Company: CFG-PE
Filing Date: 2025-02-25
Form Type: 424B2
Source: 0001193125-25-035197
Chunk: 24

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-25
Form: 424B2
Chunk 24
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 New York law as the same may be modified by United States law of general application and will in no event be lower than zero. Interest will be computed on the
basis of actual number of days in each interest period (or any other relevant period) and a 360-day year.

The term “Floating Rate Interest Payment Date” means the second Business Day following each Floating Rate Interest Payment Period End-Date (as defined below); provided that the Floating Rate Interest Payment Date with respect to the final Floating Rate Interest Payment Period (as defined below) will be the Maturity Date or, if the notes
are redeemed during the Floating Rate Period, the redemption date (each Floating Rate Interest Payment Date and each Fixed Rate Interest Payment Date, an “Interest Payment Date”). On each Floating Rate Interest Payment Date, accrued
interest will be paid for the most recently completed Floating Rate Interest Payment Period.

“Floating Rate Interest Payment
Periods” mean the quarterly periods used to calculate interest on the notes during the Floating Rate Period, which is paid on the Floating Rate Interest Payment Dates. With respect to a Floating Rate Interest Payment Date, interest is
calculated from and including the second most recent Floating Rate Interest Payment Period End-Date (or from and including March 5, 2030 in the case of the first Floating Rate Interest Payment Period) to but
excluding the immediately preceding Floating Rate Interest Payment Period End-Date; provided that (i) the Floating Rate Interest Payment Period with respect to the final Floating Rate Interest
Payment Date (i.e., the Maturity Date or, if the notes are redeemed during the Floating Rate Period, the redemption date) will be the period from and including the
second-to-last Floating Rate Interest Payment Period End-Date to but excluding the Maturity Date or, if the notes are redeemed
during the Floating Rate Period, the redemption date, as applicable, and (ii) with respect to such final Floating Rate Interest Payment Period, the level of SOFR for each calendar day in the period from and including the Rate Cut-Off Date (as defined below) to, but excluding, the Maturity Date or, if the notes are redeemed during the Floating Rate Period, the redemption date shall be the level of SOFR in respect of such Rate Cut-Off Date.

The “Floating Rate Interest Payment Period
End-Dates” mean March 5, June 5, September 5 and December 5 in each year, beginning on June 5, 2030 and ending on the Maturity Date or