Company: CFG-PE
Filing Date: 2025-02-24
Form Type: 424B2
Source: 0001193125-25-032848
Chunk: 42

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-24
Form: 424B2
Chunk 42
---
 materially adversely affect the interests of any holder of the notes;                 |

| (e) | to change anything that does not does not materially adversely affect the interests of any holder of the notes; |

| (f) | to cure, correct or supplement any ambiguity, defect or inconsistency in the Indenture; |

| (g) | to conform the terms of the notes or the Indenture with the description set forth in this prospectus 
 supplement;                                                                                          |

| (h) | to effect certain other limited purposes described in the Indenture; and |

| (i) | to reflect the occurrence of a Benchmark Transition Event, the selection of a Benchmark Replacement or any 
 Benchmark Replacement Conforming Changes that have been made.                                              |

The Indenture provides that we and the Trustee may modify or amend the Indenture with the consent of the holders of not less than a majority in principal amount of the outstanding notes, providedthat any modification or amendment may not, without the consent of the holder of each outstanding note affected thereby:

| (a) | change the stated maturity of the principal of, or any installment of principal of or interest on, any note; |

| (b) | reduce the principal amount of, or rate or amount of interest, if any, on, or any premium payable upon the 
 redemption, of any note;                                                                                   |

| (c) | reduce the amount of principal of any discount security that would be due and payable upon a declaration of 
 acceleration of the maturity thereof, or the amount provable in bankruptcy;                                 |

| (d) | adversely affect any right of repayment at the option of any holder of any note; |

| (e) | change the place or currency of payment of principal of, or any premium or interest on, any note; |

| (f) | impair the right to institute suit for the enforcement of any payment on or with respect to any note on or                                                     
 after the stated maturity thereof (or, in the case of redemption or repayment at the option of the holder, on or after the redemption date or repayment date); |

| (g) | reduce the percentage of principal amount of outstanding notes of any series, the consent of whose holders is                                                                              
 required for modification or amendment of the Indenture, or for waiver of compliance with certain provisions of the Indenture or for waiver of certain defaults and their consequences; or |

S-29

| (h) | modify certain provisions of the Indenture relating to