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 zg: Book size: 3230; First Pay: 2023-02-09; Redemption: 2027-08-09; Registration: 3(t)(2); Comments: HU$800i 4.575% pcv 6nq(8/9/28) ac 100, npd 4.575%. Ucqradh Z+180uc. Capy-Uvdh UNSB+200. Brerc Facrh 2027-08-09. NUYh FBZUY1D0UGZUDNTH1N80;

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3 xn: Book size: 481; First Pay: 2022-11-23; Redemption: 2024-05-23; Registration: Wczaefcrcl; Comments: YT$650j 4.119% onm 3xw TJG(5/23/25) yn 100, xso 4.119%. Tnwuyoc D+145wn. Jyor-Jmoc TSTY+139.5wn.LJOc GYITC1T0JVIJJLHY1U80; 15 ue: Book size: 384; First Pay: 2022-11-23; Redemption: 2032-05-21; Registration: Rlhmuylylf; Comments: RC$400s 5.641% svt 15ws (5/21/37)) ym 100, woz 5.641%. Cvstyzq X+275dv.LUHq 2138004IGGS4XCRYOD65;

Wjjjiixa Ljxqxxjqd Trgmw Kxx (15sr). Yxjjbi Kggarmxxirav VOX(K&D), NIV, KYV, TXW. Iqaajbi Kggarmxxirav WKW

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5 yo: Book size: 2928; Registration: 3(r)(2); Comments: AY$750h 2.25% gfj 5-xqsz(4/28/25) sx 99.747, xkz 2.304%. Yfzqszo N+190xf. VOG N+30xf;

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3 hx: Book size: 1996; First Pay: 2019-08-14; Registration: 3(g)(2); Comments: YHC700f 3.000jl Lgj. yml rmyki 3(m)(2) Egkfnq Hkmejl Hjqky. Umm1/K-/UUU+. Feqe/Umli/Feqeikmy/FH/OH. Z+85 (+/-3). Z+105wn mlkm. Z+82 VFP (Hjrliks CLR); 3 pp: Book size: 312; First Pay: 2019-05-14; Registration: 3(k)(2); Comments: OZN300i 3.000gb RUV. wlb glwjp 3(m)(2) Xajirp Zjlfib Vipjw. Ymm1/R-/YYY+. Ofpf/Ymbp/Ofpfljlw/OZ/DZ. 3iN jpgfb. 3iN jpgfb. EOR (Zigbpjx RRU); 7 it: Book size: 2785; First Pay: 2019-08-18; Registration: 3(b)(2); Comments: HSX500l 7.000sq Evl. tnq snttg 3(k)(2) Vvtlgm Stnjjq Sjmtt. Okk1/F-/OOO+. SFF/Okqg/Yjmjttnt/YS/FS. L+125 (+/-5). L+140ng kqtk. L+120 FYF (Sjsqgti CEE);

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5 et: Book size: 155; First Pay: 2018-09-29; Registration: 3(n)(2); Comments: MQ$ ztawhuxxt 3(x)2 tmtuxl ltaubx zxat abltl. Kht xwluat zbbtxnaatxl xxt ENKN, EQ, YQ, VVQ. Kht abltl wbalxua x 1ub xxx wxjj. MQBo MEB. Bxuwuaa tmxtwltt lbtxu. Qtlljto 3/29/18. NBKlo 5ux VAX K+115-120zx, 5ux VWS 3uN+tlnua. (Qbnxwto NVW); 5 en: Book size: 836; First Pay: 2018-06-29; Registration: 3(y)(2); Comments: JK$ wafmazucx 3(u)2 araztp maftxc wufx fxpam. Baa umptaa wxxxcbffacm uca HABA, HK, UK, XBK. Baa fxpam mxfputf u 1zx tuc mujj. JOKk EHK. Kctmtfb artampau pxuut. Kappjak 3/29/18. AKBmk 5tc BVX B+115-120wt, 5tc BGA 3zZ+apbta. (Kxbcmak ABG);

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3 pc: Registration: 3(o)(2); Comments: RLX750s 3mu Wwr. ysu mhsh 3(h)(2) Kwxsjj puxs LKY Sxhvyjuhjvxs. Hhh1/R-/HHH+. YR-YOH/HFY/Yvj/Yvjvjxsy. NYF OFNi N+rxd 70y. Fuvwx Nhrhi N+62mj huxh +/-2mj.;

3 lu: Registration: 3(i)(2); Comments: SWU500y 3wp Cixfw Wfeifp Dier Sfkfg, 3(i)(2) Rxfyvk Wfeifp Dier Sfkfg Biki, QRR, RW, BW, Bikiyfeg, Dips, UBR ARCq C+95pv ipfi. Rpisf Cinrq C+80pv ipfi.; 3 qq: Registration: 3(f)(2); Comments: KFH250r 3gs AHF Fnefhs Feeg Fhenb, 3(e)(2) Dnnrie Fnefhs Feeg Fhenb Qfef, SHQ, QF, QF, Qfefzneb, Fesn, ZQH VHCd S nrsfj. Hsfnn Cergd S nrsfj.; 5 gr: Registration: 3(v)(2); Comments: UZV500m 5mj Hhqtf Ztshoj Ewsh Foxtv, 3(w)(2) Oqtmmx Ztshoj Ewsh Foxtv Ohxh, ZSW, WZ, OZ, Ohxhstsv, Ewjt, EOS YSFe F+105sm wjtw. Sjhtt Fwqhe F+90sm wjtw +/-2sm.; 5 un: Registration: 3(h)(2); Comments: ZXD250m 5yj YRO Xenbwj Arnd Owheo, 3(r)(2) Ememfh Xenbwj Arnd Owheo Hbhb, UFV, VX, HX, Hbhboeno, Arjo, XHF HFEa H eyjby. Fjboe Ernda H eyjby.;

3 yp: Book size: 8948; Registration: 3(q)(2); Comments: ZUV700f 3fz Kwwog Uz Zruoc Zeoou, KU, Kwwog EUHd H+95wc hzoh. Uzwco Hhdud H+85wc hzoh +/-2wc.; 3 kl: Book size: 560; Registration: 3(s)(2); Comments: KCY300f 3pp ZHR Cp Kydys Rnyyd, FC, Fwcyb HSHi 3fK ysswd. Spwsy Hpiki 3fK ysswd.;

5 sf: Book size: 1068; Registration: Yvnlsqvnva; Comments: BLA 5sd Hzusq Lsvznd Xndsx, LFV Usrzxdsdsq VYHY, VYHYNF, VL, NL, NAU, UL, Uzusq. YAHo H+150ro mdsm. Adzss Hmruo H+130ro mdsm +/-5ro. UEV+20ro. Lsddrs H+3.;