Company: CFG-PE
Filing Date: 2025-02-24
Form Type: 424B2
Source: 0001193125-25-032848
Chunk: 57

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-24
Form: 424B2
Chunk 57
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 have been held for more than one year. Long-term capital gains recognized by non-corporatetaxpayers are subject to preferential tax rates. The deductibility of capital losses is subject to limitations. Tax Consequences to Non-U.S.Holders This section applies to you if you are a Non-U.S.Holder. You are a Non-U.S.Holder if for U.S. federal income tax purposes you are a beneficial owner of notes and are:

| • |     | a nonresident alien individual; |

| • |     | a foreign corporation; or |

| • |     | an estate or trust that in either case is not subject to U.S. federal income tax on a net income basis on income 
 or gain from a note.                                                                                             |

If you are U.S. Holder, this subsection does not apply to you. Payments on the Notes Subject to the discussion below under “Backup Withholding and Information Reporting” and “FATCA Withholding,” interest on the notes that is not effectively connected with your conduct of a trade or business in the United States will generally be exempt from U.S. federal income and withholding tax under the “portfolio interest exemption,” providedthat:

| • |     | you do not own, actually or constructively, 10% or more of the total combined voting power of all classes of our 
 stock entitled to vote;                                                                                          |

| • |     | you are not a controlled foreign corporation related to us, actually or constructively; and |

| • |     | either (a) you submit to the applicable withholding agent a properly executed IRS Form W-8BEN or W-8BEN-E (or other applicable form), that includes your name and address and upon which you certify, under penalties of                                                                                                                             
 perjury, your non-U.S. status in compliance with applicable law and regulations, or (b) a securities clearing organization, bank or other financial institution that holds customers’ securities in the                                                                                                                                              
 ordinary course of its trade or business provides a statement to the applicable withholding agent under penalties of perjury on which it certifies that an applicable IRS Form W-8BEN or W-8BEN-E (or other applicable form) has been received by it from you or a qualifying intermediary and furnishes a copy to the applicable withholding agent. |

S-40

This certification requirement may be satisfied with other documentary evidence in the case of a note held in an offshore account or through certain foreign intermediaries. The applicable withholding agent for purposes of