Welcome to your Citizens Summit^™ World Mastercard^®

* Please see your latest statement for current rate and fee information that applies to your account or request your Cardholder Agreement. APRs will continue to vary with the market based on the Prime Rate.

¹ The Citizens Summit™ World Mastercard® Reward Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant and grocery store (excluding Walmart® and select superstores) merchant categories with your Citizens Summit™ World Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This 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 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.

² Beginning 4/1/21 and running through 1/31/2026, Lyft users can participate in Lyft and Mastercard's Take 3, Get $5 program ("Program") by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit ("Credit"). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card® is not eligible for this program, but Apple Pay® or Google Pay™ may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An "Eligible Ride" is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft's sole discretion. Credits expire thirty (30) days after application. Limited-time only and while supplies last. By participating in the Program, you agree to these terms and Lyft's Terms of Service (lyft.com/terms), and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to two (2) days to be applied to your Lyft account.

³ Peacock Premium: Ends 12/31/2025, subject to early termination. Must use qualifying Mastercard World or World Elite credit card and subscribe to a full-priced Peacock Premium plan directly from Peacock to receive a $3.00 monthly statement credit. Statement credit ends when user no longer meets eligibility requirements. Excludes current Peacock Premium and Premium Plus subscribers. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see peacocktv.com/offer-terms/mastercard

⁴ Instacart ends 8/31/25, subject to early termination. Add an eligible U.S. World or World Elite Mastercard credit card and subscribe as a new Instacart+ member to receive a free two month trial and a $10 Instacart coupon on your second qualifying order each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. By redeeming this offer, you agree to the Instacart+ terms instacart.com/terms#terms-instacartplus and if you select a paid plan, your Instacart+ membership will auto renew and the applicable membership fee will be billed automatically to any payment method on file until you cancel. Additional terms apply, please visit instacart.com/p/mastercard-offer

⁵ Valid through 9/30/25. To get the free ShopRunner membership offer, compliments of Mastercard, please go to shoprunner.com/mastercard and verify your eligibility for the offer with a World Mastercard or World Elite Mastercard account number and then complete the sign up for a ShopRunner membership account. For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at shoprunner.com/terms/sr, which govern the use of your ShopRunner membership offer.

⁶ Ends 9/30/2025, subject to early termination. Make a booking or purchase of a gift card of $200 or more on ResortPass using your eligible World Elite Mastercard and receive a $30 statement credit. Make a booking or purchase of a gift card of $200 or more on ResortPass using your eligible World Mastercard and receive a $20 statement credit. Cannot be combined with other discounts. Statement credits may take up to 60 days to appear on your statement. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see Resortpass.com/mastercard

⁷ Open only to individuals with an eligible U.S.-issued Mastercard credit or debit card (excluding prepaid debit cards). Ends 12/31/25. Use your Mastercard credit or debit card (excluding prepaid debit cards) to make a contactless public transit purchase (initiated at point of entry) in Chicago, IL; Boston, MA; Miami, FL; Philadelphia, PA, or Dallas, TX and process a minimum of $10 in contactless transactions within any given calendar month and receive a $2.50 statement credit. Public transit is defined as bus and streetcar in Dallas, TX (DART); bus, subway and metro in Chicago, IL (CTA & Pace Suburban Bus), Miami, FL (DTPW), and Philadelphia, PA (SEPTA); and bus, subway, metro and trolley in Boston, MA (MBTA). Purchase transactions involving prepaid, PIN-based debit, international transactions, Mastercard® Corporate transactions or other transactions requiring a PIN for completion, are not eligible for this Offer. Your $2.50 statement credit will be automatically applied to your card within 60 days of purchase. Limit 1 credit per participant per calendar month. For a list of financial institutions that are not participating in this benefit, click here for a list of financial institutions that are not participating in this benefit. For full Terms & Conditions, visit mastercard.com/transitbenefit. Terms subject to change.

⁸ For additional details, visit priceless.com

⁹ For additional details, visit priceless.com/golf/

¹⁰ Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details, call 800-MASTERCARD or visit mastercardus.idprotectiononline.com/general/legal/terms-of-service

¹¹ For more information visit citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx

¹² For additional information, or for country-specific details visit our website at www.mastercard.com or call the United States collect at 1-636-722-7111. Full details also available in Guide to Benefits.

¹³ Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms at healthlock.com/mastercard

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This card is issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.