Savings, Money Market and Certificate of Deposit (CD) disclosures

Non-Citizens ATM disclosure: Non-Citizens ATM owners may charge a fee. Fees charged by Non-Citizens ATM owners will be rebated for Citizens Private Client® and Citizens Private Bank® accounts.

Banking products disclosure: Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.

Citizens Paid Early® disclosure: 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 Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service.

FDIC insurance disclosure: For deposits, Member FDIC. Insured up to the maximum amount allowed by law.

Individual approval disclosure: All accounts and services are subject to individual approval.

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

Personal Deposit Account Agreement and Fees and Features Guide disclosure: Please refer to the Personal Deposit Account Agreement and Fees and Features Guide for fees and information. See a banker for details and FDIC insurance limitations. Fees may reduce earnings.

Zelle® eligibility disclosure: To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Don't use Zelle® to send money to people you don't know. Data charges may apply.

Certificate of Deposit (CD) disclosure: Call us or visit a branch to apply or learn more about other available terms, competitive promotional CD and Money Market products with high yields or to roll over an existing Citizens CD. Early withdrawal penalties may apply.

Citizens Peace of Mind® disclosure: Citizens Peace of Mind® provides additional time to bring your account to a positive available balance and reverse Overdraft Fees. If your account is overdrawn, you have up until 10:00 PM ET the following business day (e.g., if your account is overdrawn at the end of the day Monday, you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the overdraft items (minus the fees), and any additional transactions that post to the account that day. If the available balance, excluding the overdraft fees, is positive (greater than or equal to $0) at the end of the following business day, any overdraft fees will be reversed. When determining the amount you need to deposit to take advantage of Citizens Peace of Mind®, you can check your balance in the Citizens mobile app or Online Banking and then consider transactions that may post to your account that day - such as checks or other debits. As we do not see these transactions until they are presented for payments, only you know what transactions may post to your account and how much you need to deposit. A deposit that only partially covers transactions or overdraft items will not result in a fee reversal. All deposits are subject to our Funds Availability schedule. This schedule helps you determine when a deposit you make will increase your available balance. For example, some deposits types such as checks drawn on a bank other than Citizens, even if made by 10:00 PM ET the next business day, are not available to cover transactions that day. But a deposit of cash, a Citizens check, or an electronic funds transfer will generally be available to cover the transactions. For information on our Funds Availability Policy, please visit citizensbank.com/overdraft or see your Personal Deposit Account Agreement. Citizens Peace of Mind is available on personal checking accounts. If your account has a linked overdraft transfer plan, these plan transfers will apply before Peace of Mind. Any applicable plan transfer fees are not eligible for Peace of Mind rebates.

Overdraft coverage disclosure: IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your account, we will charge you an Overdraft Fee of $35 per item paid. When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. We will limit to 5 the number of Overdraft Fees charged on any one business day, up to a total of $175. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive.

One Deposit Savings disclosure: Waive the $4.99 Monthly Maintenance Fee with any one of the following:

• Make one deposit of any amount per statement period
• Maintain a $200 minimum daily balance
• No monthly maintenance fee assessed when signer is under 25 or 65 or older
• New accounts will automatically receive a waiver on the first 4 monthly maintenance fees

Steady Save disclosure: Requests to change the savings amount or transfer date, or to cancel scheduled Steady Save transactions, may require up to two business days to take effect.

Citizens Savings Tracker® disclosures:

• Citizens Savings Tracker® disclosure: Subject to account eligibility. Only available on the Citizens Bank Mobile Banking application. Text and data rates may apply.
• Account eligibility disclosure: Customer must have an open Citizens personal savings account or personal money market account and a personal checking account.
• Smart Save disclosure: Not available to new to bank checking customers. Smart Save requires checking account to have four or more months of activity. Subject to available funds.
• Round ups disclosure: Subject to available funds. Additional amount of transfer determined by customer.

Overdraft plans disclosure: Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. There is no fee for Savings Overdraft Transfer Plan. The $12 transfer fee per day for Overdraft Line of Credit Plan is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest® Checking, and Citizens Private Client® Checking. There is no transfer fee on any day in which all overdraft transactions are $5 or less or the overdraft plan transfer is $5 or less - $5 Overdraft Pass®. The $30 Annual Fee on Overdraft Line of Credit is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest® Checking, and Citizens Private Client® Checking. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.

Overdraft coverage disclosure: IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your account, we will charge you an Overdraft Fee of $35 per item paid. When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. We will limit to 5 the number of Overdraft Fees charged on any one business day, up to a total of $175. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive.

Contributions disclosure: Equal to your maximum annual IRA contribution or any other amount within IRS guidelines. Steady Save® contributions are for current year only. See your Citizens Banker to make a prior year contribution.

Adding funds disclosure: Funds can be added to an existing account during grace period at maturity for fixed term investments.

IRS penalties disclosure: IRS penalties may apply. Consult your tax advisor.

IRA Savings Account disclosure: On your statement, your IRA Savings Account will be titled Variable Rate Savings IRA.

Subject to approval disclosure: All accounts and services are subject to approval. IRA distributions may be subject to state taxation depending on the tax laws of your state. Citizens does not offer tax advice. Consult your tax advisor for IRA eligibility rules and your individual circumstances. Please refer to the FDIC insurance limitations. Fees may reduce earnings.