Company: CFG-PE
Filing Date: 2025-02-25
Form Type: 424B2
Source: 0001193125-25-035197
Chunk: 6

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-25
Form: 424B2
Chunk 6
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 structurally senior to the notes.                                                          |

| Repurchase at Option of Holders | The notes will not be subject to repayment at the option of the holders at any time prior to maturity. |

| • |     | 100% of the principal amount of the notes to be redeemed, |

| plus, in either case, accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. |

S-4

| Maturity Date), in each case at a redemption price equal to 100% of the aggregate principal amount of the notes being redeemed, plus accrued and unpaid interest thereon, if any, to, but 
 excluding, the redemption date.                                                                                                                                                           |

| See “Description of the Notes—Optional Redemption of the Notes.” |

| Sinking Fund | There is no sinking fund for the notes. |

| Further Issuances | We may from time to time, without notice to or the consent of the registered holders of the notes, issue further notes ranking pari passu with the notes issued in this offering and with identical terms in all respects (or in all respects          
 except for the offering price, the payment of interest accruing prior to the issue date of such further notes or the first payment of interest following the issue date of such further notes) and provide that such further notes may be consolidated 
 and form a single series with the notes issued in this offering. Any further notes issued as part of a single series with the notes issued in this offering will have separate CUSIP and ISIN numbers unless such further notes are fungible with the  
 notes issued in this offering for tax and securities law purposes.                                                                                                                                                                                     |

| Use of Proceeds | The net proceeds to us from the sale of the notes, after deduction of the discount and estimated offering expenses payable by us, are anticipated to be approximately $746 million. We intend to use the net proceeds from the sale of the notes for 
 general corporate purposes. See “Use of Proceeds.”                                                                                                                                                                                                   |

| Trustee | The Bank of New York Mellon. |

| Governing Law | New York. |

| Form and Denomination | The notes will be issued in registered form in a minimum denomination of $2,000 and authorized denominations of any integral multiples of $1,000 in excess thereof. The notes will be evidenced by one or more global securities deposited with or on 
 behalf of DTC and registered in the name of Cede & Co. as DTC’s nominee.                                                                                                                                                                              |

| No Listing |