Citizens Summit Reserve^™ World Elite Mastercard^®

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¹ The Citizens Summit Reserve™ World Elite Mastercard® Reward Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant, grocery store (excluding Walmart® and select superstores), and entertainment (including streaming services) merchant categories with your Citizens Summit Reserve World Elite 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. A Card account is in good standing if your Card is open and has charging privileges. 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 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 or Premium Plus subscribers. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see peacocktv.com/offer-terms/mastercard

Peacock Premium Plus: Ends 12/31/2025, subject to early termination. Must use qualifying Mastercard World Elite credit card and subscribe to a full-priced Peacock Premium Plus plan directly from Peacock to receive a $5.00 monthly statement credit. Statement credit ends when user no longer meets eligibility requirements. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see peacocktv.com/offer-terms/mastercard

³ Ends 8/31/2025, 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, 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

⁴ 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, which govern the use of your ShopRunner membership offer.

⁵ Ends 9/30/2025, subject to early termination. Receive a 50% discount on a monthly or annual Alo Moves subscription purchased at Alo Moves (the "Offer Page") using an eligible U.S. World Elite Mastercard consumer credit card. Must have or create an Alo Moves account to qualify. Eligible Mastercard cardholders who redeem this discounted subscription offer will receive 300 points to Alo Access, Alo Yoga's loyalty and rewards program, if they enroll in an Alo Yoga membership account with the same email address used for their Alo Moves subscription account. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see Alo Moves

⁶ To be eligible for a rewards credit you must use your Citizens Summit Reserve™ World Elite Mastercard® to pay the application fee. Citizens has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by US Customs Border Protection or TSA, and has no liability regarding any aspect of either the Global Entry or TSA PreCheck®. Additional terms apply.

⁷ Lounge visit fees may apply. View the terms and conditions of use at https://prioritypass.com/en/conditions-of-use Please enroll by visiting https://prioritypass.com/citizens Enter the first six digits of your credit card account number when prompted.

⁸ Spend $10 or more in a statement cycle on eligible travel purchases and earn a $10 statement credit on your Citizens Summit Reserve™ World Elite Mastercard® Credit Card: Maximum earn is 1 credit per statement cycle, up to 12 credits per year ($120 maximum benefit per year). Eligible travel purchases include those made at retailers whose merchant category code is one of the following: airlines, trains, hotels, resorts, local mass commuter transportation, including ferries, and trains. Purchases made through a third-party site or by a vendor that does not categorize themselves under one of the qualifying travel merchant category codes will not be eligible for the statement credit. 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. You will not receive the statement credit if the merchant's code is not eligible. Credit based on posting date and will be processed after an eligible purchase is posted and that billing cycle closes. Offer subject to change or cancellation without notice.

⁹ Citizens Lyft Program: Get a $10 statement credit each month you charge $25 or more of Lyft rides to your Summit Reserve card. Offer Period: Starting at 12:01 am ET 3/15/25 until 11:59 pm ET 1/31/26, subject to early termination.

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, 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.

¹⁰ Citizens Summit Reserve Card Concierge Phone number +1 (833) 253-6569

¹¹ Offer must be redeemed on or prior to October 31, 2025, at 21.00GMT, subject to early termination. You are eligible to receive a complimentary 12-month Soho Friends account when the account is either activated for the first time or renewed with your eligible Citizens Summit Reserve™ World Elite Mastercard® during the offer period. To redeem this offer, visit sohohouse.com/soho-friends-mastercard and click the "Join Now" link. On the "Get started" screen, either sign in or create an email account. On the next screen, complete your details. You must select "United States" as your country to redeem the offer. (If you select a country other than the United States, you will not receive the offer.) On the payment information screen, you must enter your eligible, enrolled US-issued Mastercard consumer or small business credit card and press "Save" to save your eligible Mastercard details. The total to be paid will be updated to $0 if you have saved an eligible Mastercard as your payment card. Finally, click 'Join Soho Friends'. Mobile wallet purchases are excluded from offer eligibility. Soho House reserves the right to cancel, change, or suspend this offer at any time without notice. By redeeming this offer, you agree to the Soho Friends terms. You may cancel your Soho Friends account at any time by emailing membership@sohohouse.com. Additional terms and restrictions apply, please visit sohohouse.com/soho-friends-mastercard

¹² Valid for eligible Mastercard World Elite credit cardholders in the U.S. See full terms and conditions at mtr.mastercardservices.com/en/chtnc

¹³ Ends 9/30/2025, subject to early termination. Make a booking or purchase of a gift card of $200 or more on ResortPass using (a) your eligible World Elite Mastercard and receive a $30 statement credit; or (b) your eligible World Mastercard and receive a $20 statement credit. Eligibility restrictions, exclusions, and terms apply. For full terms, see resortpass.com/mastercard.

¹⁴ 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 full Terms & Conditions, visit mastercard.com/transitbenefit Terms subject to change.

¹⁵ For additional details, visit priceless.com/golf

¹⁶ For additional details, visit citizensbank.com/priceless.

¹⁷ 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.

¹⁸ For more information visit citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx

¹⁹ 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

²⁰ Annual Fee per Account. No additional fee for Authorized User(s). $200 Fee Waiver ($95 Annual Fee) for customers who maintain a Citizens Quest Checking Account relationship. $295 Fee Waiver ($0 Annual Fee) for customers who maintain a Private Bank and/or Private Client Checking Account relationship. Cardholder must have stated Citizens Account relationship at Credit Card Account Opening and at each subsequent Account anniversary date in order for the waiver to apply. Otherwise, the full Annual Fee will be charged to the Account. Account relationship will be assessed periodically. The Annual Fee for new credit card customers is charged on the second statement cycle, and each subsequent Annual Fee will be charged on the card's anniversary date. The Annual Fee for existing Citizens cardholders is charged on the card's anniversary date.

²¹ Wireless carrier, text and/or data charges may apply.

²² A pre-qualification request will not impact your credit score. Rate estimates and terms are subject to change after full application review. A subsequent application will result in an inquiry on your credit report.

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Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.