Citizens Business Bank

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	Personal Credit Services

Citizens Business Bank offers a wide variety of Personal Credit Programs to meet your personal and business needs.

Credit Cards

The Platinum Plus^SM personal credit card sets a new standard of excellence. Enjoy many more features and services including worldwide acceptance at millions of locations and ATMs. Pick up an application today at any of our Citizens Business Bank Business Financial Centers.

Platinum Plus^SM for Business Mastercard is also available for business needs.

Bonus Balance - Overdraft Protection

Bonus Balance is Citizens Business Bank's solution to avoid costly and embarrassing overdrafts and have extra funds when you need them. Bonus Balance is an unsecured personal line of credit linked to your personal checking account.

-	Reduces the possibility of a returned check due to insufficient funds in your account.
-	Extra cash is available for customary purchases or emergencies.

Enjoy these special features of Bonus Balance:

-	Your line of credit is available for any purpose.
-	Your line of credit replenishes itself as payments are made.
-	Advances are made in $50 increments.
-	There is no charge until the line of credit is used.

Installment Credit

Citizens Business Bank offers a wide variety of installment loans to meet your personal and business needs.

-	New and used automobile loans.
-	New and used truck loans.
-	Recreational vehicles.
-	Home equity loans.
-	Equity lines of credit.
-	Second trust deed loans.
-	Personal loans to meet a variety of needs.

No matter what type of installment loan you need, your Citizens Business banker is prepared to advise and assist you in accomplishing your goal. In many cases you can be pre-approved for a loan before you go shopping, giving you the confidence you need to make a wise purchase.


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