Citizens for Startups^®

¹ Open your first new Citizens Analysis Business Checking account between 4/1/26 and 6/30/26. The following fees will be waived or rebated for three years: 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.

² To Earn Bonus: You must 1) open a new Citizens Analysis Business Checking account between 4/01/2026 and 6/30/26, 2) have the following qualifying balance requirements in your new account within 60 days of account opening, with money not currently on deposit with Citizens. Qualifying balances between $250,000-$499,999.99 will receive a $1,500 bonus; balance $500,000+ will receive a $2,500 bonus.

Qualifications: Your new 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.

Eligibility: This offer is only available for those who received this offer from a participating Relationship Manager, is part of a participating NAICS (North American Industry Classification System) code, 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 Offers may be withdrawn without notice and cannot be combined with any other business bonus checking offer.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 the business 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 12/31/2025. As assets under management referenced above represents aggregated AUM across our investment advisory affiliates.

³ Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC ("CFA"), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC ("EPS") or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.

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

SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE

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