1 Check transactions include checks deposited, paid or cashed within the statement period.

2 A $3 statement delivery service charge per statement period will apply to deliver paper statements. However, customers who use eStatements will not incur a statement delivery service charge. To enroll in eStatements and get your statements online, visit citizensbank.com/estatements.

3 Speak with a sales representative for more information on how to waive the Monthly Maintenance Fee.

4 No Overdraft Fee will be charged on any overdraft item of $5 or less ($10 or less for Business Advisor Checking®) or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less ($10 or less for Business Advisor Checking).

5 OVERDRAFT LINE OF CREDIT: $30 Annual Fee (waived for Business Advisor Checking accounts), $12 Transfer Fee per day for each day a transfer(s) occurs, plus interest on outstanding balances. The Annual Percentage (APR) for an Overdraft Line of Credit is 21% on the outstanding loan balance. Credit approval required.

6 EVERYDAY POINTS® BUSINESS MASTERCARD®: $325 is earned when you spend $5,000 in purchases in the first 90 days from account opening (50,000 bonus points) plus 3 points for every dollar spent, totaling 65,000 points. 1.5% thereafter is earned for every dollar spent (3 points). Each point is worth .005 cents. Redemption values can vary slightly for gift cards and merchandise. You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Any extension of credit shall be subject to the credit approval processes of Citizens. Additional terms and conditions shall apply including, but not limited to, the completion and submission of the Citizens credit application. Nothing in this brochure is or shall be deemed an offer, approval or commitment of credit of any kind.

7 For Everyday Points Business Mastercard: Introductory APR of 0.0% until the first day of your seventh billing cycle. On the first day of your seventh billing cycle, your variable APR for purchases will be set at 11.99%, 16.99%, 19.99% or 21.99% (as of 7/1/2022). For Business Platinum: Introductory APR of 0.0% until the first day of your thirteenth billing cycle. On the first day of your thirteenth billing cycle, your variable APR for purchases will be set at 8.99%, 14.99%, 17.99% or 19.99% (as of 7/1/2022). This information may have changed after that date. To find out what may have changed, call us toll-free at 1-866-248-4936 or speak with a sales representative for more information.

8 Wireless carrier, text and/or data charges may apply.

9 Minimum Daily Balance is the balance (collected and uncollected) in the account each day.

10 Money market accounts are subject to restrictions and limitations on the types of withdrawals and transfers you may make. Please refer to the Business Deposit Account Agreement and Business Deposit Account Fees & Features Guide for information on transaction limits. Exceeding these transaction limitations may result in the transfer of account to a non-interest-bearing checking account.

11 Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply. Please refer to the Mobile Deposit Service Agreement for more information: https://www.citizensbank.com/mobile-and-online-banking/service-agreement.aspx

12 E-Z DEPOSIT: This service is available with certain checking accounts. You will need a desktop scanner for this service. Please talk with your banker about which business account best fits your business needs.

13 ACH credit approval may be required.

14 Citizens business checking account customers are eligible for an ongoing payroll promotion, which includes a monthly 10% discount off the payroll processing fee and a three-month money back guarantee, when they are referred to Paychex® by Citizens OR two months, payroll processing at no charge when referred to Business Online Payroll and they process a billable payroll. The total amount of savings realized by a Paychex referred client receiving 10% off depends on the actual number of employees paid, payroll services selected and length of time a client processes payroll with Paychex. The ongoing discount may take up to two billing cycles to go into effect and will continue as long as the client maintains their account with Citizens. All three-month money back guarantee refund requests must be received within three months of the client’s first payroll run date. The client has the sole responsibility in declaring and paying any federal, state or local taxes. All discounts apply to new Paychex customers only who are referred by Citizens. Citizens Bank, N.A. does not provide tax advice. Business Online Payroll’s two-months no charge offer covers payroll processing and tax management service fees for up to five (5) employees. Citizens customers with more than 5 employees will incur a $1.99 per employee, per month service fee for each employee over 5. Additional fees may apply. The no charge payroll offer through Business Online Payroll may only be applied in the first two (2) months and may not be converted to U.S. dollars or refunded. These offers are subject to change or discontinuation and may not be combined with other Paychex/Business Online Payroll offers. Paychex® is a registered trademark of Paychex, Inc. Business Online Payroll® is a registered trademark of SurePayroll, A Paychex Company.

15 Worldpay from FIS, the logo and any associated brand names are trademarks of FIS. All trademarks, service marks and trade names referenced in this material are the property of and licensed by their respective owners. Worldpay US, Inc. is a registered ISO/MSP of Citizens Bank, N.A.

16 SBA Guaranty Fee waiver may apply.