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1 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.

2 Your Home Rewards from Citizens™ is offered in partnership with HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with Citizens Bank, N.A., and Citizens is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from Citizens Bank, N.A. is optional and not required to participate in the program offered by HomeStory Real Estate Services. The borrower may arrange for financing with any lender. Qualifying for the reward requires utilizing a network real estate agent to complete the real estate buy and/or sell transaction. If you are currently working with a real estate agent, this is not a solicitation. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. An agent commission reduction, rebate, and/or credit may be available in lieu of the reward in Mississippi, New Jersey, Oklahoma and Oregon and should be discussed with the agent upon enrollment. Rewards in Kansas and Tennessee are required to be delivered by gift card. In Kansas, the reward is set to $1,000 regardless of the sale price of the property. Reward will be issued in the form of a check unless otherwise directed by state law and will be sent to the client enrolled in the program within 45 days in the form of a check unless otherwise directed by state law and will be sent to the client enrolled in the program within 45 days of closing. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $6,500 per buy or sell transaction. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Employer-sponsored relocations may preclude participation in the reward program offering. If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward. Citizens does not offer FHA or VA loans in connection with the Your Home Rewards program. Offers may be withdrawn without notice.

3 Satisfaction rating as of August 19, 2022, per HomeStory Real Estate Services customer surveys.

4 Variable Annual Percentage Rate (“APR”) is based on the Wall Street Journal Prime Rate (“Prime”) published on the last business day of the month, (8.50% APR as of 7/31/2023). Maximum APR 21%. Minimum APR 2.5%. The interest rate is variable, and the monthly payments will change over the 10 years depending on changes to the Prime Rate. At the end of your 10-year draw period, your balance will be converted to a principal and interest monthly payment with a 15-year repayment period. If you select interest-only payments, at the end of the draw period, even if the interest rate stays the same, your monthly payment will increase, possibly significantly, because you will be required to pay both principal and interest. 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 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 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. Citizens offers Home Equity Lines of Credit as low as $17,500, but terms may vary.

5 Average APR on credit cards per creditcards.com rate survey as of March 29, 2023. Average APR on personal loans for a credit score of 680-719 per Bankrate as of March 29, 2023.

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Mortgages and Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A.

REV 04/2023 1985157