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WELCOME INVESTORS BANK CUSTOMERS

Welcome to Citizens! We're glad you're here. Now that your accounts have
transitioned, it's time to enroll in Citizens Online™ Banking!

Enroll in Online Banking


✕


WHY CITIZENS


BANKING THAT STANDS AND GROWS WITH YOU

Financial solutions for your stage of life and beyond

Checking

Credit Card

Home Loans

Wealth Management

FEATURES


BANKING THAT STANDS WITH YOU

Easy and valuable features


GET PAID UP TO 2 DAYS EARLY1

Citizens Paid Early™ gets you paid up to 2 days early when you have direct
deposit1. No need to sign up and it`s absolutely free.

How do I get paid early


REVERSE OVERDRAFT FEES WITH EASE

Mistakes happen! Get extra time to cover your overdrafts with Citizens Peace of
Mind™2

Reverse Overdraft Fees


STAY ON TOP OF YOUR FINANCES

We know there’s a lot to keep track of. Citizens iQ™ brings attention to
personalized spending and saving trends.

Track your Spending


ACCESS YOUR MONEY ANY TIME

Citizens Connect™ lets you access your money anywhere online & at 1,000 branches
and over 3,000 ATMs3

Locate a Branch or ATM

REWARDS


BANKING THAT GROWS WITH YOU

CitizensPlus™ - benefits that grow as your relationship grows*

One Deposit Checking From Citizens Bank™
 * One Deposit Checking From Citizens Bank™
 * Citizens Quest® Checking
 * Citizens Wealth™ Checking


REWARDS FOR
ONE DEPOSIT CUSTOMERS

Best if...
If you are looking for a simple solution for everyday banking. Just 1 deposit
per statement period to waive $9.99 monthly maintenance fee.

Start Here

CREDIT CARD REWARDS7

1.8% cash back on everything with a Citizens Cash Back Plus™ card

MORTGAGE DISCOUNTS

0.125% Automatic Payment Discount9

HOME EQUITY LINE OF CREDIT DISCOUNTS

0.25% Automatic Payment Discount11

EDUCATION REFINANCE LOAN

Get a 0.25% Automatic Payment Discount14 and a 0.25% Loyalty Discount15 with all
Citizens checking accounts


REWARDS FOR
CITIZENS QUEST CUSTOMERS

Best if...
If you are looking for a relationship account with extra features, without extra
fees. $5,000 total deposits to your primary checking each statement period or
$25,000 in combined deposit and investment balances across your linked accounts
to waive $25.00 monthly maintenance fee

Start Here

RATE BOOSTER4

At least 25% higher than One Deposit4

INVESTMENT BOOST

 * Up to $1,0005
 * 0.50% match on funding in a new managed investment relationship

NO ATM FEES

No charge from us to use non-Citizens ATMs3

UNLIMITED FAMILY BANKING

Unlimited linked checking and savings accounts for your family

CREDIT CARD REWARDS7

1.9% total cash back when you spend $10,000+ annually with a Citizens Cash Back
Plus™ card8

MORTGAGE DISCOUNTS

 * 0.125% Automatic Payment Discount9
 * $250 off closing costs10

HOME EQUITY LINE OF CREDIT DISCOUNTS

 * 0.25% Automatic Payment Discount11
 * Annual fee waiver12

EDUCATION REFINANCE LOAN

Get a 0.25% Automatic Payment Discount14 and a 0.25%Loyalty Discount with all
Citizens checking accounts15.


REWARDS FOR
WEALTH CHECKING CUSTOMERS

Best if...
You are looking for a team of financial professionals that can assist you with
banking, lending, and investing. Maintain $200,000 in combined deposit and
investment balances to qualify

Start Here

RATE BOOSTER4

At least 50% higher than One Deposit

INVESTMENT BOOST

 * Up to $2,0006
 * 1% match on funding in a new managed investment relationship

NO ATM FEES

 * No charge from us to use non-Citizens ATMs3
 * Up to $10 reimbursed for fees charged by other banks

UNLIMITED FAMILY BANKING

Unlimited linked checking and savings accounts for your family

CREDIT CARD REWARDS7

2% cash back with a Wealth Cash Back Plus™ card

MORTGAGE DISCOUNTS

 * 0.125% Automatic Payment Discount9
 * $500 off closing costs10
 * Additional rate discounts may be available

HOME EQUITY LINE OF CREDIT DISCOUNTS

 * Annual fee waiver12
 * 0.25% Automatic Payment Discount11
 * 0.25% rate discount13

EDUCATION REFINANCE LOAN

Get a 0.25% Automatic Payment Discount14 and a 0.25% Loyalty Discount with all
Citizens checking accounts15.


✕

ADVICE


PERSONALIZED ADVICE

We are with you every step of the way


ONE DEPOSIT CHECKING FROM CITIZENS™

 * Access to a Citizens Banker
 * Insights and alerts with Citizens IQ


CITIZENS QUEST® CHECKING

 * Access to to a Citizens Banker
 * Access to our Financial Advice Center
 * Insights and alerts with Citizens IQ
 * Dedicated toll-free number with agents offering priority service


CITIZENS WEALTH™ CHECKING

 * Dedicated Relationship Manager
 * Certified Financial Planner®
 * In-person Financial Advisor
 * Dedicated toll-free number with agents offering expedited service


GET OUR LOWEST RATE CREDIT CARD

The Citizens Clear Value® Mastercard® offers our lowest intro rate on balance
transfers and purchases for 21 billing cycles.

Learn More


MEET OUR 2023 CHAMPIONS IN ACTION

Our Champions are dedicated to improving environmental sustainability in their
communities.

Discover Their Impact


PAY FOR COLLEGE WITH MULTI-YEAR APPROVAL‡

College prep is a lot, but the right college funding can be a lot off your back.
Especially if one application could fund every school year.

Learn More


ADVICE TO HELP GET YOUR FUTURE IN SHAPE

Advice to help get your future in shape

Find an Advisor
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© 2023 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand
name of Citizens Bank, N.A. Member FDIC

* 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 Wealth ™ 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.

**Earn your cash back reward in the amount of $150 when you make $500 in
eligible purchases with your new Citizens Cash Back Plus™ World Mastercard®, net
of any returns, in the first 90 days after account opening. To qualify, you must
open a new Citizens Cash Back Plus™ World Mastercard®. All purchases must be
posted to your account within the promotional period. Balance Transfers, money
orders, gift cards, wire transfers, lottery tickets, gambling charges or
unauthorized charges to your account are not considered eligible purchases The
cash back reward will post to your account once all of the terms of the offer
have been met. Your cash back reward will appear on your statement as “Spend
Reward”. Your account must be open and in good standing at the time the cash
back rewards are credited. 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 of 1.8% 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.

‡ Multi-Year Approval: Funds available for future use are subject to a soft
credit inquiry at time of your next request to verify continued eligibility.
After we make the initial Loan to you, we may refuse to allow you to take out
additional loans under the Multi-Year Approval feature, terms and conditions
will be outlined in your promissory note.

1 If you are a Citizens Personal Checking, Savings or Money Market account
customer that has set up a direct deposit with a payor, you may be able to get
that direct deposit up to two days early with Citizens Paid Early™. Whether a
direct deposit is eligible for Citizens Paid Early™ is at our discretion and we
cannot guarantee that you will always receive the Citizens Paid Early™ service.

2 Overdraft Fees will be reversed if your account is overdrawn, and you deposit
enough funds to bring your account to a positive available balance (minus
overdraft fees) by 10:00 PM ET the following business day. All deposits are
subject to our Funds Availability schedule. Learn more at
citizensbank.com/peace-of-mind

3 Non-Citizens ATM owners may charge a fee.

4 Deposit boosters exclude certificate of deposit (CD) rates. Citizens Quest and
Citizens Wealth Deposit Rate Boosters do not apply to other promotional rate
offers.

5 Investment Boost Citizens Quest Checking: To earn a match of up to $1000, open
and fund a new managed money relationship with Citizens Securities, Inc./
Clarfeld (excluding Specifi). For purposes of this offer, the qualifying balance
shall mean incoming assets (including cash and securities) that remain on
deposit 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. Qualifying assets transferred in less than $200,000.00 will
receive a 0.50% match that will be calculated at the end of the accounts 90 day
accumulation period.  Qualifications: You must have a Citizens Quest checking
account and a Citizens Securities, Inc. or Clarfeld – (excluding Specifi)
managed money investment account, both must be open and active for 60 days
following your Citizens Securities/Clarfeld, Inc 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/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 Citizens Quest 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.

6 Investment Boost Citizens Wealth Checking: To earn a match of up to $2,000,
open and fund a new managed money relationship with Citizens Securities, Inc./
Clarfeld (excluding Specifi). For purposes of this offer, the qualifying balance
shall mean incoming assets (including cash and securities) that remain on
deposit for 90 days following investment account opening (the “accumulation
period”). Qualifying assets transferred in totaling $200,000.00 will receive the
full $2,000 match. Qualifying assets transferred in less than $200,000.00 will
receive a 1.00% match that will be calculated at the end of the account’s 90 day
accumulation period. Qualifications: You must have a Citizens Wealth Checking
account and a Citizens Securities, Inc. or Clarfeld – (excluding Specifi)
managed money investment account, both must be open and active for 60 days
following your Citizens Securities/Clarfeld, Inc. 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./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 Citizens Wealth 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.

7 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) Other terms may apply and
will be included in the Agreement.

8 Credit Card — Citizens Quest: When you spend ten thousand dollars or more on
your card annually, you will earn Bonus Points of 0.10% for every dollar spent
on eligible net purchases. Annual spend based on your Cash Back Plus Credit Card
Account anniversary. These Bonus Points are exclusive to Citizens Quest®
Checking Customers and are subject to Citizens Quest Checking account approval
and ongoing program qualification requirements. If you are eligible for Bonus
Points, this bonus will be paid in the month following your Cash Back Plus
Credit Card anniversary and will include all bonus points earned during the
previous year. This Rewards Program and additional bonus points are subject to
Citizens Quest Checking account approval and ongoing program qualification
requirements.

9 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.

10 Mortgage Closing Costs 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 Wealth Checking or
Citizens Quest Checking account in order to be eligible for the discount.
Checking account must be opened prior to mortgage loan closing.

11 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.

12 Home Equity Line of Credit: Variable Annual Percentage Rate (“APR”) based on
The Wall Street Journal Prime Rate (“Prime”) published on the last business day
of the month, (5.50% APR as of 07/29/2022). Maximum APR 21%. Minimum APR 2.50%.
Obtaining the best rate requires the following criteria to be met: 1) A new home
equity line of credit application, 2) A line amount of $200,000 or more, 3) Line
must be in first lien position, 4) Having a Citizens consumer checking account,
or in the states listed below, any checking account, set up with automatic
monthly payment deduction at the time of origination, 5) A loan-to-value (LTV)
of 80% or less (85% or less in Michigan), and 6) Strong creditworthiness. In the
following states you can get the discount by setting up automatic payments with
any checking account: DC, FL, IL, IN, KY, MD, ME and VA. Our best rate,
including all rate discounts, cannot be lower than 2.50% APR. References to rate
percentages and/or rate percentage discounts throughout this letter mean
percentage point/percentage point discount. Eligible properties include
owner-occupied 1- to 4- family properties, condominiums, and 2nd/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 CT, DC, DE, FL, IL, IN, KY, MA, MD, ME, MI,
NH, NJ, NY, OH, PA, RI, 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 ninety days prior to
application. Property insurance required. Flood insurance may be required. No
annual fee for the first year, then $50 per year thereafter during the Draw
Period. The Annual Fee is waived for the Citizens Home Equity Line of Credit if
you have a Citizens Wealth 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. Citizens Bank offers Home Equity Lines of
Credit as low as $17,500, but terms may vary.

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

14 Student Education Refinance 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.

15 Education 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.

SpeciFi ℠ is made available through CSI. Portfolio management services are
sub-advised by SigFig Wealth Management, LLC (“SigFig”), an SEC registered
investment adviser. SigFig is not an affiliate of CSI, or Citizens Bank, N.A..

Citizens Wealth Management is comprised of both banking and brokerage affiliated
companies.

Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960).
All loans are subject to approval.

Credit cards are issued by Citizens Bank, N.A.
Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A.
NMLS ID# 433960 Equal Housing Lender Member FDIC.
Banking products are offered through Citizens Bank, N.A. Deposit accounts held
at Citizens Bank, N.A. are separately insured.

Securities, Insurance and Investment Advisory Services offered through Citizens
Securities, Inc. ("CSI"). CSI is an SEC registered investment adviser and Member
- FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an
affiliate of Citizens Bank, N.A.

Securities, Insurance Products and Advisory Services are:

· NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE · NOT A DEPOSIT · NOT
INSURED BY ANY FEDERAL GOVERNMENT AGENCY