borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0. 25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are not due, such as during forbearance. If our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. 3 Variable rate, based on the twenty-fifth day, or the next business day, of the preceding calendar month. As of #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::liborAsOfDate#, the one-month LIBOR rate is #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::libor#%. Variable interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=MaxRate# (#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMax# APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms ,level of degree earned and presence of a co-signer. Lowest rates shown require an application with a co-signer, are for eligible applicants, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=MaxRate# (#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMax# APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a cosigner and are for eligible, creditworthy applicants with a graduate level degree and require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=MaxRate# (#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMax# APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discount of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. 3 Variable rate, based on the twenty-fifth day, or the next business day, of the preceding calendar month. As of #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::liborAsOfDate#, the one-month LIBOR rate is #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::libor#%. Variable interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=Graduate|term=5|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::min::rate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=SomeCollege|term=20|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::max::rate# (#ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=Graduate|term=5|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::min::APR# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=SomeCollege|term=20|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::max::APR# APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms ,level of degree earned and presence of a co-signer. Lowest rates shown require an application with a cosigner and are for eligible, creditworthy applicants with a graduate level degree and require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discount of 0.25 percentage points each, as outlined in the Loyalty Discount
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