Exhibit (h)(5) Letter Agreement adding Citizens Value Fund to the Transfer Agency Agreement

                                 Exhibit (h)(5)

                  Letter Agreement adding Citizens Value Fund
                        to the Transfer Agency Agreement



                                                                  Exhibit (h)(5)
                                 CITIZENS FUNDS
                                000 Xxxxxxxx Xxx
                                    Xxxxx 000
                              Xxxxxxxxxx, XX 00000

                               September 21, 2001

BISYS Funds Services Ohio, Inc.
0000 Xxxxxxx Xxxx
Xxxxxxxx, Xxxx 00000-0000

         Re: Citizens Funds - Transfer Agency and Service Agreement

Ladies and Gentlemen:

         This letter serves as notice that Citizens Value Fund (the "Fund"), is
added to the list of series to which BISYS Funds Services Ohio, Inc. ("BISYS")
renders services as transfer agent pursuant to the terms of the Transfer Agency
Agreement dated as of October 18, 2000 (the "Agreement") between Citizens Funds
and BISYS.

         Please sign below to acknowledge your receipt of this notice adding the
Fund as a beneficiary under the Agreement.

                                            CITIZENS FUNDS

                                            By:    Xxxx X. Xxxxxxx
                                                   -----------------------------

                                            Title: President
                                                   -----------------------------

Acknowledgment:

BISYS FUND SERVICES, INC.

By:    Xxxxxxx Xxxxx
       ---------------------------------

Title: President
       ------------------------------------------