Company Profile
Leadership Team
Community Reinvestment Activity
Our Banking Family
Our Credo

Financial Profile
Annual Report

Our Credo

The accomplishments of Citizens Bank can certainly be attributed to smart business strategy and organic growth, but we
also believe in something special: Our Credo. We often refer to the trilogy of Customers, Colleagues and Community as the “Three Cs”:

• Customers: Hug the customer. Smile. Say thank you. Return phone calls and emails in a timely manner. Do whatever you can every day, in every way, to provide world-class service. Consistently exceed customer expectations. Always honor our commitment to customers. Give customers a reason to say, “Wow, I love these people.” In short, treat the customer the way you would love to be treated all the time.
• Colleagues: We want our company to be the best place to work in the world. The environment will be extraordinarily caring, like an extension of your own family. We will be supportive in times of personal difficulty, create opportunities for professional growth, and always make an effort to listen and act on your ideas. Every colleague will be treated with dignity and respect at all times.
• Community: We believe great companies have a moral core. We care deeply about our communities, and we demonstrate this commitment every day by volunteering where there is need. We respect the law at all times, and always conduct ourselves with integrity. All of our work must be ethical and honest. By giving back, and conducting ourselves with integrity, our customers and colleagues will be proud of us, and our company.

Everyone at Citizens Bank is expected to live the Credo every day and let it guide their actions. We are expected to be honest and ethical in all that we do. And, we are expected to make a difference, to go beyond the obvious to deliver "Wow" customer service.