Attendees should confirm that their attendance and acceptance of food, beverage and other amenities to be provided and paid for by Citizens are not prohibited by applicable laws and regulations, or by any applicable codes of conduct or ethics maintained by their organization. Upon request, Citizens will provide any attendee a good faith estimate of the value of the event and related amenities for any attendees who may need to seek pre-approval of such amounts from their organization. Please reach out to the contact listed on the event invite to request such information.

Advisory services may include discussion or information regarding tax planning; however, advice given is not intended to and does not constitute tax advice of any kind. Always consult an attorney or tax professional regarding your specific legal or tax situation.

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.

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