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* Cash Back Plus Rewards: The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. 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) If eligible, it may take up to 15 days to process any Reward Program upgrades. Rewards will be applied after upgrade has been processed. F) Other terms may apply and will be included in the Agreement.

** Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial Loan to you, we may refuse to allow you to take out additional loans under the Multi-Year Approval feature, terms and conditions will be outlined in your promissory note.

‡ CitizensPlus™ benefits cannot be applied in addition to other promotional benefits or discounts that we may offer from time to time. In order to qualify or maintain CitizensPlus, you must maintain an open and active Citizens Quest™ or Citizens Private Client ™ Checking account. We may evaluate accounts periodically to determine qualifications and have the right to remove benefits based on failure to meet qualifications. Benefits subject to change.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC

Citizens Wealth Management is comprised of both banking and brokerage affiliated companies.

Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval.

Credit cards are issued by Citizens Bank, N.A.
Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A. NMLS ID# 433960 Equal Housing Lender Member FDIC.
Banking products are offered through Citizens Bank, N.A. Deposit accounts held at Citizens Bank, N.A. are separately insured.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

^†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

Citizens Securities Inc. does not provide legal or tax advice. You should do your own research and/or contact your own independent legal or tax advisor for assistance with questions you may have regarding the tax or legal implications of your investments.