Charter One Green$ense® Program Agreement

This agreement ("Agreement") is an addendum to the Personal Deposit Account Agreement and, if you have a Green$ense Credit Card, the Green$ense Credit Card Agreement and sets forth the terms and conditions which apply to the Green$ense Program ("Green$ense"). By indicating your agreement online or otherwise enrolling in Green$ense, you agree to the terms and conditions of this Agreement. In this Agreement, "you" and "your" mean the person or persons who is/are participating in Green$ense, and "we" and "our" mean RBS Citizens, N.A. Charter One Bank is a division of RBS Citizens, N.A.

The Green$ense ® Program

Green$ense provides you an opportunity to earn cash on eligible transactions, subject to certain limitations.

Enrollment

Any authorized signer on an eligible account may request to enroll in Green$ense for that account. You are eligible to enroll in Green$ense if you meet all of the following requirements:

Green$ense® Debit Card Program

  • You open and maintain a Charter One personal checking account and your account is in good standing.
  • You apply for and maintain a Green$ense debit card and your card is in good standing.
  • You accept, agree to receive, and maintain e-statements.
  • You register for and maintain Online Banking.

Green$ense® Credit Card Program

  • You open and maintain a Charter One personal checking account and your account is in good standing.
  • You apply for and maintain a Green$ense debit card and credit card and both cards are in good standing.
  • You accept, agree to receive, and maintain e-statements.
  • You register for and maintain Online Credit Card services.

Terms and Conditions Applicable to Both Programs

  • You provide and maintain with the bank a valid e-mail address, and continue to agree to receive Green$ense e-mail, which includes information on your monthly earnings, tips for living green and other information. Upon enrollment, a Green$ense welcome e-mail will be sent to the e-mail address of the account signer requesting enrollment, providing instructions on how to complete enrollment.
  • You complete enrollment by accepting this Green$ense Terms and Conditions Agreement online, by clicking the "Accept" button in the Online Banking Green$ense enrollment page. Monthly Green$ense e-mails will be sent to the e-mail address of the account signer accepting the Green$ense Agreement.

To ensure that you continue to receive your e-mails from Charter One, please add mail@em.citizensbank.com to your Address Book or Safe List.

Enrolling Your Checking Account in Green$ense® Program

You may request to enroll your Charter One personal checking account in Green$ense at any Charter One branch, by calling 1-800-656-6561, or, if you already have a checking account and are enrolled in Online Banking, by clicking on the "Green$ense" link in the "Quick Links" section of the Online Banking home page.

Eligible Transactions

Once enrolled in Green$ense, you may earn cash on eligible transactions. An "eligible transaction" is any Green$ense credit card purchase, Green$ense debit card purchase (either PIN or signature), any bill paid through Online Banking Bill Pay (both one-time or recurring payments), and any recurring payment or direct payment automatically deducted from your enrolled account. Eligible transactions DO NOT include ATM transactions, checks, deposits or other account credit memos, automatic transfers to or from your checking account to any other Charter One account (including loan and line of credit accounts), credits to debit cards, or payments originated as a check by you, and submitted to your account electronically by a merchant or third party.

Green$ense® Earnings

You must make at least 10 eligible transactions with your Green$ense enrolled checking account in a month to receive any Green$ense earnings credit for that month. Credit Card transactions do not count towards your monthly earnings eligibility.

If you have made at least 10 eligible transactions in a month, you will receive:

  • $0.10 for each eligible non credit card transaction up to a maximum of 100 transactions in a month or $10 in earnings.
  • $0.30 for each eligible credit card transaction up to a maximum of 100 transactions in a month or $30 in earnings.

Eligible transactions will be counted at the end of each calendar month, and Green$ense earnings will be credited to your enrolled checking account on the second business day of the following month. If you have less than 10 eligible transactions in a calendar month, you will not receive any earnings credit for that month on either your Green$ense Debit Card or Credit Card. Transaction counts are not carried over from month to month. Only eligible transactions occurring in the enrolled checking account qualify. Earnings begin to accrue as of the business day you accept the Green$ense Terms and Conditions agreement.

The Green$ense enrolled checking account that the cash back will be paid into will be 1) the one that you open on the same day as the Green$ense credit card, or 2) the one with the most qualifying transactions.

Program Unenrollment

You will be automatically unenrolled from Green$ense and you will forfeit any earnings not credited to your checking account upon the occurrence of any of the following:

  • You request unenrollment at any branch, by calling 1-800-656-6561, or by clicking the "unenroll" link on the account view page within Online Banking.
  • You fail to accept the Green$ense terms and conditions by clicking the "cancel" button on the Green$ense enrollment page in Online Banking.
  • You no longer meet the Green$ense enrollment requirements (see the "Enrollment" section of this Agreement).
  • When opening a new checking account, you do not complete the Online Banking registration and acceptance of the Green$ense terms and conditions within 20 days of opening your account.
  • If you have an existing checking account, you request enrollment in Green$ense at a branch or by phone and do not complete either the Online Banking or Online Credit Card Services registration or acceptance of the Green$ense terms and conditions within 20 days of requesting enrollment in Green$ense.
  • You enroll your checking account in one of our other reward programs, including, but not limited to, Everyday Points®, or Fuel PerksTM.
  • You choose to opt-out of receiving Green$ense emails from Charter One.
  • You fail to enroll your Green$ense Credit Card account in Credit Card Online Service and Credit Card Online Statements.

Other Terms and Conditions

  • Green$ense is not available to business customers.
  • You can earn up to a maximum of $10 per month ($120 per year) in Green$ense earnings credit for each enrolled checking account.
  • If you have enrolled in the Green$ense Credit Card Program you can earn up to a maximum of $30 per month ($360 per year) for the credit card program.
  • We reserve the right to suspend, terminate or change Green$ense (as well as the terms and conditions of this Agreement), or your participation in Green$ense, at any time. Cancellation, suspension or changes could result in the forfeiture of any earnings not credited to your checking account.
  • You are responsible for any personal tax liability related to your participation in Green$ense. The amount of non credit card earnings posted to your account will be reported to the IRS as interest earned in the year credited.
  • Green$ense is void where prohibited by applicable law.

Member FDIC

COB Rev. Date: 10/26/09