Company: CFG-PE
Filing Date: 2025-07-23
Form Type: 424B2
Source: 0001193125-25-163534
Chunk: 42

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-07-23
Form: 424B2
Chunk 42
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 affect one or more but not all series of voting preferred stock (including the Series I Preferred Stock for this purpose), then only the series affected and entitled to vote shall vote to the exclusion of all other series of preferred stock. If all series of preferred stock are not equally affected by the proposed amendment, alteration, repeal, share exchange, reclassification, merger or consolidation described above, there shall be required a two-thirdsapproval of each series that will have a diminished status. Without the consent of the holders of the Series I Preferred Stock, so long as such action does not adversely affect the rights, preferences, privileges and voting powers of the Series I Preferred Stock, we may amend, alter, supplement or repeal any terms of the Series I Preferred Stock:

| • |     | to cure any ambiguity, or to cure, correct or supplement any provision contained in the certificate of 
 designations for the Series I Preferred Stock that may be defective or inconsistent; or                |

| • |     | to make any provision with respect to matters or questions arising with respect to the Series I Preferred Stock                                                                      
 that is not inconsistent with the provisions of the certificate of designations, including, without limitation, to reflect any Adjustments following a Benchmark Substitution Event. |

The foregoing voting provisions will not apply if, at or prior to the time when the act with respect to which the vote would otherwise be required shall be effected, all outstanding shares of the Series I Preferred Stock have been redeemed or called for redemption on proper notice and sufficient funds have been set aside by us for the benefit of the holders of the Series I Preferred Stock to effect the redemption unless in the case of a vote or consent required to authorize senior stock if all outstanding shares of Series I Preferred Stock are being redeemed with the proceeds from the sale of the stock to be authorized. Under current provisions of the Delaware General Corporation Law, the holders of issued and outstanding preferred stock are entitled to vote as a class, with the consent of the majority of the class being required to approve an amendment to our amended and restated certificate of incorporation if the amendment would increase or decrease the aggregate number of authorized shares of such class or increase or decrease the par value of the shares of such class. No Preemptive and Conversion Rights Holders of the Series I Preferred Stock do not have any preemptive rights. The Series I Preferred Stock is not convertible into or exchangeable for property or shares of any other series or class of our capital stock. Additional Classes or Series of Stock We will have the right to create and issue additional