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Stephen Och
Private Client Financial Advisor
Citizens Securities, Inc
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Citizens Private Client is comprised of banking, insurance, brokerage, trust, and investment-related affiliated companies, including Citizens Bank, N.A. (for deposit products, Member FDIC), Clarfeld Financial Advisors, LLC, (a subsidiary of Citizens Bank, N.A.), and Estate Preservation Services, LLC, (a subsidiary of Clarfeld Financial Advisors, LLC) and Citizens Securities, Inc., (a subsidiary of Citizens Bank, N.A.), Member FINRA/SIPC. Mortgages are offered and originated by Citizens Bank, N.A.

Equal Housing Lender 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 Advisor. Read it carefully before you invest. *Securities, Insurance, Products and Investment Advisory Services offered through Citizens Securities, Inc. ("CSI") or by members of FINRA and SIPC that provide brokerage and custody services to clients of Clarfeld Financial Advisors, LLC (see Clarfeld Financial Advisors, LLC’s Form ADV for details). CSI is an SEC registered investment adviser and member of FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an affiliate of Citizens Bank, N.A. 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. 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 Advisor. Read it carefully before you invest. *Securities, Insurance, Products and Investment Advisory Services offered through Citizens Securities, Inc. ("CSI") or by members of FINRA and SIPC that provide brokerage and custody services to clients of Clarfeld Financial Advisors, LLC (see Clarfeld Financial Advisors, LLC’s Form ADV for details). CSI is an SEC registered investment adviser and member of FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an affiliate of Citizens Bank, N.A. 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. Clarfeld Citizens Private Wealth is a division of Citizens Bank, N.A. that offers bank products (deposit and credit), fiduciary (trust) services, insurance and investment advisory services. The bank products and fiduciary (trust) services are provided by Citizens Bank, N.A. Investment advisory services are offered through Clarfeld Financial Advisors, LLC, an SEC registered investment adviser. Insurance products are offered through Estate Preservation Services, LLC, a wholly owned subsidiary of Clarfeld Financial Advisors, LLC or an unrelated party. Clarfeld Financial Advisors, LLC and Estate Preservation Services, LLC are both affiliates of Citizens Bank, N.A., Member FDIC. Banking products are offered through Citizens. Citizens Bank is a brand name of Citizens Bank, N.A.. Deposit accounts held at Citizens Bank, N.A. are separately insured. Member FDIC. Securities, Insurance, Products and Investment Advisory Services offered through Citizens Securities, Inc. ("CSI") or by unaffiliated members of FINRA and SIPC that provide brokerage and custody services to clients of Clarfeld Financial Advisors, LLC (see Clarfeld Financial Advisors, LLC’s Form ADV for details). CSI is an SEC registered investment adviser and member of FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is a subsidiary of Citizens Bank, N.A. 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. This content is intended for informational purposes only and should not be construed as advice. Citizens Securities, Inc. does not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. The investment products and financial strategies suggested herein are subject to investment risk, including possible loss of principal amount invested. There can be no guarantee the suggested strategies or investments will lead to successful outcomes. Investment decisions should be based on each individual's goals, time horizon and tolerance for risk. 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 Advisor. Read it carefully before you invest. *Securities, Insurance, Products and Investment Advisory Services offered through Citizens Securities, Inc. ("CSI") or by members of FINRA and SIPC that provide brokerage and custody services to clients of Clarfeld Financial Advisors, LLC (see Clarfeld Financial Advisors, LLC’s Form ADV for details). CSI is an SEC registered investment adviser and member of FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an affiliate of Citizens Bank, N.A. 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, Insurance Products and Investment Advisory Services are:

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