Company: CFG-PE
Filing Date: 2025-07-22
Form Type: 424B2
Source: 0001193125-25-162273
Chunk: 40

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-07-22
Form: 424B2
Chunk 40
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 to acquire or maintain more than 5% of that series. Any other person (other than the bank holding company) will be required to obtain the non-objectionof the FRB under the Change in Bank Control Act of 1978, as amended, to acquire or maintain 10% or more of that series. Other Voting Rights So long as any shares of Series I Preferred Stock are outstanding, in addition to any other vote or consent of stockholders required by law or by our amended and restated certificate of incorporation, the vote or consent of the holders of at least two thirds of the shares of Series I Preferred Stock at the time outstanding, voting together as a single class with any other series of preferred stock entitled to vote thereon (to the exclusion of all other series of preferred stock), given in person or by proxy, either in writing without a meeting or by vote at any meeting called for the purpose, will be necessary for effecting or validating:

| • |     | Amendment of Certificate of Incorporation, By-laws or Certificate of                                                                                                                                                                  
 Designations. Any amendment, alteration or repeal of any provision of our certificate of incorporation, by-laws or the certificate of designations for the Series I Preferred Stock that would alter or                               
 change the voting powers, preferences or special rights of the Series I Preferred Stock so as to affect them adversely; provided, however, that the amendment of the certificate of incorporation so as to authorize or create, or to 
 increase the authorized amount of, any class or series of stock that does not rank senior to the Series I Preferred Stock in either the payment of dividends (whether such dividends are cumulative or                                
 non-cumulative) or in the distribution of assets on any liquidation, dissolution or winding up of the Company shall not be deemed to affect adversely the voting powers, preferences or special rights of the                         
 Series I Preferred Stock;                                                                                                                                                                                                             |

S-23

| • |     | Authorization of Senior Stock. Any amendment or alteration of the certificate of incorporation to                                                                                                                                                        
 authorize or create, or increase the authorized amount of, any shares of any class or series or any securities convertible into shares of any class or series of our capital stock ranking prior to Series I Preferred Stock in the payment of dividends 
 or in the distribution of assets on any liquidation, dissolution or winding up of the Company; or                                                                                                                                                        |

| • |     | Share Exchanges, Reclassifications, Mergers and Consolidations and Other Transactions. Any consummation of                                                                                                                                                
 (x)