¹University of Miami Mortgage Offer Disclosure:

All loans are subject to credit approval, verification, and applicable program guidelines. Terms, conditions, and restrictions apply. This is not a commitment to lend. Loan programs, terms, and conditions are subject to change without notice and may vary by product type. The University of Miami Mortgage Promotional Offer is available to qualified University of Miami alumni, students, and faculty members applying for a residential mortgage loan secured by a property located in Florida and meeting applicable first-lien mortgage program requirements.

Applications must be submitted between January 1, 2026 and December 31, 2026 by 11:59 p.m. ET. Eligible borrowers may receive a $1,590 credit toward eligible mortgage closing costs, applied at loan funding. This credit represents a waiver of the standard underwritting fee ($595) and processing fee ($995). The credit has no cash value, may not be substituted, and is limited to one mortgage transaction per borrower. Proof of University of Miami affiliation is required prior to final loan approval. This offer may not be combined with other mortgage promotions, and CNB employees are not eligible including contractors, temporary workers, directors, and members of their immediate households.
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This offer may not be combined with other mortgage promotions, and CNB employees are not eligible including contractors, temporary workers, directors, and members of their immediate households.
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Loan amounts exceeding the fair market value of the property may not be tax deductible. Promotional credits may have tax implications and will reduce borrower-paid eligible closing costs; promotional credits will not result in cash to the borrower. 100% financing may not include all costs required to close the loan.
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Borrowers should consult a tax advisor regarding their individual circumstances. City National Bank of Florida does not provide tax, legal, or accounting advice. City National Bank of Florida reserves
the right to modify, suspend, or terminate this promotional offer at any time without prior notice however, applications submitted and acknowledged prior to termination will continue to be processed
under the promotional terms, subject to eligibility and credit approval.

² University of Miami Personal Loans Disclosure:
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All loans are subject to credit approval, verification, and applicable program guidelines. This is not a commitment to lend. Loan programs, rates, and conditions are subject to change without notice. This
disclosure is current as of March 03, 2026.
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University of Miami Housing Assistance personal loans are available exclusively to qualified University of Miami faculty, staff, alumni, and students for personal, non-business purposes. Proof of University of Miami affiliation is required. Eligibility and documentation requirements apply and are applied consistently to all applicants.
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To receive loan funds, you must open and maintain an eligible City National Bank of Florida deposit account. Account opening is subject to separate approval and terms, including applicable fees.
Interest rates are fixed Annual Percentage Rates (APR) determined at the time of loan origination based on the Prime Rate plus an applicable margin. Your APR will not change after your loan is originated.
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City National Bank of Florida does not provide tax, legal, or accounting advice. Borrowers should consult their own professional advisors regarding their individual circumstances. Interest on personal
loans is typically not tax-deductible.

Loans are repaid in equal monthly installments of principal and interest over the applicable loan term. No balloon payment is required. Actual payment amount will vary based on loan amount and interest rate.

³University of Miami Wealth Offer Disclosure:
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Wealth management services are provided by City National Bank of Florida and are subject to account approval, suitability review, and execution of applicable advisoryagreements. Terms and conditions apply and are subject to change without notice. The University of Miami (UM) Wealth Management Preferred Pricing Program is available exclusively to qualified University of Miami faculty, staff, and alumni who establish an advisory relationship with City National Bank of Florida. Preferred pricing applies only to assets under management with City National Bank of Florida and is not guaranteed.
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Preferred pricing may not be combined with other promotional, negotiated, or discretionary pricing unless approved. City National Bank of Florida reserves the right to modify or discontinue this program at any time.
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Investment products are not insured by the FDIC or by any federal government agency. They are not a deposit or other obligation of, or guaranteed by, City National Bank of Florida or any of its affiliates. They are subject to investment risks, including possible loss of the principal amount invested. CNB does not provide tax or legal advice. Clients should consult their own professional advisors regarding their individual circumstances.

⁴Doctors Program Disclosure:
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All mortgage loans are subject to credit approval, verification, and applicable program guidelines. Terms and conditions apply. This is not a commitment to lend. Loan programs, rates, and conditions
are subject to change without notice. Current as of March 03, 2026.
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City National Bank of Florida’s Medical Professionals Mortgage Program is available to qualified, licensed medical professionals as defined by program guidelines and is subject to verification of
professional credentials, property eligibility, occupancy requirements, and underwriting criteria. Eligibility is applied consistently and without regard to any protected characteristic in accordance
with fair lending laws.
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Program features—including loan to value options, mortgage insurance requirements, and underwriting considerations—are not guaranteed and may vary based on individual borrower
qualifications, loan structure, and credit profile. Representative program ranges and criteria are available upon request.
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Certain underwriting flexibilities, such as consideration of deferred student loan obligations or limited time out of residency, may be available in accordance with program guidelines and are subject to
credit approval. Availability of these flexibilities is not guaranteed and may depend on additional documentation or compensating factors.
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Interest on any portion of a loan exceeding the property’s fair market value may not be tax deductible. Mortgage interest deductibility is subject to complex IRS rules and may depend on theuse of loan proceeds. Borrowers should consult a qualified tax advisor regarding the deductibility of mortgage interest.
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City National Bank of Florida does not provide tax, legal, or accounting advice. Clients should consult their own professional advisors regarding their individual circumstances. Tax treatment of
advisory fees and investment income may vary based on individual circumstances.

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