Company: CFG-PE
Filing Date: 2025-03-10
Form Type: DEF 14A
Source: 0000759944-25-000044
Chunk: 23

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-03-10
Form: DEF 14A
Chunk 23
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| President, Property and Casualty Companies and member of the Executive Leadership Team, The Hanover Insurance Group, Inc.           |
| 1998 to 2004                                                                                                                        |
| President and Chief Executive Officer, Commercial Lines for The St. Paul Travelers Companies                                        |
| Prior to 1998                                                                                                                       |
| Served in underwriting and field management positions with United States Fidelity and Guaranty Company, and Aetna Life and Casualty |

Further Information Ms. Zuraitis serves as a member of the board of trustees for the American Institute for Chartered Property and Casualty Underwriters, and has served on its executive and compensation committees since 2009. She is a member of the board of directors

of CopperPoint (since 2021), a mutual insurance holding company. She also serves on the board of directors of our primary subsidiary CBNA. Ms. Zuraitis is a past chair of the board of trustees for NCCI Holdings, Inc., a provider of workers’ compensation data analytics and a past member of the board of Worcester Academy in Worcester, Massachusetts. Ms. Zuraitis received a bachelor's degree from Fairfield University. Relevant Skills and Experience

| Executive Leadership                   |     | Risk Management        |
| Financial Reporting & Capital Planning |     | Mergers & Acquisitions |

Ms. Zuraitis is a seasoned executive with 40 years experience in the insurance industry including serving as Chief Executive Officer of Horace Mann Educators Corporation. She has expertise in risk management, financial reporting and capital planning, and mergers and acquisitions . Ms. Zuraitis also has experience serving on the boards of other companies and academic institutions .

#### Director Independence
Our Board utilizes the Securities and Exchange Commission (“SEC”) and New York Stock Exchange (“NYSE”) criteria to determine director independence. Under the NYSE rules, the Board also broadly considers all other relevant facts and circumstances that bear on the materiality of each director’s relationship with the Company, including the potential for conflicts of interest. In addition, the Board considers whether the Company or one of its subsidiaries has a lending relationship, deposit relationship, or other banking or commercial relationship with a director, an immediate family member, or an entity with which the director or a family member is affiliated by reason of being a director, an officer or a significant shareholder thereof. Any such relationship must meet the following criteria: (i) it must be in the ordinary course of business and on substantially the same terms as those prevailing at the time for comparable transactions with