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 1-833-253-6569 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 Benefit must be redeemed on or prior to December 31, 2027 at 4:00 PM EST, subject to early termination. Cardholders of an eligible Mastercard credit card or small business credit card are eligible to receive a complimentary annual Soho Friends account when the account is either activated for the first time or renewed with an eligible card during the benefit period. To redeem this benefit, visit the Soho Friends & Mastercard landing page here 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. Select your country of card issuance when selecting your country within the registration process. On the payment information screen, you must enter your eligible Mastercard credit card or small business credit card and press 'Save' to verify 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'. Please contact your issuing bank to confirm whether your Mastercard credit card or small business credit card is enrolled in this benefit.

Mobile wallet purchases are excluded from benefit eligibility. Benefit is available to new and existing Soho Friends who use an eligible, enrolled Mastercard credit card or small business credit card to sign up for or renew an annual Soho Friends account during the benefit period. Existing Soho Friends with an eligible, enrolled Mastercard credit card or small business card must email membership@sohohouse.com to have their current Soho Friends extended by a year upon their renewal date. This benefit applies to the Soho Friends annual fee only. All other purchases made using a Soho Friends account are the cardholder's responsibility. Cardholders in the United Kingdom, Europe and Asia regions are excluded. Soho House reserves the right to cancel, change, or suspend this benefit at any time without notice. By redeeming this benefit, you agree to the Soho Friends terms and conditions here.

As a Mastercard credit cardholder, your $100 bedroom benefit can only be redeemed against bedroom stays. It can be redeemed at the following locations: Soho Beach House Miami, Soho House Austin, Soho House Chicago, Soho House Holloway, Soho House Nashville, Soho House New York, Soho Warehouse, Soho House Mexico City, Soho House São Paulo, Babington House, Dean Street Townhouse, High Road House, Kettner's, Redchurch Townhouse, Shoreditch House, Soho Farmhouse, White City House, Little Beach House Barcelona, Soho House Amsterdam, Soho House Barcelona, Soho House Berlin, Soho House Paris, Soho House Rome, Soho House Tel Aviv, Jaffa, Soho Roc House and Soho House Mumbai. It cannot be redeemed at Soho Beach House Canouan, Soho House Istanbul, Oakley Court Windsor, Scorpios Bodrum, The Ned (London, Nomad NY and Doha), Public House Hotel Bangkok, The Upper House Hong Kong, Sanders Hotel Copenhagen, Villa Dagmar Stockholm, The Line (Austin, San Francisco, LA and DC) and Saguaro Palm Springs. Your $100 benefit will be applied upon checkout at the end of your stay, and will be applied to the room rate before tax. If your stay costs more than $100, the outstanding balance must be paid using an alternative method. This $100 benefit is valid for 1 year from the date your Soho Friends account has been activated, and must be redeemed with an eligible Soho Friends account. By redeeming this benefit, you agree to the Soho House bedroom booking terms and conditions here.

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 March 15, 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 https://mastercardus.idprotectiononline.com/legal.

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.