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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Listed below are Citizens Webinars for January & February! Please feel free to share within your offices for development opportunities.<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Click
<a href="https://nam11.safelinks.protection.outlook.com/?url=http%3A%2F%2Falasfaa.memberclicks.net%2Fmessage2%2Flink%2F1402beea-11c9-468c-9914-0e23b80213bf%2F1&data=05%7C01%7CMarieMichelle.Enriquez%40citizensbank.com%7Cac46361597ed458eb9d308daf3541519%7Cc9797bcf80714c759ff05e2c6d7f5d4d%7C0%7C0%7C638089839707102902%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=57Wvg93b%2ByO2S%2BE5v%2Bk1YSuLgRMEDBZY0vfFK1UCPZg%3D&reserved=0">
HERE</a> to register!<o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><b><span style="font-size:15.0pt;color:white">Date</span></b><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:15.0pt;color:white">Day</span></b><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:15.0pt;color:white">Time</span></b><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:15.0pt;color:white">Session</span></b><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black">18-Jan</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Wednesday</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">2pm EST</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Lender List Best Practices</span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black">25-Jan</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Wednesday</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">2pm EST</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Student Loan Update for 2023</span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black">1-Feb</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Wednesday</span><o:p></o:p></p>
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<td width="60" nowrap="" valign="bottom" style="width:45.1pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;background:#F2DCDB;padding:.75pt 5.4pt .75pt 5.4pt;height:15.0pt">
<p class="MsoNormal"><span style="color:black">2pm EST</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Developing Focus</span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black">8-Feb</span><o:p></o:p></p>
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<td width="85" nowrap="" valign="bottom" style="width:63.55pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;background:#F2DCDB;padding:.75pt 5.4pt .75pt 5.4pt;height:15.0pt">
<p class="MsoNormal"><span style="color:black">Wednesday</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">2pm EST</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Guide for New Financial Aid Professionals</span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black">15-Feb</span><o:p></o:p></p>
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<td width="85" nowrap="" valign="bottom" style="width:63.55pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;background:#F2DCDB;padding:.75pt 5.4pt .75pt 5.4pt;height:15.0pt">
<p class="MsoNormal"><span style="color:black">Wednesday</span><o:p></o:p></p>
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<td width="60" nowrap="" valign="bottom" style="width:45.1pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;background:#F2DCDB;padding:.75pt 5.4pt .75pt 5.4pt;height:15.0pt">
<p class="MsoNormal"><span style="color:black">2pm EST</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Understanding Credit and Private Student Loan Underwriting</span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="color:black">22-Feb</span><o:p></o:p></p>
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<td width="85" nowrap="" valign="bottom" style="width:63.55pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;background:#F2DCDB;padding:.75pt 5.4pt .75pt 5.4pt;height:15.0pt">
<p class="MsoNormal"><span style="color:black">Wednesday</span><o:p></o:p></p>
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<td width="60" nowrap="" valign="bottom" style="width:45.1pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;background:#F2DCDB;padding:.75pt 5.4pt .75pt 5.4pt;height:15.0pt">
<p class="MsoNormal"><span style="color:black">2pm EST</span><o:p></o:p></p>
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<td width="392" nowrap="" valign="bottom" style="width:293.65pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;background:#F2DCDB;padding:.75pt 5.4pt .75pt 5.4pt;height:15.0pt">
<p class="MsoNormal"><span style="color:black">Customer Service</span><o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:black;background:white">Kind Regards, </span>
<o:p></o:p></p>
<p class="MsoNormal"><span style="color:black">Michelle Enriquez <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">VP, Relationship Manager<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#008555">Citizens™<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">Direct – 512-514-5423 <o:p></o:p></span></p>
<p class="MsoNormal"><a href="mailto:mariemichelle.enriquez@citizensbank.com">mariemichelle.enriquez@citizensbank.com</a><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Flinkprotect.cudasvc.com%2Furl%3Fa%3Dhttps%253a%252f%252fCitizensbank.com%26c%3DE%2C1%2CvjFyHzLbCBSDVJ-2E7Ih_1QzEqyRDeUd0kR0w_-AB-XlT6ZSzmDf0OwL5DvlRi06yzCdrnpi32UobxfrTL-9JwwOGZzDugoiUCDXE-guz09vOvnc%26typo%3D1%26ancr_add%3D1&data=05%7C01%7CMarieMichelle.Enriquez%40citizensbank.com%7Cac46361597ed458eb9d308daf3541519%7Cc9797bcf80714c759ff05e2c6d7f5d4d%7C0%7C0%7C638089839707102902%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=vD%2BOo5CFtasK8ucEM6zL6qA%2FKoPY3nz4u4VkCAlct%2BE%3D&reserved=0">Citizensbank.com</a><o:p></o:p></p>
<p class="MsoNormal"><b><span style="color:navy">Ready to boost your college fund? Win up to $15,000 with Citizens Scholarship for undergrad and grad students.
</span></b><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.citizensbank.com%2Fscholarship&data=05%7C01%7CMarieMichelle.Enriquez%40citizensbank.com%7Cac46361597ed458eb9d308daf3541519%7Cc9797bcf80714c759ff05e2c6d7f5d4d%7C0%7C0%7C638089839707102902%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=z%2FvWqJAn6%2FiAPjkQrHdDj%2FzNQcfs4IiXXdLhdh16BKk%3D&reserved=0"><b><span style="color:#00B050">Learn More</span></b></a><b><span style="color:#00B050">
<o:p></o:p></span></b></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<br><br><p style="font-family: Verdana; font-size:10pt; color:#666666;"><b>Disclaimer</b></p><p style="font-family: Verdana; font-size:8pt; color:#666666;">The information contained in this communication from the sender is confidential. It is intended solely for use by the recipient and others authorized to receive it. If you are not the recipient, you are hereby notified that any disclosure, copying, distribution or taking action in relation of the contents of this information is strictly prohibited and may be unlawful.</p></body></html>