¹To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 6/18/20 and 10/1/20 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn a $200 bonus, open your first new personal checking account with no direct deposit required, AND open your first new personal savings account on the same date between 6/18/20 and 10/1/20 with a minimum of $15,000 not already on deposit with Citizens Bank that remains on deposit until date stated in the table below. To earn the additional $100 bonus, you must qualify for both the $300 bonus and the savings portion of the $200 bonus noted above. Qualifications: Primary signer on the new checking and savings accounts may not be or have been a signer on any Citizens Bank personal checking or savings account within the previous six months. The new account[s] must be open and in good standing on the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens Bank checking account and may include salary, pension, and other regular income. Eligibility: Customer must open their first new checking and/or savings accounts via Citizens Bank’s online account opening system accessed by clicking on the orange button above. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. Payout: Bonus will be deposited to the new 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. Platinum Checking and Savings: Minimum opening balance of any amount. Variable-rate Annual Percentage Yield [APY] for Platinum Checking varies by tier. For example, as of 6/18/20, APY by tier for Platinum Checking is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Variable-rate APY for Platinum Savings varies by tier. For example, as of 6/18/20, APY by tier for Platinum Savings is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change after account opening. Minimum balance requirements apply to waive the Platinum Checking $25 monthly maintenance fee. One Deposit Checking: Just one deposit of any amount each statement period waives the monthly maintenance fee on a One Deposit Checking account from Citizens Bank. One Deposit Savings: Variable-rate APY for One Deposit Savings varies by tier. For example, as of 6/18/20, APY by tier for One Deposit Savings is: 0.01% for tiers below $1,000, $1,000+, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+ and $1,000,000+. Fees may reduce earnings. Rates subject to change after account opening. Just one deposit of any amount each monthly maintenance fee period OR a $200 minimum balance waives the monthly maintenance fee on a One Deposit Savings account.

²At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens Bank® when all account owners are age 25 or older.

Account[s] opened in month of: Single $500 Direct Deposit to new checking account: $15,000 Savings Balance remains on Deposit until: Bonus will be paid by: June 2020 Within 60 days of account open date September 30, 2020 October 31, 2020 July 2020 Within 60 days of account open date October 31, 2020 November 30, 2020 August 2020 Within 60 days of account open date November 30, 2020 December 31, 2020 September 2020 Within 60 days of account open date December 31, 2020 January 31, 2021 October 2020 Within 60 days of account open date January 31, 2021 February 28, 2021

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