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This document has been prepared by Citizens Financial Group, Inc. and its subsidiaries, including Citizens Bank, N.A., Citizens Capital Markets, Inc. and/or Citizens Securities, Inc. (collectively, “Citizens”), and is exclusively for the benefit and internal use of the client to whom it is directly addressed and delivered (“Client”) in order to assist the Client in evaluating, on a preliminary basis, the feasibility of a possible transaction. It has been prepared for discussion and information purposes only. The information contained in this document is confidential and proprietary to Citizens and should not be distributed, directly or indirectly, to any other party without the written consent of Citizens. The information in this presentation may be based upon management forecasts and reflects prevailing conditions and our views as of this date, all of which are subject to change without notice. In the preparation of this presentation Citizens has relied upon and assumed, without independent verification, the accuracy and completeness of information available from public sources or which was provided to us by or on behalf of the Client. We make no representation or warranty (express or implied) of any nature, nor do we accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this presentation. Changes to assumptions made in the preparation of this presentation may have a material impact on results. Citizens does not and shall not undertake a duty or responsibility to update these materials or to notify you when or whether the analysis has changed.
This presentation is not intended as an offer or the solicitation of an offer to buy or sell any securities as defined under U.S. securities laws. This presentation is not intended to, and does not, constitute a valuation of the Client, a fairness opinion or a recommendation to the Client as to how its board of directors or shareholders should vote or act with respect to any strategic alternatives or transactions, and are provided for informational purposes only.
IRS Circular 230 Disclosure: Neither Citizens, nor its subsidiaries and affiliates provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with Citizens of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.
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The Client may be referred by an employee of Citizens Bank, N.A. (“Citizens Bank”) to Citizens Securities, Inc. or to Citizens Capital Markets, Inc. which in turn may subsequently refer the Client to a securities broker-dealer registered under the Securities Exchange Act of 1934 so that the Client may receive securities products or transactional services (“Securities”) offered by such subsequent broker-dealer. The Securities may also be offered by Citizens Securities, Inc. or by Citizens Capital Markets, Inc. if the Client is not referred to a subsequent broker-dealer. The Client should be aware that: (1) the Securities are offered by and/or through such subsequent broker-dealers, and not Citizens Bank; (2) Citizens Securities, Inc. and Citizens Capital Markets, Inc. are affiliated with Citizens Bank, and Citizens Bank, Citizens Securities, Inc., Citizens Capital Markets, Inc. and such subsequent broker-dealers are each separate and distinct corporate entities; (3) the Securities are not bank deposits or other obligations of, or guaranteed by, Citizens Bank; (4) the Securities are not insured by the Federal Deposit Insurance Corporation or any other governmental agency; and, (5) the Securities may be subject to investment risks, including possible loss of the principal amount invested by the Client.
“Citizens Capital Markets” is a trade name under which corporate and investment banking products and services of Citizens Financial Group, Inc. and its subsidiaries are marketed. Securities are offered by Citizens Capital Markets, Inc. and its licensed securities representatives, who may also be employees of Citizens Bank.
Banking products and services are offered by Citizens Bank, N.A., Member FDIC. Citizens Bank and Citizens Commercial Banking are brand names of Citizens Bank, N.A.
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