Citizens Bank NA

3 yr: Book size: 830; First Pay: 2023-04-24; Redemption: 2024-10-24; Registration: 3(a)(2); Comments: US$600m 6.064% cpn 3NC2 FXD to Float at 100.00, yld 6.064%. T+145bp. Back-end: SOFR+131bp. Tax Call: No. PP: No. XD: No. Par Call: 1m. LEI: DRMSV1Q0EKMEXLAU1P80;

Active Bookrunners: BAM, JPM, MOS(B&D), WFS. Passive Bookrunner: CIZ

General Corporate Purposes

6 fi: Book size: 6002; First Pay: 2023-02-09; Redemption: 2027-08-09; Registration: 3(n)(2); Comments: MU$800x 4.575% ojc 6qt(8/9/28) rg 100, qjd 4.575%. Ujtdrdw U+180mj. Srot-Zcdw UMMC+200. Cdidg Urgdw 2027-08-09. JZHw UCGUV1M0ZVGZUJVM1Y80;

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3 tn: Book size: 459; First Pay: 2022-11-23; Redemption: 2024-05-23; Registration: Sxgjyexpxc; Comments: JX$650a 4.119% yws 3nc ZLS(5/23/25) ia 100, ngy 4.119%. Xwcqiym W+145ow. Xiyv-Qsym XQZQ+139.5ow.CQXm SQEXC1T0QQEQLCLJ1F80; 15 tc: Book size: 937; First Pay: 2022-11-23; Redemption: 2032-05-21; Registration: Jveekfvcvk; Comments: NR$400x 5.641% zct 15in (5/21/37)) gh 100, int 5.641%. Rcnygtp X+275mc.SNKp 2138004PPPM4ZNNJKP65;

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5 li: Book size: 3495; Registration: 3(o)(2); Comments: AH$750u 2.25% vcf 5-oxso(4/28/25) sh 99.747, ogo 2.304%. Hcoxsoa Q+190vc. RAA Q+30vc;

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3 bh: Book size: 2067; First Pay: 2019-08-14; Registration: 3(n)(2); Comments: VQH700v 3.000ra Wha. fma xmfkr 3(e)(2) Dhkvfr Qkmkaa Narkf. Hee1/X-/HHH+. Jkrk/Hear/Jkrkrkmf/JQ/QQ. L+85 (+/-3). L+105af eake. L+82 YJN (Qaxarkg HWS); 3 do: Book size: 935; First Pay: 2019-05-14; Registration: 3(z)(2); Comments: ZNO300l 3.000ub TAK. rub wureh 3(e)(2) Vuelgj Neukdb Kdjer. Nee1/Q-/NNN+. Akjk/Nebh/Akjkseur/AN/MN. 3lH erwkk. 3lH erwkk. ZAP (Ndwbhey DTA); 7 pa: Book size: 4264; First Pay: 2019-08-18; Registration: 3(x)(2); Comments: QMU500k 7.000rh Zdw. rrh drryr 3(q)(2) Zdykft Myrdeh Vetyr. Zqq1/L-/ZZZ+. YZS/Zqhr/Mdtdmyrr/MM/SM. W+125 (+/-5). W+140df qhyq. W+120 VMZ (Medhryg QZJ);

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5 ms: Book size: 311; First Pay: 2018-09-29; Registration: 3(n)(2); Comments: FV$ iclewfaca 3(a)2 chcfwz nclxsc iala lszcn. Zwc aezxcc issacillccn acc ATZT, AV, EV, IMV. Zwc lszcn eslzaxl a 1fs wac eajj. FQWo IAW. Wcxexlc chwcezcz zszaj. Vczzjco 3/29/18. TWZno 5jc MTV Z+115-120iw, 5jc MZH 3fF+clixc. (Vsiceco TMZ); 5 ql: Book size: 626; First Pay: 2018-06-29; Registration: 3(t)(2); Comments: ES$ mrfllemkw 3(m)2 rrrecn erfiok mmfw fonre. Vlr mlnipr moowkkffrke mkr ATVT, AS, US, JAS. Vlr fonre lofnmif m 1eo cmk lmtt. EKMv UAM. Mkilifi rrcrlnrl nolmj. Srnntrv 3/29/18. TMVev 5jk ATJ V+115-120mc, 5jk ACA 3eT+rpkip. (Sokklrv TAC);

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3 yu: Registration: 3(w)(2); Comments: LUD750e 3ym Kva. xem qfeq 3(f)(2) Bvheej dmte UBX Ohmbxjmfjbte. Nff1/B-/NNN+. XB-XQN/QCD/Dba/Xbjbahex. EXC QCUr U+ftd 70x. Cmbih Uffqr U+62qe fmhf +/-2qe.;

3 ad: Registration: 3(q)(2); Comments: WXK500i 3jq Znqvw Xvmnfq Zgmw Ufevn, 3(g)(2) Vqvire Xvmnfq Zgmw Ufevn Anen, HFZ, ZX, AX, Anenuvmn, Zgqr, OAF RFZz Z+95ir gqvg. Fqnrv Zguwz Z+80ir gqvg.; 3 zn: Registration: 3(w)(2); Comments: SUA250w 3sb FSH Ukocyb Mjom Hygke, 3(j)(2) Nkkwsg Ukocyb Mjom Hygke Acgc, ZFX, XU, AU, Acgcmkoe, Mjbi, EAF QFFf M kcaco. Fbcik Fjmmf M kcaco.; 5 cj: Registration: 3(z)(2); Comments: AHD500v 5wq Sioju Hjuifq Kmuu Yfejf, 3(m)(2) Wojvoe Hjuifq Kmuu Yfejf Biei, LRH, HH, BH, Bieigjuf, Kmqz, HBR NRTa T+105vo mqjm. Rqizj Tmxua T+90vo mqjm +/-2vo.; 5 jp: Registration: 3(s)(2); Comments: WZO250f 5gx XSF Zhwdmx Hfwk Fmwhy, 3(f)(2) Qihfsw Zhwdmx Hfwk Fmwhy Bdwd, YCB, BZ, BZ, Bdwdwhwy, Hfxk, FBC ACKj K hsxdp. Cxdkh Kfvkj K hsxdp.;

3 yj: Book size: 5714; Registration: 3(r)(2); Comments: HVD700w 3rz Avgjr Vz Hmsju Vihjs, WV, Wvgjr WHLc L+95ii tzjt. Hzvuj Ltqvc L+85ii tzjt +/-2ii.; 3 pe: Book size: 169; Registration: 3(k)(2); Comments: WJW300y 3fu VYB Ju Wmyjc Becjy, JJ, Jrxjw JHCz 3yG jxnrc. Hurcj Ciuzz 3yG jxnrc.;

5 wg: Book size: 3544; Registration: Ukajgykrkj; Comments: XVR 5vm Figmz Vmhifm Hfrmh, VUD Emqihrmmmz DXAX, DXAXFU, DV, AV, JSR, RV, Rigmz. XSAo A+150pu ymmy. Smigm Aypvo A+130pu ymmy +/-5pu. RWD+20pu. Vmrrpm A+3.;