Company: CFG-PE
Filing Date: 2025-02-25
Form Type: 424B2
Source: 0001193125-25-035197
Chunk: 61

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-25
Form: 424B2
Chunk 61
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 any applicable Similar Laws.

Due to the complexity of these rules and the penalties that may be imposed upon
persons involved in non-exempt “prohibited transactions”, it is particularly important that fiduciaries or other persons considering

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purchasing the notes on behalf of or with assets of any Plan or Non-ERISA Arrangement consult with their counsel regarding the relevant provisions of
ERISA, the Code or any Similar Laws and the availability of exemptive relief under any statutory or class exemptions (as described above) or the potential consequences of any purchase or holding under any Similar Laws, as applicable. Each fiduciary
of a Plan or Non-ERISA Arrangement that purchases and holds the notes has exclusive responsibility for ensuring that such purchase, holding and subsequent disposition of the notes does not violate the
fiduciary or “prohibited transaction” rules of ERISA and/or the Code or give rise to a violation of any applicable Similar Laws. Neither Citizens, the underwriters nor any of their affiliates are undertaking to provide any advice or
recommendation, including, without limitation, in a fiduciary capacity, in connection with the acquisition or holding of the notes. The sale of any notes to any Plan or Non-ERISA Arrangement is in no respect a
representation by us, the underwriters or any of our respective affiliates or representatives that such an investment meets all relevant legal requirements with respect to investments by Plans or Non-ERISA
Arrangements generally or any particular Plan or Non-ERISA Arrangement, or that such an investment is appropriate for Plans or Non-ERISA Arrangements generally or any
particular Plan or Non-ERISA Arrangement.

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UNDERWRITING (CONFLICTS OF INTEREST) Citigroup Global Markets Inc., Goldman Sachs & Co. LLC, J.P. Morgan Securities LLC, Morgan Stanley & Co. LLC and Citizens JMP Securities, LLC are acting as representatives of the underwriters named below. Subject to the terms and conditions set forth in a firm commitment underwriting agreement between us and each of the underwriters, we have agreed to sell to the underwriters, and the underwriters have agreed, severally and not jointly, to purchase from us, the principal amount of notes set forth its name below.

| Underwriter                   |     | Principal       
 Amount of Notes |             |
|:------------------------------|:----|:----------------|------------:|
| Citigroup Global Markets Inc. |     | $               | 135,000