Citizens Summit Reserve™ for Citizens Private Bank®

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

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 Concierge Service: Mastercard Concierge can assist you by calling 1-877-354-8330 or visit worldeliteconcierge.mastercard.com.

³ Lounge visit fees may apply. View the terms and conditions of use at prioritypass.com/en/conditions-of-use. Please enroll by visiting prioritypass.com/citizens. Enter the first six digits of your credit card account number when prompted.

⁴ Offer must be redeemed on or prior to October 31, 2025, at 9:00pm GMT, 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.

⁵ 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 Eastern Time 15 March 2025 until 11:59 PM Eastern Time January 31, 2026, subject to early termination.

⁶ For additional details, visit citizensbank.com/priceless.

⁷ For additional details, visit priceless.com/golf.

⁸ 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.

⁹ For more information visit citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx.

¹⁰ 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.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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