Citizens Financial Group, Inc. & Related Entities

Ratings

• Charter One Bank, NA

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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• Citizens Bank (sub. of Citizens Financial Group)

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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• Citizens Bank New Hampshire

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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• Citizens Bank of Connecticut

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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• Citizens Bank of Massachusetts

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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• Citizens Bank of Pennsylvania

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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• Citizens Bank of Rhode Island

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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• Citizens Bank, National Association

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US
  11-Oct-05	Deposit & Senior Debt	AA	Stb	New Rating	US
  11-Oct-05	Subordinated Debt	AA (low)	Stb	New Rating	US

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• Citizens Financial Group, Inc.

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  11-Oct-05	Issuer & Senior Debt	AA (low)	Stb	New Rating	US
  11-Oct-05	Short-Term Instruments	R-1 (middle)	Stb	New Rating	US

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