Citizens for Startups^®

¹ Enroll in Citizens for Startups® between 7/13/26 and 12/31/26. The following fees will be waived or rebated: Monthly maintenance fees, per transaction fees, wire fees, and accessOPTIMA fees. Overdraft fees still apply. 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 charge you a Returned Item Fee of $35 per item returned. We will limit to eight the combined number of Overdraft Fees and/or Returned Item Fees charged on any one business day, up to a total of $280. 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. Generally applicable changes to account terms and conditions, including without limitation changes to fee amounts, shall also apply to your account.

² To Earn Bonus: 1) You must have an existing or open a new Citizens Private Bank Analysis Checking account and Enroll in Citizens for Startups® between 07/13/2026 and 12/31/26, 2) and have the following qualifying balance requirements in your Citizens Private Bank Analysis Checking account within 60 days of enrollment in Citizens for Startups®, with money not currently on deposit with Citizens. Qualifying balances between $250,000-$499,999.99 will receive a $1,500 bonus; balances $500,000+ will receive a $2,500 bonus.

Eligibility: Your account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Transfers between other Citizens accounts do not qualify.

This offer is only available for those who received this offer from a participating Relationship Manager, enrolled in Citizens for Startups®, and is non-transferable to other businesses. Retain this flyer for your records. Client/business will only be paid a one-time bonus for this program. Offers may be withdrawn without notice and cannot be combined with any other business bonus checking offer. Offer eligibility is determined at Citizens' sole discretion.

Payout: Bonus will be deposited to your checking account by the date stated in the table below and will be labeled as "Balance Builder Bonus." Bonus will be reported to the IRS for income tax purposes.

^ AUM as of 6/30/2026. As assets under management referenced above represents aggregated AUM across our investment advisory affiliates.

³ Citizens Wealth Management (in certain instances d/b/a Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services are offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer (Branch address: One Citizens Bank Way, Johnston RI 02919) and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services are also offered by Citizens Private Wealth, LLC ("CPW"), an SEC-registered investment adviser (see Form ADV Part 2A for details). CSI and CPW are affiliates of Citizens. Banking products and trust services are offered by Citizens. For deposit products, Member FDIC.

⁴ Neither asset allocation nor diversification guarantee a profit or protects against a loss.

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