Company: CFG-PE
Filing Date: 2025-02-24
Form Type: 424B2
Source: 0001193125-25-032848
Chunk: 91

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-24
Form: 424B2
Chunk 91
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, shares of preferred stock, depositary shares, shares of common stock or any combination of such securities. The terms of any units to be issued will be set forth in the applicable prospectus supplement.

16

PLAN OF DISTRIBUTION (CONFLICTS OF INTEREST) We and/or the selling security holders, if applicable, may sell the securities in one or more of the following ways (or in any combination) from time to time:

| • |     | through underwriters or dealers; |

| • |     | directly to a limited number of purchasers or to a single purchaser; or |

| • |     | through agents. |

The prospectus supplement will state the terms of the offering of the securities, including:

| • |     | the name or names of any underwriters, dealers or agents; |

| • |     | the purchase price of such securities and the proceeds to be received by us, if any; |

| • |     | any underwriting discounts or agency fees and other items constituting underwriters’ or agents’ 
 compensation;                                                                                   |

| • |     | any public offering price; |

| • |     | any discounts or concessions allowed or reallowed or paid to dealers; and |

| • |     | any securities exchanges on which the securities may be listed. |

Any public offering price and any discounts or concessions allowed or reallowed or paid to dealers may be changed from time to time. In addition, to the extent this prospectus is used by any selling security holder to resell common stock or other securities, information with respect to the selling security holder will be contained in a prospectus supplement to this prospectus, in a post-effective amendment or in filings we make with the SEC under the Exchange Act that are incorporated by reference. If we and/or the selling security holders, if applicable, use underwriters in the sale, the securities will be acquired by the underwriters for their own account and may be resold from time to time in one or more transactions, including:

| • |     | negotiated transactions; |

| • |     | at a fixed public offering price or prices, which may be changed; |

| • |     | at market prices prevailing at the time of sale; |

| • |     | at prices related to prevailing market prices; or |

| • |     | at negotiated prices. |

Unless otherwise stated in a prospectus supplement, the obligations of the underwriters to purchase any securities will be conditioned on customary closing conditions and the underwriters will be obligated