CitizensPlus™ Loyalty Program

* CitizensPlus™ benefits cannot be applied in addition to other promotional benefits or discounts that we may offer from time to time. In order to qualify or maintain CitizensPlus™, you must maintain an open and active Citizens Quest® or Citizens Private Client™ Checking account. We may evaluate accounts periodically to determine qualifications and have the right to remove benefits based on failure to meet qualifications. Benefits subject to change.

** Please be aware that securities, insurance products, and investment advisory services offered by Citizens Securities, Inc. and Clarfeld Financial Advisors, LLC (both affiliates of Citizens Bank, N.A.) are different from those offered by the bank and are subject to investment risk, including possible loss of principal.

SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE

¹ Better deposit rates: CitizensPlus™ deposit rate benefits are compared to One Deposit Savings and exclude certificate of deposit (CD) rates. Citizens Quest® and Citizens Private Client™ deposit rate benefits through the CitizensPlus™ program do not apply to other promotional rate offers and only apply to Citizens Quest and Citizens Private Client Savings and Money Market accounts.

² Cash Back Plus Rewards: The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor.E) If eligible, it may take up to 15 days to process any Reward Program upgrades. Rewards will be applied after upgrade has been processed. F) Other terms may apply and will be included in the Agreement. Citizens Private Client™ Rewards Program: The Citizens Private Client Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards of 2% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement. Cash Back Plus Rewards: The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor.E) If eligible, it may take up to 15 days to process any Reward Program upgrades. Rewards will be applied after upgrade has been processed. F) Other terms may apply and will be included in the Agreement.

³ Investment Match with Citizens Quest® Checking (“Quest”) or Citizens Private Client™ Checking (“Private Client”): To earn a match of up to $1,000 for Quest, or up to $2,000 for Private Client, open and fund a new managed relationship with Citizens Securities, Inc. or Clarfeld (excluding SpeciFi). For purposes of this offer, the qualifying balance shall mean incoming assets (including cash and securities) that remain in the account for 90 days following investment account opening (the “accumulation period”). Qualifying assets transferred in totaling $200,000.00 will receive the full $1,000 match with Quest or the full $2,000 match with Private Client. Qualifying assets transferred in less than $200,000.00 will receive a 0.50% with Quest or a 1.00% match with Private Client that will be calculated at the end of the account’s 90 day accumulation period. Qualifications: You must have a Quest or Private Client Checking account and a Citizens Securities, Inc. or Clarfeld (excluding SpeciFi) managed investment account, both must be open and active for 60 days following your Citizens Securities, Inc. or Clarfeld investment account accumulation period. Eligibility: One-time promotional bonus is available only to one individual per household. Household must be new to Citizens Securities, Inc. or Clarfeld to qualify for the bonus. Household for this CitizensPlus™ offer is defined as individuals residing at the same address. Bonus will be deposited to a Quest or Private Client Checking account within 60 days following the above noted 90 day accumulation period and will be labeled as “Balance Builder Bonus.” Bonus will be reported to the IRS for income tax purposes.

⁴ Mortgage: Closing cost discount offer cannot be combined with other closing cost discount offers. Borrower or co-borrower on mortgage application must be listed as account holder on Citizens Private Client Checking or Citizens Quest Checking account in order to be eligible for the discount. Citizens Private Client or Citizens Quest Checking account must be opened prior to the mortgage loan closing.

⁵ Mortgage Auto-pay Discount: In the following states: NH, VT, MA, RI, CT, NY, NJ, DE, PA, OH, MI, a Citizens consumer checking account set up with automatic monthly payment deduction and e-statement enrollment is required at time of loan origination to be eligible for a 0.125 percentage point mortgage interest rate discount. All other states require a consumer checking account set up with automatic monthly mortgage payment deduction. E-statement enrollment is required at time of loan origination to be eligible for the 0.125 percentage point interest rate discount. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply. This is not a CitizensPlus™ exclusive benefit.

⁶ Home Equity Line of Credit: The Annual Fee is waived for the Citizens Home Equity Line of Credit if you have a Citizens Private Client Checking or Citizens Quest Checking account open and active at the anniversary of your Credit Line when the Annual Fee would be assessed. If you do not meet this requirement, the Annual Fee of $50 will be charged to your Credit Line Account. Variable Annual Percentage Rate (“APR”) based on The Wall Street Journal Prime Rate (“Prime”) published on the last business day of the prior month (8.50% APR as of 10/31/2023). Maximum APR 21%. Minimum APR cannot be lower than 2.50%. Eligible properties include owner-occupied 1-to 4-family properties, condominiums and second/vacation homes. Ineligible properties include, but are not limited to: investment property (defined as non-owner-occupied property), a co-op, mobile home or manufactured housing. Property must be located in AL, AR, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, VA or VT. Rate and terms are subject to change and credit approval. Home equity lines of credit are available in first or second lien positions. Not available for homes currently for sale. Homes previously listed for sale must be off the market for at least 90 days prior to application. Property insurance required. Flood insurance may be required. Citizens offers Home Equity Lines of Credit as low as $17,500, but terms may vary.

⁷ Home Equity Line of Credit Auto-pay Discount: Save 0.25% off your rate for customers with a Citizens consumer checking account, set up with automatic monthly payment deduction at the time of origination. In the following states you can get the discount by setting up automatic payments with any checking account: AL, AR, DC, FL, GA, IA, IL, IN, KY, MD, ME, MN, NC, NE, OK, SC, SD, TN, and VA. HELOC Annual Interest savings is based on an average HELOC balance of $60,000 and assumes the recipient is receiving 0.25% Home Equity Auto-pay discount. This example is provided for illustrative purposes only to show possible annual savings. Your actual annual savings may vary. This is not a CitizensPlus™ exclusive benefit.

⁸ HELOC/Private Client Discount: Citizens Private Client Checking customers will receive 0.25% off their offered home equity line of credit (HELOC) interest rate if they have an open Citizens Private Client™ Checking account at the time their Citizens HELOC application is submitted.

⁹ Student Loan Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. This is not a CitizensPlus™ exclusive benefit.

¹⁰ Student Loan Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. This is not a CitizensPlus™ exclusive benefit.

¹¹ Non-Citizens ATM owners may charge a fee. Fees charged by Non-Citizens ATM owners will be rebated for Citizens Private Client™ and Citizens Private Bank™ accounts.

Credit cards are issued by Citizens Bank, N.A.

Mortgages and Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A., NMLS ID# 433960. Equal Housing Lender.

Banking products are offered through Citizens Bank, N.A. (“CBNA”). For deposit products, Member FDIC.

Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.