can change the account being viewed and
  transaction type or check number by clicking     also narrow your search by date, amount,
  the Change Search Criteria button.               transaction type or check number by selecting
                                                   your criteria on the Account History screen and
                                                   clicking the Update View of Transactions button.
                                                                                                       14
                                                                                        (continued)


                    We’re always here to help you.
              Just call 1-877-229-6428 toll-free anytime.
                                                                                                           Business Online Banking Services — Comparison of Features
Citizens Bank Business Online


Comparison of Features

      Citizens Bank Business Online                   Improved Citizens Bank Business Online

                        Viewing Account Information (continued)
 Hide an account from view by clicking                Hide an account from view by clicking
 the Preferences link.                                Update Account Info from the main
                                                      navigation menu.
 Show or mask account numbers by clicking             Show or mask account numbers by clicking
 the Preferences link.                                Update Account Info from the main
                                                      navigation menu.
 With Citizens Bank Business Online, you may          New: View and manage personal accounts
 view business account information. Personal          and/or multiple business accounts with a
 account information may be viewed by                 single login. Simply call Online Banking
 logging in to Citizens Bank Online.                  Customer Service for assistance with linking
                                                      your personal accounts to your business
                                                      online service.

                                                Transfers
 Transfer funds between accounts for the              Transfer funds between accounts for the
 current day, a future date or on a recurring         current day, a future date or on a recurring
 basis by clicking Transfer Funds from the            basis by clicking Transfer Funds from the
 left navigation menu.                                main navigation menu. Or, select Make A
                                                      Transfer from the Quick Links box on the
                                                      Welcome page.
                                                      New: Transfer funds between business and
                                                      personal accounts.
                                                      New: Transfer date calendar. Use the new
                                                      interactive calendar to easily choose the
                                                      transfer date by selecting the calendar icon.

                         Downloading or Exporting Transactions

 Download account information to                      Download account information to Microsoft
 Microsoft Money, QuickBooks or Quicken               Money, QuickBooks or Quicken by clicking
 by clicking Download Accounts from the               Download Account Data link from the
 left navigation menu.                                Account History screen.


                                 Customer Service Requests

 You can place a reorder for checks at                New: You can now reorder checks directly
 citizensbank.com.                                    through Citizens Bank Business Online.

 Set up and receive a balance alert for               Set up and receive an account alert for an
 an account balance going above or below              account balance going above or below a
 a threshold.                                         threshold, when a payment fails to process
                                                      and for a check that has cleared. Alerts can
                                                      also be delivered to up to three addresses,
                                                      including e-mail, mobile phone or pager.

                                                                                                      15



                  We’re always here to help you.
            Just call 1-877-229-6428 toll-free anytime.
                                                                                               Business Online Banking Services — Log In
Citizens Bank Business Online


Log In




                                             You can now choose a
                                             username as short as
                                                six characters.




You can continue to access online banking with your Citizens Bank ATM or business debit
card number (or 16-digit access code) as a username and existing password. Or, you can
choose a username as short as six characters that is easier to remember.




                                                                                          16



                        We’re always here to help you.
                  Just call 1-877-229-6428 toll-free anytime.
                                                                                                              Business Online Banking Services — Account History
Citizens Bank Business Online

                                                        Choose nicknames for
Account History
                                                       your accounts for quick
                                                         and easy reference.




                                                                         View or print up to 18 months
                                                                           of online versions of your
                                                                          deposit account statements.




                                                                       The download data link is
                       New drop down menus                            conveniently located on the
                     make it easier to customize                        Account History screen.
                      account history searches.




                                                    View check images by selecting
                                                        the check number link.




Viewing account history has never been easier. You can see cleared checks, download
data to personal financial management software and print online versions of your
deposit account statements.
                                                                                                         17



                         We’re always here to help you.
                   Just call 1-877-229-6428 toll-free anytime.
                                                                                                                                                                                                  Business Online Banking Services — Deposit Account Statements
Citizens Bank Business Online


Deposit Account Statements


                                                                                                                                               Business Partners Checking I


                                                                                                                                               Account Statement
                     1-800-862-6200

                                                                                                                                                 1   OF      1
                     Call Citizens’ PhoneBank anytime for account information,
                     current rates and answers to your questions.
                                                                                                                                               Beginning March 17, 2004
                                                                                                                                               through April 17, 2004
                     US002 BR673


                     ABC Company

                     888 Any ST
                     Anytown MA 02050-5555




   ==========================================================================================================================


   Checking
   -----------------------------------------------------------------------------------------------------------------------------------------   -------------------------------------------
   SUMMARY                                                                                                                                     ABC Company

   Balance Calculation                                                 Balance                                                                 Business Partners Checking I
                                                                                                                                               11111-614-8
   Previous Balance                                  3345.71           Average Daily Balance                                      2979.44
   Checks                                             432.54 -
   Withdrawals                                        300.00 -         Interest
   Deposits & Additions                                  .00 +
   Interest Paid                                                       Current Interest Rate                                      .00%
                                                         .00 +         Annual Percentage Yield Earned                             .00%
   Current Balance                                   2613.17 =         Number of Days Interest Earned                              00
                                                                       Interest Earned                                            .00
                                                                       Interest Paid This Year                                    .00




Online versions of your monthly deposit account statements provide you with a summary
of account activity.




                                                                                                                                                                                             18



                                              We’re always here to help you.
                                        Just call 1-877-229-6428 toll-free anytime.
                                                                                                       Business Online Banking Services —Transfer Funds
Citizens Bank Business Online


Transfer Funds




                                                Online calendar lets you
                                                choose the transfer date
                                                with a click of a mouse.



                                                                           New option to set up
                                                                            recurring transfers
                                                                               more easily.
                     New memo field for
                     your personal notes
                       about transfers.




Transfer funds between business and personal accounts. The new, easy-to-use interactive
calendar helps you choose the dates of your transfers quickly.




                                                                                                  19



                         We’re always here to help you.
                   Just call 1-877-229-6428 toll-free anytime.
                                                                                                     Business Online Banking Services — Account Alerts Center
Citizens Bank Business Online


Account Alerts Center




                                         By clicking Add Alerts,
                                   three different types of notification
                                              can be set up.




Alerts can help you manage your accounts by notifying you when specific events occur, such as
when your account balance falls below a minimum balance.




                                                                                                20



                          We’re always here to help you.
                    Just call 1-877-229-6428 toll-free anytime.
                                                                                                       Business Online Banking Services — Account Alerts Center
Citizens Bank Business Online


Account Alerts Center




Receiving alerts is now more convenient. Notification can be sent to three addresses, including
e-mail, mobile phone or pager.




                                                                                                  21



                          We’re always here to help you.
                    Just call 1-877-229-6428 toll-free anytime.
                                                                                                          Business Online Banking Services — User Setup
Citizens Bank Business Online


User Setup




                                                                        Customize access levels to
                                                                        accounts and functionality
                                                                              for each user.




Users with administrative capability can set up additional users online and assign permissions.




                                                                                                     22



                           We’re always here to help you.
                     Just call 1-877-229-6428 toll-free anytime.
                                                                                                     Business Online Banking Services — Online Bill Payment
Citizens Bank Business Online Bill Payment

Citizens Bank Business Online Bill Payment
Here is a summary of the key bill payment differences and enhancements
and helpful tips and instructions.


Comparison of Features
           Citizens Bank Business                   Improved Citizens Bank Business
            Online Bill Payment                           Online Bill Payment

                                      Access Instructions
  Log in to Citizens Bank Business Online and    Log in to Citizens Bank Business Online and
  choose the Make Payments link located in       choose Pay a Bill from the Quick Links box
  the left navigation menu.                      on the Welcome page or Pay Bills from the
                                                 main navigation menu on any page.


                                     Scheduling Payments
  To schedule a bill payment, choose the Make    To schedule a bill payment, choose the
  Payments link from the left navigation menu.   Pay Bills link from the main navigation
  Choose the payee and the “ Payment Date.”      menu or from the Quick Links box on the
                                                 Welcome page. Choose the payee, amount
                                                 and the “ Payment Due Date.” Optional
                                                 memo field is available.

  The “ Payment Date” is the date the payee      The “Payment Due Date” is the date the
  is scheduled to receive payment.               payee is scheduled to receive payment.

                                                 New: Payment date calendar. Use the new
                                                 interactive calendar to easily choose the
                                                 payment date by selecting the calendar icon.

                                                 New: Available balances are now shown
                                                 for the payment accounts. (The available
                                                 balance shown for your accounts does not
                                                 include your overdraft line of credit.)

  Pending payments and payment history           Pending payments can be viewed by clicking
  are viewed together by clicking Review/        Pending Payments from the Pay Bills
  Modify Payments.                               navigation menu or by clicking Pending
                                                 Payments from the Quick Links box on the
                                                 Welcome page. Payment history can be
                                                 viewed by clicking Payment History from
                                                 the Pay Bills navigation menu.




                                                                                  (continued)




                                                                                                23



                   We’re always here to help you.
             Just call 1-877-229-6428 toll-free anytime.
                                                                                               Business Online Banking Services — Online Bill Payment
Citizens Bank Business Online Bill Payment


Comparison of Features

          Citizens Bank Business                  Improved Citizens Bank Business
           Online Bill Payment                          Online Bill Payment

                                    Invoice Information
 Invoice number as well as date, amount,       Invoice number as well as date, amount,
 description and discount information can      description and discount information can
 be submitted with online bill payments.       be submitted with online bill payments.
                                               The Invoice Details link expands on the
                                               same page to view the input fields for
                                               invoice information.




                                                                                          24



                 We’re always here to help you.
           Just call 1-877-229-6428 toll-free anytime.
                                                                                              Business Online Banking Services — Pay Bills
Citizens Bank Business Online Bill Payment


Pay Bills




                                                         Use the new payment date
                                                      calendar to choose the date the
                                                       payee is scheduled to receive
                                                               the payment.




   The “R” icon reminds you
 that a recurring payment has
  been set up for this payee.




Convenient new layout allows you to make multiple payments to multiple payees on the
same page. Access payment history and pending payments from this page. Quickly add new
payees by selecting the Add New Payee link.




                                                                                         25



                              We’re always here to help you.
                        Just call 1-877-229-6428 toll-free anytime.

				
DOCUMENT INFO
Description: Bank Account Online No Check document sample