Wealth Management Investing in your life. Banking. Investing. Retirement. Lending.

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1 Wealth Management Investing in your life. Banking. Investing. Retirement. Lending.

2 Welcome to the place where banking and investing meet. The place where wealth management goes beyond stocks, bonds and mutual funds and includes checking accounts, savings and your mortgage. It s a place we call Life Investment. Because this place isn t all about money. At least it isn t to us. It s more personal than that. Please be aware that the products offered by Citizens Investment Services/Charter One Investment Services are different than those offered by the bank in that they are not FDIC insured, not a deposit or obligation of or guaranteed by Citizens Bank/Charter One and are subject to investment risks, including possible loss of principal amount invested.

3 We look beyond the graphs and the charts to see what you re really investing in.

4 College. Your home.

5 Golden years. Even savings.

6 You re investing in your life. Wealth management goes above pie charts, line graphs and fancy spreadsheets. It goes beyond money. Investing can help make your life as rewarding as ever. Your today, your tomorrow. It s why we believe in knowing you, your family and your dreams. Because the more we know, the more we can help you prosper. To us, achieving prosperity means looking beyond numbers and figures, and seeing what really matters a better life for you and your family.

7 One place to go. One team to talk to. One unified approach. Assisting you in achieving your life s dreams means providing you with the expertise and advice you need to help protect your money and support its growth. It s why we offer an experienced team of investing and banking specialists who get to know and work closely with you. They re here to deliver a personalized strategy that s right for you...and only you. This is Life Investment. Plus, we give you an advantage stand-alone brokerage firms may not. Not only do we offer the same range of investment products and services they do, but because we re your bank, we re able to give you access to all of our banking products and services. We look at your money the way you look at your money. We take a truly holistic approach to looking at your money. We don t limit ourselves to just your investment accounts when we look at your financial picture. Instead, we see the entire financial picture, one that includes your everyday bank accounts, CDs and loans. We look at your money the same way you do, in total. Please be aware that the products offered by Citizens Investment Services/Charter One Investment Services are different than those offered by the bank in that they are not FDIC insured, not a deposit or obligation of or guaranteed by Citizens Bank/Charter One and are subject to investment risks, including possible loss of principal amount invested.

8 We re around. Our colleagues are always there to talk with you about your money. They re flexible, so you can have a conversation with them in a branch or anywhere else you d like. And no matter how the market is doing, they ll be there to help guide you through it. Offering exceptional attention to thousandaires and sophisticated expertise to millionaires. And whichever you might be, at Citizens Bank/Charter One we treat you the way we would want to be treated like a person. We re in the same community. In your neighborhood. Just down the block.

9 Citizens Wealth Management Services How does Life Investment fit your life? Citizens Investment Services/ Charter One Investment Services: Our Financial Consultants can help you with all your financial planning needs. We work with the major investment companies and insurance providers you ve likely already heard of, so you can access the investments you may need to meet your life s goals. And we re available to meet with you face-to-face. Citizens Premier Banking: Our Premier Bankers can take care of all your banking and investing needs. You ll have one point of contact who will work with our financial consultants and lending officers providing you with a team approach. So not only do you get all the expertise you need, but also the personalized attention you deserve, 24 hours a day. Citizens Private Bank & Trust/ Charter One Private Bank & Trust: Citizens Private Bank & Trust can be your trusted partner in managing your wealth. We have the global resources to deliver local, sophisticated wealth management strategies to help you achieve your goals and the goals of your business. Our services include: Complete Banking Services, Investment Management, Estate Planning, Personal Trusts, Retirement Planning Services, Custody or Escrow Services and Not-for-Profit Services.

10 Money doesn t mean much if it s just a bunch of numbers on a page. Tell us about yourself. Tell us your life story. Tell us your hopes and dreams. Tell us to help you make them happen. We invest in life. Your life.

11 Mutual Funds, Variable Annuities and Unit Investment Trusts are sold by prospectus. Please consider the investment objectives,risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your Financial Consultant. Read it carefully before you invest. Notes: One should consider the potential costs and fees associated with rolling over a 401(k) to Citizens Investment Services in addition to any features or benefits one may lose as a result of this action. Citizens Investment Services does not provide tax or legal advice. Please consult with a tax or legal advisor regarding your individual circumstances before making any decisions. Variable Annuities should only be purchased in a retirement or qualified plan if you value some of the other features of the annuity and if you are willing to incur any additional costs associated with the annuity to receive such benefits. Investing in a tax advantaged retirement plan will provide no additional tax benefits from the Variable Annuity. One should consider the investment objectives, risks, charges and expenses carefully before investing in municipal fund securities. More information about municipal fund securities is available in the issuer s official statement. The official statement should be read carefully before investing. Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC. 770 Legacy Place, MLP240, Dedham, MA CCO Investment Services Corp. Is an affiliate of RBS Citizens, N.A. and Citizens Bank of Pennsylvania.Securities and Insurance Products are: NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 2012 Citizens Financial Group. All rights reserved BK.CIS/COIS

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13 Wealth Management Citizens Bank Charter One RBS Citizens