Issuer

Citizens Bank (sub. of Citizens Financial Group)

Banking Organizations

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Summary

With $164.2 billion in assets at September 30, 2007, Citizens Financial Group, Inc. (CFG) is one of the ten largest commercial banks measured by assets and deposits in the United States. CFG operates primarily through its two bank subsidiaries, RBS Citizens, N.A. and Citizens Bank of Pennsylvania. CFG provides retail and corporate banking activities through its 13-state footprint. Based in Providence, Rhode Island, CFG has 1,617 branches, 3,540 ATMs and 22,600 employees. CFG is a wholly owned subsidiary of The Royal Bank of Scotland Group plc, one of the world’s largest banks.

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