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Get A Loan. Pick A Gift.

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   What's important to you is important to us. We're making loans to help you make things possible for your business, for your farm, and for you personally.

And, we're giving FREE GIFTS with a new business loan, agricultural loan, personal loan, business loan, home equity line of credit, commercial real estate and mortgage or refinance.

You’ll get an opportunity to choose a special gift from a long list of name brand house wares, electronics, computers and more. Visit your local Citizens Bank & Trust office before this offer expires to get a loan and pick a gift.

Online Catalog

20pc Plastic Storage Set

20pc Plastic Storage Set
2. CorningWare 20 oz French White Mug w/Lid
3. Sonnet AM_FM Clock Radio with MP3 Jack
4. Large Duffel Bag w/2 Zippered End Compartments
5. Proctor Silex 2-slice Wide-slot Toaster

6. Bushnell 8x21 Powerview Binocular
7. Proctor Silex Sandwich Toaster
8. GreatNeck 51pc Tool Set w/Carrying Case

9. Dirt Devil  
10. Amco Set of 4 Stainless Steel Bowls w/Lids

11. Kross 1 Million Candlepower Rechargeable Spotlight
12. Coby 4GB MP3/Video Player w/FM Radio
13. Chicago Cutlery 14pc Cutlery Set w/Wood Block
14. Black & Decker 3/8" VSR Drill Kit
15. Hamilton Beach 8-cup 2-speed Food Processor
16. Coby 7" Digital Photo Frame

17. Coby DVD Player w/JPG Compatibility

18. Hoover Lightweight Vacuum
19. Hamilton Beach 6-slice Toaster Oven
20. Apple 8GB iPod nano
21. Canon PIXMA Wireless All-In-One Machine
22. Coby MID Tablet with 7" Touch Screen  
23. Hoover WindTunnel Upright Vacuum Cleaner

24. Garmin nuvi 40 4.3" Portable Navigation GPS

25. Audiovox 9" Portable LCD DVD Player w/Swivel Screen
26. Coby 15" 720p Flat-panel LED HDTV
27. Apple 32GB iPod touch
28. Char-Broil 35,000 BTU Gas Grill w/Side Burner
29. Samsung Blu-ray Disc Player
30. Canon 12.1MP ELPH Digital Camera w/Full HD Video
31. Rachael Ray 10pc Stainless Steel Cookware Set

32. Sony Handycam Compact Camcorder

33. Hoover Self-Propelled WindTunnel Bagless Upright Vacuum Cleaner
34. Coby 23" 720p Flat Panel LED HDTV
35. Hewlett Packard 500 GB Notebook Computer 15.6"
36. Nikon D3200 Compact Digital SLR Camera

37. BOSE Wave Music System + Multi-CD Changer

38. MTD Troy-Bilt 21" Singe Stage Snow Blower with Electric Start

39. Howard Miller "Princeton" Grandfather Clock

40. Sony 42 inch Bravia 1080p Flap panel LED HDTV

41. Panasonic 42" 1080p Flat Panel LCD HDTV

42. Hewlett Packard Desktop Computer + 20" Monitor + Printer
43. Toshiba 42" 1080p Flat Panel 3D LED HDTV + 3D Blu-ray Disc Player + 3D Glasses

44. Howard Miller Benjamin Grandfather Clock
45. MTD Troy-Bilt 17HP Garden Tractor w/42" Mower Deck

46. Panasonic 50 inch 1080p Flat panel Plasma HDTV
47. Weber Deluxe Stainless Steel 48,000 BTU Gas Grill with Side Burner
48. Telescope Casual "Primera Sling" 5pc Patio Furniture Set

49. Toshiba 46 inch 1080p Flat panel LCD HDTV

50. Poulan 26HP Garden Tractor with 54 inch Mower Deck
51. Howard Miller "Glenmour" Grandfather Clock

52. Howard Miller "Majestic II" Curio Grandfather Clock

53. Telescope Casual 5pc "Villa" Deep Cushion Patio Furniture Set

54. Bose� Lifestyle V25 Home Entertainment System
55. Panasonic 55"1080p Flat Panel 3-D Plasma HDTV+ 3-D Blue Ray Disc Player + 3-D glasses

56. Sony 60 inch Bravia 1080p Flat panel LCD HDTV


*Minimum qualifying residential mortgage or mortgage refinance to receive a gift is $20,000. Gifts for loans and advances on lines of credit will be awarded after closing. Applications for these loans or lines of credit must be filed on or before September 28, 2012 to be eligible. All loans and lines of credit are subject to credit approval. Gifts for HELOCs and business lines of credit are based on the amount of the initial advance and must be drawn for a minimum of 60 days. In the event an advance/draw for which a gift (or gifts) was received is repaid prior to 60 days, the account holder may be assessed an amount equal to the value of the gift(s) received.**The IRS considers the cash value of the gift(s) you receive for loans or lines of credit in the columns marked by a double asterisk (**) as taxable income. Citizens Bank & Trust is required to report the value of these gifts on Form 1099-MISC as miscellaneous income in the year the loan/line of credit was closed. Gifts will be shipped directly from the manufacturer to you. Please allow 4-6 weeks after loan/line closing for delivery. Should an item be discontinued or not be available for other reasons, we reserve the right to substitute gifts of equal or greater value. This offer may be altered or discontinued at any time without prior notice. All gifts are warranted solely by the manufacturer. Gift offer ends on September 28, 2012.

Let’s talk! Contact your regular branch or call 800-634-6203