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Our Private Client Relationship ManagersIn FORT LAUDERDALE, FL

Ricardo Ramirez
Private Client Relationship Manager
Citizens Private Client
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Citizens Securities, Inc. Business Continuity Plan
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¹ Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the U.S., which it authorizes use of, by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. ²CitizensPlus™ 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.

© 2023 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products Member FDIC.

All investing involves risk, including the risk of loss of principal. Investment risk exists with equity, fixed income, and other marketable securities. There is no assurance that any investment will meet its performance objectives or that losses will be avoided. 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. is a member of FINRA and SIPC Powered by Yext for Citizens. Please be aware that the securities products offered are different from those offered by a bank and are subject to investment risk, including possible loss of principal amount invested.

Securities, Investments and Insurance Products are subject to risk, including principal amount invested, and are:

NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE

Mortgages are offered and originated by Citizens Bank, N.A. NMLS ID# 433960. Equal Housing Lender.

All accounts, loans and services are subject to individual approval.