Company: CFG-PE
Filing Date: 2025-02-24
Form Type: 424B2
Source: 0001193125-25-032848
Chunk: 8

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-24
Form: 424B2
Chunk 8
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  basis points less 
 (b) interest accrued to the date of redemption; and                                                                                                                                                                                                                                                                                                         |

| • |     | 100% of the principal amount of the notes to be redeemed, |

| plus, in either case, accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. |

| In addition we may, at our option, redeem the notes (i) in whole but not in part on     , 20 (the                                                                                                                       
 date that is one year prior to the Maturity Date) or (ii) in whole or in part, at any time and from time to time, on or after     , 20 (the date that is days prior to the Maturity Date), in each case at a redemption 
 price equal to 100% of                                                                                                                                                                                                  |

S-4

| the aggregate principal amount of the notes being redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. |

| See “Description of the Notes—Optional Redemption of the Notes.” |

| Sinking Fund | There is no sinking fund for the notes. |

| Further Issuances | We may from time to time, without notice to or the consent of the registered holders of the notes, issue further notes ranking pari passu with the notes issued in this offering and with identical terms in all respects (or in all respects          
 except for the offering price, the payment of interest accruing prior to the issue date of such further notes or the first payment of interest following the issue date of such further notes) and provide that such further notes may be consolidated 
 and form a single series with the notes issued in this offering. Any further notes issued as part of a single series with the notes issued in this offering will have separate CUSIP and ISIN numbers unless such further notes are fungible with the  
 notes issued in this offering for tax and securities law purposes.                                                                                                                                                                                     |

| Use of Proceeds | The net proceeds to us from the sale of the notes, after deduction of the discount and estimated offering expenses payable by us, are anticipated to be approximately $    million. We intend to use the net proceeds from the 
 sale of the notes for general corporate purposes. See “Use of Proceeds.”                                                                                                                                                       |

| Trustee | The Bank of New York Mellon. |

| Governing Law | New York. |

| Form and