Company: CFG-PE
Filing Date: 2025-02-24
Form Type: 424B2
Source: 0001193125-25-032848
Chunk: 45

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-24
Form: 424B2
Chunk 45
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 of 1934 (the “Exchange Act”) or pursuant to Section 314 of the Trust Indenture Act of 1939; providedthat any document publicly available on the SEC’s Electronic Data Gathering, Analysis and Retrieval system shall satisfy the requirements hereof if we provide the Trustee with written notice when any such document is filed. Events of Default; Defaults; Notice and Waiver An “Event of Default” with respect to the notes will be defined in the Indenture as being:

| (i) | failure to pay principal of or premium, if any, on the notes at maturity, continued for 30 days; |

| (ii) | failure to pay any interest, if any, on the notes when due and payable, continued for 30 days; |

| (iii) | certain events in bankruptcy, receivership or insolvency involving CFG. |

No other defaults under or breaches of the Indenture or the notes will result in an Event of Default, whether after notice, the passage of time or otherwise and therefore none of such other events (even if constituting a Default, as defined below) will result in a right of acceleration of the payment of the outstanding principal of the notes. However, certain events may give rise to a Default. A “Default” under the Indenture, and with respect to the notes, includes (i) any Event of Default and (ii) any default in the performance, or breach, of any covenant or warranty of CFG in the Indenture or the notes and continuance of such default or breach for a period of 90 days after there has been given to CFG by the Trustee or to CFG and the Trustee by holders of at least 25% in principal amount of the notes in a written notice specifying such default or breach and requiring it to be remedied and stating that such notice is a “Notice of Covenant Breach.” If an Event of Default with respect to the notes occurs and is continuing, either the Trustee by written notice to us or the holders of at least 25% of the aggregate principal amount of the outstanding notes by written notice to us (with a copy to the Trustee) may declare the principal of all the notes and accrued and unpaid interest, if any, thereon, to be due and payable immediately. Notwithstanding the foregoing, if an Event of Default with respect to the notes occurs as a result of bankruptcy, receivership, insolvency or reorganization involving CFG, the principal of all outstanding notes and any