<SEC-DOCUMENT>0001193125-21-038425.txt : 20210211
<SEC-HEADER>0001193125-21-038425.hdr.sgml : 20210211
<ACCEPTANCE-DATETIME>20210211160915
ACCESSION NUMBER:		0001193125-21-038425
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		24
CONFORMED PERIOD OF REPORT:	20210211
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210211
DATE AS OF CHANGE:		20210211

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL GROUP INC/RI
		CENTRAL INDEX KEY:			0000759944
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				050412693
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36636
		FILM NUMBER:		21619720

	BUSINESS ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
		BUSINESS PHONE:		4014567000

	MAIL ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d122408d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:us-types="http://fasb.org/us-types/2019-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:cfg="http://imetrix.edgar-online.com/20210211" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body>
 <div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric id="Hidden_dei_EntityRegistrantName" name="dei:EntityRegistrantName" contextRef="duration_2021-02-11_to_2021-02-11">CITIZENS FINANCIAL GROUP INC/RI</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_Security12bTitle_duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember" name="dei:Security12bTitle" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember">Depositary Shares, each representing a 1/40th interest in a share of 6.350% Fixed-To-Floating Rate Non-CumulativePerpetual Preferred Stock, Series D</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_Security12bTitle_duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" name="dei:Security12bTitle" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember">Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-CumulativePerpetual Preferred Stock, Series E</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2021-02-11_to_2021-02-11">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2021-02-11_to_2021-02-11">0000759944</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="cfg-20210211.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2021-02-11_to_2021-02-11"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000759944</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-02-11</xbrli:startDate> <xbrli:endDate>2021-02-11</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000759944</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-02-11</xbrli:startDate> <xbrli:endDate>2021-02-11</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000759944</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-02-11</xbrli:startDate> <xbrli:endDate>2021-02-11</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000759944</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">cfg:DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-02-11</xbrli:startDate> <xbrli:endDate>2021-02-11</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="text-align:center"> <div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p> <p style="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">UNITED STATES</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">SECURITIES AND EXCHANGE COMMISSION</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Washington, DC 20549</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center"><span style="white-space:nowrap">FORM&#160;<ix:nonNumeric name="dei:DocumentType" contextRef="duration_2021-02-11_to_2021-02-11">8-K</ix:nonNumeric></span></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">CURRENT REPORT</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Pursuant to Section&#160;13 or 15(d)</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">of the Securities Exchange Act of 1934</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2021-02-11_to_2021-02-11" format="ixt:datemonthdayyearen">February&#160;11, 2021</ix:nonNumeric></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">CITIZENS FINANCIAL GROUP, INC.</span> </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Exact Name of Registrant as Specified In Its Charter)</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2021-02-11_to_2021-02-11" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2021-02-11_to_2021-02-11">001-36636</ix:nonNumeric></span></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2021-02-11_to_2021-02-11">05-0412693</ix:nonNumeric></span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(State or other jurisdiction</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">of incorporation)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Commission</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">File Number)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(I.R.S.&#160;Employer</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Identification No.)</p></td></tr>
<tr style="font-size:1pt">
<td style="height:12pt" colspan="3"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top" colspan="3"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2021-02-11_to_2021-02-11">One Citizens Plaza</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2021-02-11_to_2021-02-11">Providence</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2021-02-11_to_2021-02-11">RI</ix:nonNumeric></p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:bottom"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2021-02-11_to_2021-02-11">02903</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top" colspan="3"><span style="font-weight:bold">(Address of principal executive offices)</span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold">(Zip Code)</span></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2021-02-11_to_2021-02-11">(401)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2021-02-11_to_2021-02-11">456-7000</ix:nonNumeric></span></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Registrant&#8217;s telephone number, including area code)</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Not Applicable</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Former name or former address, if changed since last report.)</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the <span style="white-space:nowrap">Form&#160;8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2021-02-11_to_2021-02-11" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule&#160;425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2021-02-11_to_2021-02-11" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to <span style="white-space:nowrap">Rule&#160;14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2021-02-11_to_2021-02-11" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to <span style="white-space:nowrap">Rule&#160;14d-2(b)&#160;under</span> the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2021-02-11_to_2021-02-11" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to <span style="white-space:nowrap">Rule&#160;13e-4(c)&#160;under</span> the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities registered pursuant to Section&#160;12(b) of the Act:</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">symbol(s)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common stock, $0.01 par value per share</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">CFG</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <span style=" -sec-ix-hidden:Hidden_dei_Security12bTitle_duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember"><span style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Depositary Shares, each representing a 1/40th interest in a share of 6.350% <span style="white-space:nowrap"><span style="white-space:nowrap">Fixed-To-Floating</span></span> Rate <span style="white-space:nowrap">Non-Cumulative</span></span> <span style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Perpetual Preferred Stock, Series D</span></span> </td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember">CFG PrD</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <span style=" -sec-ix-hidden:Hidden_dei_Security12bTitle_duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember"><span style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate <span style="white-space:nowrap">Non-Cumulative</span></span> <span style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Perpetual Preferred Stock, Series E</span></span> </td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember">CFG PrE</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></span></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12 under the Exchange Act (17 CFR <span style="white-space:nowrap">240.12b-2).</span></p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Emerging growth company&#160;&#160;<ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2021-02-11_to_2021-02-11" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act.&#160;&#160;&#9744;</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />


<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Item&#160;8.01. Other Events. </p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On February&#160;11, 2021 (the &#8220;Settlement Date&#8221;), Citizens Financial Group, Inc. (the &#8220;Company&#8221;) completed its previously announced offers to exchange (the &#8220;Exchange Offers&#8221;) any and all of (i)&#160;its 4.300% Subordinated Notes due 2025 (the &#8220;4.300% Old Notes&#8221;) for its 4.300% Fixed Rate Reset Subordinated Notes due 2031 (the &#8220;4.300% New Notes&#8221;) and an additional cash payment; (ii)&#160;its 4.150% Subordinated Notes due 2022 (the &#8220;4.150% Old Notes&#8221;) and 4.023% Subordinated Notes due 2024 (the &#8220;4.023% Old Notes&#8221;) for its 4.300% New Notes; (iii)&#160;its 3.750% Subordinated Notes due 2024 (the &#8220;3.750% Old Notes&#8221;) for its 3.750% Fixed Rate Reset Subordinated Notes due 2031 (the &#8220;3.750% New Notes&#8221;); and (iv)&#160;its 4.350% Subordinated Notes due 2025 (the &#8220;4.350% Old Notes&#8221;) for its 4.350% Fixed Rate Reset Subordinated Notes due 2031 (the &#8220;4.350% New Notes&#8221;). </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the Exchange Offers, the aggregate principal amounts of the Old Notes set forth below were validly tendered and accepted and subsequently cancelled: </p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(i)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">$13,450,000 aggregate principal amount of 4.150% Old Notes; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(ii)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">$68,710,000 aggregate principal amount of 3.750% Old Notes; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(iii)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">$8,500,000 aggregate principal amount of 4.023% Old Notes; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(iv)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">$60,547,000 aggregate principal amount of 4.350% Old Notes; and </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(v)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">$113,880,000 aggregate principal amount of 4.300% Old Notes. </p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Following such cancellation, (i)&#160;$168,477,000 aggregate principal amount of 4.150% Old Notes remain outstanding; (ii) $89,919,000 aggregate principal amount of 3.750% Old Notes remain outstanding; (iii)&#160;$8,245,000 aggregate principal amount of 4.023% Old Notes remain outstanding, (iv) $133,469,000 aggregate principal amount of 4.350% Old Notes remain outstanding and (v) $336,282,000 aggregate principal amount of 4.300% Old Notes remain outstanding. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the settlement of the Exchange Offers, the Company (a)&#160;issued (i) $134,632,000 aggregate principal amount of the 4.300% New Notes, (ii) $68,710,000 aggregate principal amount of the 3.750% New Notes and (iii) $60,547,000 aggregate principal amount of the 4.350% New Notes, (b)&#160;solely with respect to the 4.300% Old Notes, paid aggregate additional cash consideration of $569,400 and (c)&#160;paid accrued and unpaid interest of $1,614,109.70, in each case, in exchange for the Old Notes validly tendered and accepted by the Company pursuant to the Exchange Offers. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The 4.300% New Notes were issued under the Subordinated Indenture, dated as of September&#160;28, 2012 (the &#8220;Base Indenture&#8221;), as amended by the Twelfth Supplemental Indenture, dated as of February&#160;11, 2021 (the &#8220;Twelfth Supplemental Indenture&#8221;), between the Company and The Bank of New York Mellon, as trustee (the &#8220;Trustee&#8221;). The 3.750% New Notes were issued under the Base Indenture, as amended by the Thirteenth Supplemental Indenture, dated as of February&#160;11, 2021 (the &#8220;Thirteenth Supplemental Indenture&#8221;), between the Company and the Trustee. The 4.350% New Notes were issued under the Base Indenture, as amended by the Fourteenth Supplemental Indenture, dated as of February&#160;11, 2021 (the &#8220;Fourteenth Supplemental Indenture&#8221;), between the Company and the Trustee. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest on each series of New Notes is payable semi-annually in arrears. From the Settlement Date to, but excluding, February&#160;11, 2026 (the &#8220;Reset Date&#8221;), (i) the 4.300% New Notes have a fixed interest rate of 4.300%, (ii) the 3.750% New Notes have a fixed interest rate of 3.750% and (iii)&#160;the 4.350% New Notes have a fixed interest rate of 4.350%. From and including the Reset Date, each series of New Notes will bear interest at a rate equal to the Five-Year U.S. Treasury Rate (as defined in the applicable form of note for such series of New Notes) <span style="font-style:italic">plus</span> 2.5%. Copies of the Base Indenture, the Twelfth Supplemental Indenture, the Thirteenth Supplemental Indenture and the Fourteenth Supplemental Indenture and forms of the Rule 144A Global Note for each series of New Notes are included as Exhibits 4.1 to 4.7, respectively, to this Current Report on Form <span style="white-space:nowrap">8-K</span> and incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the issuance of each series of New Notes, the Company entered into a Registration Rights Agreement relating to such series of New Notes, each dated as of February&#160;11, 2021 (each, a &#8220;Registration Rights Agreement&#8221;), with Credit Suisse Securities (USA) LLC, Barclays Capital Inc., BofA Securities, Inc. and Citizens Capital Markets, Inc., as dealer managers, which gives holders of the applicable series of New Notes certain exchange and registration rights with respect to such series of New Notes. Copies of each of the Registration Rights Agreements are included as Exhibits&#160;4.8, 4.9 and 4.10, respectively, to this Current Report on Form <span style="white-space:nowrap">8-K</span> and incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing summary of the terms of the New Notes and the Registration Rights Agreements do not purport to be complete and is subject to, and qualified in its entirety by, the full text of (i)&#160;the Base Indenture, (ii)&#160;the Twelfth Supplemental Indenture, the Thirteenth Supplemental Indenture or the Fourteenth Supplemental Indenture, as applicable, (iii)&#160;the applicable forms of New Notes and (iv)&#160;the applicable Registration Rights Agreement, which are attached hereto, or, in the case of the Base Indenture, attached as Exhibit 4.2 to the Company&#8217;s Amendment No.&#160;1 to its Registration Statement on Form <span style="white-space:nowrap">S-1,</span> filed on July&#160;28, 2015. </p>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />


<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On the Settlement Date, the Company issued the press release announcing the final results of its subordinated debt exchange offers, a copy of which is included as Exhibit 99.1 to this Current Report on Form <span style="white-space:nowrap">8-K</span> and incorporated herein by reference. </p>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />


<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Item&#160;9.01. Financial Statements and Exhibits. </p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Exhibits </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">


<tr>

<td></td>

<td style="vertical-align:bottom;width:5%"></td>
<td style="width:92%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td align="center" style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"><span style="font-weight:bold">Exhibit<br />Number</span></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td align="center" style="border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Description</p></td></tr>


<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="http://www.sec.gov/Archives/edgar/data/759944/000119312515265187/d64155dex42.htm">Subordinated Indenture, dated as of September&#160;28, 2012, between the Company and the Trustee (incorporated herein by reference to Exhibit 4.2 of Amendment No.&#160;1 to Registration Statement on Form <span style="white-space:nowrap">S-1,</span> filed July&#160;28, 2015) </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex42.htm">Twelfth Supplemental Indenture, dated as of February&#160;11, 2021, between the Company and the Trustee </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.3</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex43.htm">Thirteenth Supplemental Indenture, dated as of February&#160;11, 2021, between the Company and the Trustee </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.4</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex44.htm">Fourteenth Supplemental Indenture, dated as of February&#160;11, 2021, between the Company and the Trustee </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.5</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex45.htm">Form of 4.300% Rule 144A Subordinated Global Note due 2031 </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.6</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex46.htm">Form of 3.750% Rule 144A Subordinated Global Note due 2031 </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.7</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex47.htm">Form of 4.350% Rule 144A Subordinated Global Note due 2031 </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.8</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex48.htm">Registration Rights Agreement relating to the 4.300% New Notes, dated as of February&#160;11, 2021 </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.9</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex49.htm">Registration Rights Agreement relating to the 3.750% New Notes, dated as of February&#160;11, 2021 </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.10</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex410.htm">Registration Rights Agreement relating to the 4.350% New Notes, dated as of February&#160;11, 2021 </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">99.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d122408dex991.htm">Press Release of Citizens Financial Group, Inc., dated February&#160;11, 2021, relating to its exchange offers </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">104</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top">Cover Page Interactive Data File (embedded within the Inline XBRL document)</td></tr>
</table>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />


<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURES </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0">


<tr>

<td style="width:45%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:4%"></td>

<td style="vertical-align:bottom"></td>
<td style="width:3%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:45%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top" colspan="3"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc.</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">(Registrant)</p></td></tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top">Date: February&#160;11, 2021</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top">By:</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">/s/ Stephen T. Gannon</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top">Name: Stephen T. Gannon</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Title:&#160;&#160; Executive Vice President, General Counsel and</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Chief Legal Officer</p></td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.2
<SEQUENCE>2
<FILENAME>d122408dex42.htm
<DESCRIPTION>EX-4.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 4.2 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CITIZENS FINANCIAL GROUP, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Issuer </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THE BANK OF NEW YORK MELLON </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Trustee </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TWELFTH
SUPPLEMENTAL INDENTURE </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of February&nbsp;11, 2021 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">to </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SUBORDINATED INDENTURE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of September&nbsp;28, 2012 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$134,632,000 Principal Amount 4.300% Fixed Rate Reset Subordinated Notes due 2031 </P>
<P STYLE="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><U>P<SMALL>AGE</SMALL> </U></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="9%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center">ARTICLE I</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center">DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;101</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Relation to Base Indenture</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;102</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Incorporation by Reference of Trust Indenture Act</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;103</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Trust Indenture Act to Control</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;104</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Definitions</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center">ARTICLE II</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center">TERMS AND CONDITIONS OF THE SUBORDINATED NOTES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;201</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Form of Subordinated Notes</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;202</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Title and General Terms</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;203</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Redemption</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;204</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Reports and Other Information</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;205</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Transfer and Exchange</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;206</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Acceleration of Maturity</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;207</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Supplemental Indentures Without Consent of Holders</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;208</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Corporate Trust Office</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;209</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Notice of Defaults</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;210</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Registration Rights Agreement</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center">ARTICLE III</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center">MISCELLANEOUS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;301</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Effect of Headings</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;302</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Successors and Assigns</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;303</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Separability Clause</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;304</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Governing Law</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;305</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>U.S.A. PATRIOT Act</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;306</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>FATCA</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;307</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Electronic Communications</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;308</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Funds Held by the Trustee</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;A</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">A-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;B</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">B-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;C</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">C-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;D</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">D-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CROSS-REFERENCE TABLE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reconciliation and tie showing the location in the Base Indenture, dated as of September&nbsp;28, 2012, of the provisions inserted pursuant to
Sections 310 to 318(a), inclusive, of the Trust Indenture Act, unless otherwise indicated. This reconciliation and tie shall not, for any purpose, be deemed to be a part of the Subordinated Indenture. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="89%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Trust Indenture Act of 1939 Section</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Indenture&nbsp;Section</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">310&#8201;&#8201;(a)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(a)(2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(a)(5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">608&nbsp;and&nbsp;610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">312&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">701</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">313&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">314&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)(2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(e)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">315&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(d)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(e)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">316&#8201;&#8201;(a)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">512</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">317&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">318&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">103</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Refers to Section&nbsp;103 of the Twelfth Supplemental Indenture. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">TWELFTH SUPPLEMENTAL INDENTURE, dated as of February&nbsp;11, 2021 (the &#147;<I>Twelfth
Supplemental Indenture</I>&#148;), between Citizens Financial Group, Inc., a Delaware corporation (the &#147;<I>Company</I>&#148;), and The Bank of New York Mellon, a New York banking corporation, as Trustee hereunder (the
&#147;<I>Trustee</I>&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">RECITALS OF THE COMPANY </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has heretofore executed and delivered to The Bank of New York Mellon, as trustee, a Subordinated Indenture, dated as of
September&nbsp;28, 2012 (the &#147;<I>Base Indenture</I>,&#148; as the same may be amended or supplemented from time to time, including by this Twelfth Supplemental Indenture, the &#147;<I>Subordinated Indenture</I>&#148;), providing for the
issuance from time to time of the Company&#146;s subordinated debt securities (herein and therein called the &#147;<I>Subordinated Debt Securities</I>&#148;), to be issued in one or more series as provided in the Base Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Sections 201, 301 and 1101 of the Base Indenture permit the Company and the Trustee to enter into an indenture supplemental to the
Base Indenture to provide for the issuance of, and establish the form and terms of, additional series of Subordinated Debt Securities; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has authorized the issuance of $134,632,000 in aggregate principal amount of its 4.300% Fixed Rate Reset Subordinated
Notes due 2031; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Subordinated Notes will be established as a series of Subordinated Debt Securities under the Subordinated
Indenture; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has duly authorized the execution and delivery of this Twelfth Supplemental Indenture to establish the
form and terms of the Subordinated Notes; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, all things necessary have been done to make this Twelfth Supplemental Indenture a
valid agreement of the Company, in accordance with its terms; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, THIS INDENTURE WITNESSETH: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For and in consideration of the premises and the purchase of the Subordinated Notes by the Holders thereof, it is mutually covenanted and
agreed, for the equal and proportionate benefit of all Holders of the Subordinated Notes, as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE I </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;101 <I>Relation to Base Indenture.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Twelfth Supplemental Indenture constitutes a part of the Base Indenture (the provisions of which, as modified by this Twelfth
Supplemental Indenture, shall apply to the Subordinated Notes) in respect of the Subordinated Notes but shall not modify, amend or otherwise affect the Base Indenture insofar as it relates to any other series of Subordinated Debt Securities or
affects in any manner the terms and conditions of the Subordinated Debt Securities of any other series. For the avoidance of doubt, the First through Eleventh Supplemental Indentures to the Base Indenture and the Thirteenth and Fourteenth
Supplemental Indentures to the Base Indenture entered into concurrently with this Twelfth Supplemental Indenture shall not apply to the Subordinated Notes. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;102 <I>Incorporation</I><I> by Reference of Trust Indenture Act.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Subordinated Indenture is subject to the mandatory provisions of the Trust Indenture Act, which are incorporated by reference in and made
a part of the Subordinated Indenture. The following Trust Indenture Act terms have the following meanings: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture
Securities</I>&#148; shall mean the Subordinated Debt Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture to Be Qualified</I>&#148; shall mean the
Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture Trustee or Institutional Trustee</I>&#148; shall mean the Trustee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Obligor</I>&#148; with reference to Indenture Securities shall mean the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All other terms in the Subordinated Indenture that are defined by the Trust Indenture Act, defined by it by reference to another statute or
defined by the Commission rule have the meanings assigned to them by such definitions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;103 <I>Trust Indenture Act to
Control.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any provision included in the Subordinated Indenture limits, qualifies or conflicts with another provision included in
the Subordinated Indenture that is required to be included in the Subordinated Indenture by the Trust Indenture Act, such required provision shall control. If any provision of the Subordinated Indenture modifies or excludes any provision of the
Trust Indenture Act that may be so modified or excluded, the latter provision shall be deemed to apply to the Subordinated Indenture as so modified or to be excluded, as the case may be. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;104 <I>Definitions.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For all purposes of this Twelfth Supplemental Indenture, the capitalized terms used herein that are defined in this
<U>Section</U><U></U><U>&nbsp;104</U> have the respective meanings assigned hereto in this <U>Section</U><U></U><U>&nbsp;104</U>, and the capitalized terms used herein that are defined in the Base Indenture and not defined in this
<U>Section</U><U></U><U>&nbsp;104</U> have the respective meanings assigned thereto in the Base Indenture. For all purposes of this Twelfth Supplemental Indenture: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the terms defined in this Article I have the meanings assigned to them in this Article I, and include the plural as well as
the singular; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) all other terms used herein that are defined in the Trust Indenture Act, either directly or by reference
therein, have the meanings assigned to them therein; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) all accounting terms not otherwise defined herein have the
meanings assigned to them in accordance with U.S. GAAP, and, except as otherwise herein expressly provided, the term &#147;<I>U.S. GAAP</I>&#148; with respect to any computation required or permitted hereunder shall mean U.S. GAAP at the date of
such computation; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) the words &#147;<I>herein</I>,&#148; &#147;<I>hereof</I>&#148; and
&#147;<I>hereunder</I>&#148; and other words of similar import refer to this Twelfth Supplemental Indenture as a whole and not to any particular Article, Section or other subdivision; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) for the avoidance of doubt, any reference to a facsimile signature shall include an image of a signature produced
electronically. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>144A Global Note</I>&#148; means a Global Note substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;A</U>, bearing the Global Note Legend and the 144A Legend and deposited with or on behalf of, and registered in the name of the Depositary or its nominee, issued in a denomination equal to the Outstanding principal
amount of the Subordinated Notes sold in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>144A Legend</I>&#148;
means the legend set forth in <U>Section</U><U></U><U>&nbsp;205(g)(i)</U> hereof to be placed on all Subordinated Notes issued under the Subordinated Indenture and sold in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs, except where
otherwise permitted by the provisions of this Twelfth Supplemental Indenture. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Additional Notes</I>&#148; shall have the meaning
set forth in <U>Section</U><U></U><U>&nbsp;202(j)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Agent&#146;s Message</I>&#148; means a computer-generated message,
transmitted by DTC to, and received by, the exchange agent for the Registered Exchange Offer and forming a part of a book-entry conformation, which states that DTC has received an express acknowledgment from the tendering participant that such
participant has received and agrees to be bound by, and makes the representations and warranties contained in, the Letter of Transmittal and that the Company may enforce the Letter of Transmittal against such participant. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Applicable Procedures</I>&#148; means, with respect to any transfer or exchange of or for beneficial interests in any Global Note,
the rules and procedures of the Depositary, Euroclear and Clearstream that apply to such transfer or exchange, and, with respect to any payments on or notices in respect of any Global Note, the rules and procedures of the Depositary that apply to
such payment or notice. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Appropriate Federal Banking Agency</I>&#148; means the &#147;appropriate federal banking agency&#148;
with respect to the Company as defined in Section&nbsp;3(q) of the Federal Deposit Insurance Act (12&nbsp;U.S.C. &#167; 1813(q)), or any successor provision. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Base Indenture</I>&#148; has the meaning set forth in the recitals of the Company of this Twelfth Supplemental Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Clearstream</I>&#148; means Clearstream Banking, <I>Soci&eacute;t&eacute; Anonyme</I> and its successors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Code</I>&#148; means the Internal Revenue Code of 1986 as in effect on the date hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Company</I>&#148; means the Person named as the &#147;<I>Company</I>&#148; in the
first paragraph of this Twelfth Supplemental Indenture until a successor corporation shall have become such pursuant to the applicable provisions of the Subordinated Indenture, and thereafter &#147;<I>Company</I>&#148; shall mean such successor
corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Dealer Managers</I>&#148; means, with respect to the Subordinated Notes, Credit Suisse Securities (USA) LLC,
Barclays Capital Inc., BofA Securities, Inc. and Citizens Capital Markets, Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Definitive Note</I>&#148; means a certificated
Subordinated Note registered in the name of the Holder thereof and issued in accordance with <U>Section</U><U></U><U>&nbsp;205</U> hereof, substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, except that such Subordinated Note shall not
bear the Global Note Legend and shall not have the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>DTC</I>&#148; means The Depository Trust Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Act</I>&#148; means the Securities Exchange Act of 1934, as amended. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Notes</I>&#148; means the Subordinated Notes issued in the Registered Exchange Offer pursuant to
<U>Section</U><U></U><U>&nbsp;205(f)</U> or pursuant to a registered exchange offer for Subordinated Notes with a Private Placement Legend issued after the Original Issue Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Offer Registration Statement</I>&#148; means a registration statement of the Company on an appropriate form under the
Securities Act with respect to the Registered Exchange Offer, all amendments and supplements to such registration statement, including post-effective amendments thereto, in each case including the prospectus contained therein, all exhibits thereto
and all material incorporated by reference therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Euroclear</I>&#148; means Euroclear Bank S.A./N.V., as operator of the
Euroclear system, and its successors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>FATCA</I>&#148; has the meaning set forth in <U>Section</U><U></U><U>&nbsp;306</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>&#147;Federal Reserve&#148;</I> means the Board of Governors of the Federal Reserve System. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Global Note Legend</I>&#148; means the legend set forth in <U>Section</U><U></U><U>&nbsp;205(g)(iii)</U> hereof, which is required to
be placed on all Global Notes issued under the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Global Notes</I>&#148; means, individually and
collectively, each of the Restricted Global Notes and the Unrestricted Global Notes, substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, issued in accordance with <U>Section</U><U></U><U>&nbsp;201</U>,
<U>Section</U><U></U><U>&nbsp;205(b)</U>, <U>Section</U><U></U><U>&nbsp;205(d)</U> or <U>Section</U><U></U><U>&nbsp;205(f)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indirect Participant</I>&#148; means a Person who holds a beneficial interest in a Global Note through a Participant. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Initial Notes</I>&#148; means the $134,632,000 aggregate principal amount of 4.300% Fixed Rate Reset Subordinated Notes due 2031 of
the Company issued on the Original Issue Date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Letter of Transmittal</I>&#148; means the letter of transmittal or similar
documentation to be prepared by the Company and sent to all holders of the Subordinated Notes to be executed and delivered by such holders (or agreed to by such holders pursuant to an Agent&#146;s Message) in connection with the Registered Exchange
Offer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Original Issue Date</I>&#148; means February&nbsp;11, 2021, the date of original issuance of the Initial Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Participant</I>&#148; means, with respect to the Depositary, a Person who has an account with the Depositary (and, with respect to
DTC, shall include Euroclear and Clearstream). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Person</I>&#148; means any individual, corporation, partnership, joint venture,
association, joint stock company, trust, estate, unincorporated organization or government or any agency or political subdivision thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Private Placement Legend</I>&#148; means the 144A Legend or Regulation S Legend, as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>QIB</I>&#148; means a &#147;qualified institutional buyer&#148; as defined in Rule 144A. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Redemption Price</I>&#148; has the meaning set forth in <U>Section</U><U></U><U>&nbsp;203(b)</U> of this Twelfth Supplemental
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Registered Exchange Offer</I>&#148; means the proposed offer of the Company to issue and deliver, or cause to be
issued and delivered, to the Holders of the Subordinates Notes or the owners of beneficial interests therein that are not prohibited by any law or policy of the Commission from participating in such offer, in exchange for the Subordinated Notes
initially sold in reliance on Section&nbsp;4(a)(2) of the Act or on Rule 903, a like aggregate principal amount of Subordinated Notes identical in all material respects to the Subordinated Notes being exchanged (except that the transfer restrictions
on the Subordinated Notes being exchanged shall be modified or eliminated, as appropriate). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Registration Rights
Agreement</I>&#148; means the Registration Rights Agreement relating to the Subordinated Notes, dated as of February&nbsp;11, 2021, by and among the Company and the Dealer Managers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S</I>&#148; means Regulation S promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S Global Note</I>&#148; means a Global Note substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, bearing the
Global Note Legend and the Regulation S Legend and deposited with or on behalf of, and registered in the name of the Depositary or its nominee, issued in a denomination equal to the Outstanding principal amount of the Subordinated Notes initially
sold in reliance on Rule 903. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S Legend</I>&#148; means the legend set forth in
<U>Section</U><U></U><U>&nbsp;205(g)(ii)</U> hereof to be placed on all Subordinated Notes issued under the Subordinated Indenture and initially sold in reliance on Rule 903, except where otherwise permitted by the provisions of this Twelfth
Supplemental Indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulatory Capital Treatment Event</I>&#148; means the good faith determination by
the Company that, as a result of (i)&nbsp;any amendment to, or change in, the laws, rules or regulations of the United States (including, for the avoidance of doubt, any agency or instrumentality of the United States, including the Federal Reserve
and other Federal bank regulatory agencies) or any political subdivision of or in the United States that is enacted or becomes effective after the Original Issue Date, (ii)&nbsp;any proposed change in those laws, rules or regulations that is
announced or becomes effective after the Original Issue Date, or (iii)&nbsp;any official administrative decision or judicial decision or administrative action or other official pronouncement interpreting or applying those laws, rules or regulations
or policies with respect thereto that is announced after the Original Issue Date, there is more than an insubstantial risk that the Company will not be entitled to treat the Subordinated Notes then Outstanding as &#147;Tier 2 capital&#148; (or its
equivalent) for purposes of the capital adequacy rules of the Federal Reserve (or, as and if applicable, the capital adequacy rules or regulations of any successor Appropriate Federal Banking Agency) as then in effect and applicable, for so long as
the Subordinated Notes are Outstanding, to at least the same extent as on the Original Issue Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Reset Date</I>&#148; shall
have the meaning set forth in <U>Section</U><U></U><U>&nbsp;203(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Restricted Definitive Note</I>&#148; means a Definitive
Note bearing, or that is required to bear, a Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Restricted Global Note</I>&#148; means a Global Note
bearing, or that is required to bear, a Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 144</I>&#148; means Rule 144 promulgated under the
Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 144A</I>&#148; means Rule 144A promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 903</I>&#148; means Rule 903 promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 904</I>&#148; means Rule 904 promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Securities Act</I>&#148; means the Securities Act of 1933, as amended, and unless context requires otherwise, the rules and
regulations of the Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Shelf Registration Statement</I>&#148; means a &#147;shelf&#146;
registration statement of the Company pursuant to the provisions of the Registration Rights Agreement, which covers some or all of the Subordinated Notes, on an appropriate form under Rule&nbsp;415 under the Securities Act, or any similar rule that
may be adopted by the Commission, amendments and supplements to such registration statement, including post-effective amendments and the prospectus contained therein, all exhibits thereto and all material incorporated by reference therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Subordinated Indenture</I>&#148; has the meaning set forth in the recitals of the Company of this Twelfth Supplemental Indenture.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Subordinated Notes</I>&#148; means the Initial Notes, the Exchange Notes and any other notes issued after the Issue Date in
accordance with <U><BR>Section</U><U></U><U>&nbsp;202(j)</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Trustee</I>&#148; means the Person named as the &#147;<I>Trustee</I>&#148; in the
first paragraph hereof until a successor Person shall have become such pursuant to the applicable provisions of the Subordinated Indenture, and thereafter &#147;<I>Trustee</I>&#148; shall mean such successor Person. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Twelfth Supplemental Indenture</I>&#148; has the meaning set forth in the first paragraph of this instrument. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Unrestricted Definitive Note</I>&#148; means one or more Definitive Notes that do not bear and are not required to bear a Private
Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Unrestricted Global Note</I>&#148; means a Global Note, substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;A</U> that bears the Global Note Legend and that has the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto, and that is deposited with or on behalf of and registered in the name of the
Depositary, representing Subordinated Notes that do not bear a Private Placement Legend. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERMS AND CONDITIONS OF THE SUBORDINATED NOTES </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;201 <I>Form of Subordinated Notes.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>General</I>. The Subordinated Notes and the Trustee&#146;s certificate of authentication shall be substantially in the form set forth
in <U>Exhibit</U><U></U><U>&nbsp;A</U>, which is incorporated in and forms a part of the Subordinated Indenture, with such appropriate insertions, omissions, substitutions and other variations as are required or permitted by the Subordinated
Indenture and may have such letters, numbers or other marks of identification and such legends or endorsements placed thereon as may be determined, consistent with the Subordinated Indenture, by the officers of the Company executing such
Subordinated Notes, as evidenced by their execution of such Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Global Notes</I>. The Subordinated Notes shall be
issued initially in the form of one or more permanent Global Notes. Global Notes shall be substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, including the Global Note Legend thereon and the &#147;Schedule of Exchanges of Interests in
the Global Note&#148; attached thereto. Subordinated Notes issued in definitive form shall be substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, but without the Global Note Legend thereon and without the &#147;Schedule of Exchanges of
Interests in the Global Note&#148; attached thereto. Each Global Note shall represent such of the Outstanding Subordinated Notes as shall be specified in the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto and each
shall provide that it shall represent up to the aggregate principal amount of Subordinated Notes from time to time endorsed thereon and that the aggregate principal amount of Outstanding Subordinated Notes represented thereby may from time to time
be reduced or increased, as applicable, to reflect exchanges and redemptions. Any endorsement of a Global Note to reflect the amount of any increase or decrease in the aggregate principal amount of Outstanding Subordinated Notes represented thereby
shall be made by the Trustee, in accordance with instructions given by the Holder thereof as required by <U>Section</U><U></U><U>&nbsp;205</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Authentication</I>. With respect to the Subordinated Notes, the first sentence of Section&nbsp;303(g) of the Base Indenture shall be
amended by adding the words &#147;(or, solely in the case of a Global Note, by manual, facsimile or other electronic signature of one of its authorized officers)&#148; immediately after the words &#147;by manual signature of one of its authorized
officers&#148; and before the comma that follows such words. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;202 <I>Title and General Terms.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to Sections 201 and 301 of the Base Indenture, there is hereby established a series of Subordinated Debt Securities, the terms of
which shall be as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Designation</I>. The Subordinated Notes shall be known and designated as the &#147;4.300% Fixed Rate
Reset Subordinated Notes due 2031.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Aggregate Principal Amount</I>. The aggregate principal amount of the Subordinated Notes
that may be authenticated and delivered under this Twelfth Supplemental Indenture is limited to $134,632,000, as increased by the amount of any Additional Notes issued pursuant to <U>Section</U><U></U><U>&nbsp;202(j)</U> of this Twelfth Supplemental
Indenture, except for Subordinated Notes authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of, other Subordinated Notes issued pursuant to Section&nbsp;304, 305, 306, 1106 or 1307 of the Base Indenture or
Article II of this Twelfth Supplemental Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Maturity, Interest and Place of Payment</I>. The Stated Maturity of the
Subordinated Notes shall be February&nbsp;11, 2031, and the Subordinated Notes shall bear interest and have such other terms as are set forth in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> hereto. The Place of Payment with
respect to the Subordinated Notes shall be The City of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>No Additional Amounts</I>. In the event that any payment on the
Subordinated Notes by the Company or any Paying Agent is subject to withholding of United States Federal income tax or other tax or assessment (as a result of a change in law or otherwise), neither the Company nor any Paying Agent shall pay
additional amounts to the Holders of the Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>No Sinking Fund or Redemption at Option of Holders</I>. The Company
shall have no obligation to redeem or purchase the Subordinated Notes pursuant to any sinking fund or analogous provision, or at the option of a Holder thereof. The Subordinated Notes shall be redeemable at the election of the Company from time to
time at the times and at the prices specified in <U>Section</U><U></U><U>&nbsp;203</U> of this Twelfth Supplemental Indenture, and the election of the Company to redeem any Subordinated Notes shall be evidenced by either a Board Resolution or an
Officer&#146;s Certificate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Defeasance</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The Subordinated Notes shall be subject to the defeasance provisions of Article XIV of the Base Indenture beginning no
earlier than on the fifth anniversary of the Original Issue Date; <I>provided</I> that, with respect to the Subordinated Notes, Section&nbsp;1402(b)(4) of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">&#147;(4) the Company shall have delivered to the Trustee an Opinion of Counsel to the effect that beneficial owners of the Subordinated Debt
Securities of such series will not recognize income, gain or loss for Federal income tax purposes as a result of the Company&#146;s exercise of its option </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">
under this Section and will be subject to Federal income tax on the same amounts and in the same manner and at the same times as would have been the case if such option had not been exercised
(which opinion, if the Company shall have exercised its option under Section&nbsp;1402(b)(x) of the Base Indenture, shall be (A)&nbsp;accompanied by and based upon a ruling to that effect received from or published by the Internal Revenue Service or
(B)&nbsp;based upon a change in law after the date of this Twelfth Supplemental Indenture); and&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Any defeasance
of the Subordinated Notes pursuant to Article XIV of the Base Indenture shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency and any additional requirements that the Appropriate Federal Banking
Agency may impose with respect to defeasance of the Subordinated Notes, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Repurchases</I>. The Company may from time to time repurchase the Subordinated Notes in open market purchases or negotiated
transactions without prior notice to Holders or beneficial owners of Subordinated Notes. Any such repurchases of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency and any
additional requirements that the Appropriate Federal Banking Agency may impose with respect to the repurchase of the Subordinated Notes, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <I>Denominations</I>. The Subordinated Notes shall be issuable only in fully registered form and only in a minimum denomination of $2,000
and authorized denominations of any integral multiples of $1,000 in excess thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Authentication and Delivery</I>. The
Subordinated Notes shall be executed, authenticated, delivered and dated in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <I>Additional Notes</I>. The Company may, from time to time, without the consent of the Holders of the Subordinated Notes, reopen the
series constituting the Subordinated Notes and issue additional Subordinated Notes (the &#147;<I>Additional Notes</I>&#148;) having the same ranking and the same interest rate, maturity and other terms as the Subordinated Notes, except for the
public offering price, the issue date and, if applicable, the initial interest payment date and initial interest accrual date. Any such Additional Notes, together with the Initial Notes and the Exchange Notes, shall constitute a single series of
Subordinated Debt Securities under the Base Indenture; <I>provided</I> that if the Additional Notes are not fungible for U.S. federal income tax and U.S. federal securities law purposes with the Initial Notes or the Exchange Notes, as the case may
be, the Additional Notes shall be issued under separate CUSIP and ISIN numbers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <I>Events of Default and Default</I>. The only Events
of Default and the only Defaults applicable to the Subordinated Notes are as set forth in Article V of the Base Indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;203 <I>Redemption.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Subordinated Notes shall not be redeemable at the Company&#146;s option except as set forth in this <U>Section</U><U></U><U>&nbsp;203</U>:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole but not in part, on
February&nbsp;11, 2026 (the &#147;<I>Reset Date</I>&#148;); (ii) in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory
Capital Treatment Event. Any such redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the &#147;<I>Redemption Price</I>&#148; shall be equal
to 100% of the Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date. If the Redemption Price in respect of the Subordinated Notes is not paid on
the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by this <U>Section</U><U></U><U>&nbsp;203</U>, any redemption of the Subordinated Notes
under this <U>Section</U><U></U><U>&nbsp;203</U> is subject to the terms and conditions of Article&nbsp;XIII of the Base Indenture. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Notice of any redemption shall be sent at least 10 days but no more than 60 days before the Redemption Date to
(w)&nbsp;each Holder of Subordinated Notes to be redeemed in accordance with Section&nbsp;105 of the Base Indenture, (x)&nbsp;to the Trustee, (y)&nbsp;to the Security Registrar to forward to each Holder of Subordinated Notes to be redeemed at such
Holder&#146;s registered address, or (z)&nbsp;otherwise in accordance with the Applicable Procedures. If less than all of the Subordinated Notes are to be redeemed, and the Subordinated Notes are Global Notes, the Subordinated Notes to be redeemed
will be selected by the Depositary in accordance with the Applicable Procedures. If the Subordinated Notes to be redeemed are not Global Notes held by the Depositary, the Trustee will select the Subordinated Notes (or portions thereof) to be
redeemed by lot. The Trustee shall have no duty to calculate or verify the calculation of the Redemption Price. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) At
least 5 Business Days or such shorter period as the Trustee and Security Registrar may agree to (and not more than 10 Business Days) prior to the date on which it intends to have the Security Registrar notify the Holders of the Subordinated Notes of
the Company&#146;s exercise of its option to redeem the Subordinated Notes, the Company will provide to the Trustee and the Security Registrar a draft notice of a potential exercise of such option with respect to the Subordinated Notes on such date.
After receipt of final notice that the Company is exercising its option to redeem the Subordinated Notes, the Security Registrar will deliver notice to each Holder of Subordinated Notes in accordance with Article XIII of the Base Indenture, as
modified by this <U>Section</U><U></U><U>&nbsp;203</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;204 <I>Reports and Other Information.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1206 of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;So long as Subordinated Notes remain Outstanding, the Company shall file with, or make available to, the Trustee, within 15 days after
the Company is required to file the same with the Commission, copies of the annual reports and of the information, documents, and other reports that the Company may be required to file with the Commission pursuant to Section&nbsp;13 or
Section&nbsp;15(d) of the Exchange or pursuant to Section&nbsp;314 of the Trust Indenture Act; <I>provided</I> that any document publicly available on the Commission&#146;s Electronic Data Gathering, Analysis and Retrieval system shall satisfy the
requirements hereof if the Company provides the Trustee with written notice when any such document is filed with the Commission&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;205 <I>Transfer and Exchange.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Transfer and Exchange of Global Notes</I>. Except as otherwise set forth in this <U>Section</U><U></U><U>&nbsp;205</U>, a Global Note
may be transferred, in whole and not in part, only to another nominee of the Depositary or to a successor thereto or a nominee of such successor thereto. A beneficial interest in a Global Note may not be exchanged for a Definitive Note unless
(i)&nbsp;the Depositary (1)&nbsp;notifies the Company that it is unwilling or unable to continue as Depositary for such Global Note or (2)&nbsp;has ceased to be a clearing agency registered under the Exchange Act, and, in either case, a successor
Depositary is not appointed by the Company within 90 days of such notice or becoming aware that the Depositary is no longer so registered, (ii)&nbsp;the Company, at its option, notifies the Trustee in writing that it elects to cause the issuance of
Definitive Notes or (iii)&nbsp;upon the request of the Depositary if there shall have occurred and be continuing an Event of Default with respect to the Subordinated Notes. Upon the occurrence of any of the preceding events in clause (i), (ii) or
(iii)&nbsp;above, Definitive Notes delivered in exchange for any Global Note or beneficial interests therein will be registered in the names, and issued in any approved denominations, requested by or on behalf of the Depositary (in accordance with
the Applicable Procedures). Global Notes also may be exchanged or replaced, in whole or in part, as provided in Article III of the Base Indenture. Every Subordinated Note authenticated and delivered in exchange for, or in lieu of, a Global Note,
pursuant to this <U>Section</U><U></U><U>&nbsp;205</U> or Article III of the Base Indenture, as modified by <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, shall be authenticated and delivered in the form of, and shall be, a Global Note, except for
Definitive Notes issued subsequent to any of the preceding events in clause (i), (ii) or (iii)&nbsp;above and pursuant to <U>Section</U><U></U><U>&nbsp;205(c)</U> hereof. A Global Note may not be exchanged for another Subordinated Note other than as
provided in this <U>Section</U><U></U><U>&nbsp;205(a)</U>; <I>provided </I>that beneficial interests in a Global Note may be transferred and exchanged as provided in <U>Section</U><U></U><U>&nbsp;205(b)</U>, <U>(c)</U> or <U>(f)</U>&nbsp;hereof.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Transfers and Exchanges of Beneficial Interests in Global Notes</I>. The transfer and exchange of beneficial interests in the
Global Notes shall be effected through the Depositary in accordance with the provisions of the Subordinated Indenture and the Applicable Procedures. Beneficial interests in the Restricted Global Notes shall be subject to restrictions on transfer
comparable to those set forth herein to the extent required by the Securities Act. Transfers of beneficial interests in the Global Notes also shall require compliance with either subparagraph (i)&nbsp;or (ii) below, as applicable, as well as one or
more of the other following subparagraphs, as applicable: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Transfer of Beneficial Interests in the Same Global Note</I>.
Beneficial interests in any Restricted Global Note may be transferred to Persons who take delivery thereof in the form of a beneficial interest in the same Restricted Global Note in accordance with the transfer restrictions set forth in the Private
Placement Legend applicable to such Restricted Global Note. Beneficial interests in any Unrestricted Global Note may be transferred to Persons who take delivery thereof in the form of a beneficial interest in an Unrestricted Global Note. No written
orders or instructions shall be required to be delivered to the Security Registrar to effect the transfers described in this <U>Section</U><U></U><U>&nbsp;205(b)(i)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>All Other Transfers and Exchanges of Beneficial Interests in Global Notes</I>. In connection with all transfers and
exchanges of beneficial interests that are not subject to <U>Section</U><U></U><U>&nbsp;205(b)(i)</U>, the transferor of such beneficial interest must deliver to the Security Registrar either (1) (A) a written order from a Participant or an Indirect
Participant given to the Depositary in accordance with the Applicable Procedures directing the Depositary to credit or cause to be credited a beneficial interest in another Global Note in an amount equal to the beneficial interest to be transferred
or exchanged and (B)&nbsp;instructions given in accordance with the Applicable Procedures containing information regarding the Participant account to be credited with such increase, or (2) (A) a written order from a Participant or an Indirect
Participant given to the Depositary in accordance with the Applicable Procedures directing the Depositary to cause to be issued a Definitive Note of the same series in an amount equal to the beneficial interest to be transferred or exchanged and
(B)&nbsp;instructions given by the Depositary to the Security Registrar containing information regarding the Person in whose name such Definitive Note shall be registered to effect the transfer or exchange referred to in subclause (2)(A);
<I>provided</I> that in no event shall Definitive Notes be issued other than upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U>. Upon consummation of a Registered Exchange Offer by
the Company in accordance with <U>Section</U><U></U><U>&nbsp;205(f)</U>, the requirements of this <U>Section</U><U></U><U>&nbsp;2.05(b)(ii)</U> shall be deemed to have been satisfied upon receipt by the Security Registrar of the instructions
contained in either the Letter of Transmittal delivered by the holder of such beneficial interests in the Restricted Global Notes or the applicable Agent&#146;s Message. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Transfer of Beneficial Interests to Another Restricted Global Note</I>. A beneficial interest in any Restricted Global
Note may be transferred to a Person who takes delivery thereof in the form of a beneficial interest in another Restricted Global Note if the transfer complies with the requirements of <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof and the
Security Registrar receives the following: (1)&nbsp;if the transferee will take delivery in the form of a beneficial interest in a 144A Global Note, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>,
including the certifications in item (1)&nbsp;thereof, and, if such beneficial interest is in a Regulation S Global Note, the transferee must deliver a certificate in the form of <U>Exhibit C</U>; or (2)&nbsp;if the transferee will take delivery in
the form of a beneficial interest in a Regulation S Global Note, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) <I>Transfer and Exchange of Beneficial Interests in a Restricted Global
Note for Beneficial Interests in an Unrestricted Global Note</I>. A beneficial interest in any Restricted Global Note may be exchanged by any holder thereof for a beneficial interest in an Unrestricted Global Note or transferred to a Person who
takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note if the exchange or transfer complies with the requirements of <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof and: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the holder of such beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for a beneficial interest in an Unrestricted Global Note, the Security Registrar receives a certificate from such Holder substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;D</U> hereto, including the certifications in item (1)(a) thereof; or (B)&nbsp;if the holder of such beneficial interest in a Restricted Global Note proposes to transfer such beneficial interest to a Person who shall
take delivery thereof in the form of a beneficial interest in an Unrestricted Global Note, the Security Registrar receives a certificate from such holder in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item
(4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the Applicable Procedures so require, an Opinion of Counsel in form reasonably acceptable to the Security Registrar to the
effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement Legend applicable to such Restricted Global Note are no longer required in order to
maintain compliance with the Securities Act. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">If any such transfer is effected pursuant to this subparagraph (iv)&nbsp;at a time when an
Unrestricted Global Note has not yet been issued, the Company shall issue and, upon receipt of a Company Order for the authentication of one or more Unrestricted Global Notes in accordance with Section&nbsp;303 of the Base Indenture and
<U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, the Trustee shall authenticate such Unrestricted Global Notes in an aggregate principal amount equal to the aggregate principal amount of beneficial interests transferred pursuant to this subparagraph
(iv). Beneficial interests in an Unrestricted Global Note cannot be exchanged for, or transferred to Persons who take delivery thereof in the form of, a beneficial interest in a Restricted Global Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Transfer or Exchange of Beneficial Interests for Definitive Notes.</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Beneficial Interests in Restricted Global Notes to Restricted Definitive Notes</I>. If any holder of a beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for a Restricted Definitive Note or to transfer such beneficial interest to a Person who takes delivery thereof in the form of a Restricted Definitive Note, then,
upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and receipt by the Security Registrar of the following documentation: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) if the holder of such beneficial interest in a Restricted Global Note proposes to exchange such beneficial interest for a Restricted
Definitive Note, a certificate from such holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (2)(a) thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) if such beneficial interest is being transferred to a QIB in accordance with Rule 144A, a certificate substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such beneficial interest is in a Regulation S Global Note, a certificate substantially in the form of <U>Exhibit C</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) if such beneficial interest is being transferred to a <FONT STYLE="white-space:nowrap">Non-U.S.</FONT> Person in an offshore transaction in
accordance with Rule 903 or Rule 904, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(4) if such beneficial interest is being transferred pursuant to an exemption from the registration requirements of the Securities Act in
accordance with Rule 144, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(a) thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(5) if such beneficial interest is being transferred to the Company or any of its Subsidiaries, a certificate substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(b) thereof; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(6) if such beneficial interest is being
transferred pursuant to an effective registration statement under the Securities Act, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(c) thereof, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">the Trustee shall cause the aggregate principal amount of the applicable Global Note to be reduced accordingly pursuant to
<U>Section</U><U></U><U>&nbsp;205(g)</U>, and the Company shall execute and the Trustee shall authenticate and mail to the Person designated in the instructions a Definitive Note in the applicable principal amount. Any Definitive Note issued in
exchange for a beneficial interest in a Restricted Global Note pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)</U> shall be registered in such name or names and in such authorized denomination or denominations as the holder of such beneficial
interest shall instruct the Security Registrar through instructions from the Depositary and the Participant or Indirect Participant. The Trustee shall mail such Definitive Notes to the Persons in whose names such Subordinated Notes are so
registered. Any Definitive Note issued in exchange for a beneficial interest in a Restricted Global Note pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)</U><U>(i)</U> shall bear the applicable Private Placement Legend and shall be subject to
all restrictions on transfer contained therein. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Beneficial Interests in Restricted Global Notes to Unrestricted
Definitive Notes</I>. A holder of a beneficial interest in a Restricted Global Note may exchange such beneficial interest for an Unrestricted Definitive Note or may transfer such beneficial interest to a Person who takes delivery thereof in the form
of an Unrestricted Definitive Note only upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the holder of such beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for an Unrestricted Definitive Note, a certificate from such holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(b)
thereof; or (B)&nbsp;if the holder of such beneficial interest in a Restricted Global Note proposes to transfer such beneficial interest to a Person who shall take delivery thereof in the form of an Unrestricted Definitive Note, a certificate from
such holder substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the
Applicable Procedures so require, an Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained
herein and in the Private Placement Legend applicable to such Restricted Global Note are no longer required in order to maintain compliance with the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Beneficial Interests in Unrestricted Global Notes to Unrestricted Definitive Notes</I>. If any holder of a beneficial
interest in an Unrestricted Global Note proposes to exchange such beneficial interest for a Definitive Note or to transfer such beneficial interest to a Person who takes delivery thereof in the form of a Definitive Note, then, upon the occurrence of
any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and satisfaction of the conditions set forth in <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof, the Trustee shall cause the aggregate
principal amount of the applicable Global Note to be reduced accordingly pursuant to <U>Section</U><U></U><U>&nbsp;205(h)</U> hereof, and the Company shall execute and the Trustee shall authenticate and mail
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
to the Person designated in the instructions a Definitive Note in the applicable principal amount. Any Definitive Note issued in exchange for a beneficial interest pursuant to this
<U>Section</U><U></U><U>&nbsp;205(c)(iii)</U> shall be registered in such name or names and in such authorized denomination or denominations as the holder of such beneficial interest shall instruct the Security Registrar through instructions from or
through the Depositary and the Participant or Indirect Participant. The Trustee shall mail such Definitive Notes to the Persons in whose names such Subordinated Notes are so registered. Any Definitive Note issued in exchange for a beneficial
interest pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)(iii)</U> shall not bear any Private Placement Legend. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv)
In connection with any proposed exchange from a beneficial interest in a Global Note to a Definitive Note, the Company or the Depositary shall provide or cause to be provided to the Trustee sufficient information (but only to the extent that the
Company or Depositary has knowledge of such information) so as to allow the Trustee to comply with any applicable tax reporting obligations, including, without limitation, any cost basis reporting obligations under Section&nbsp;6045 of the Code. The
Trustee may rely on the information provided to it and shall have no responsibility to verify or ensure the accuracy of such information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B></B><I>Transfer and Exchange of Definitive Notes for Beneficial Interests.</I><B></B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Restricted Definitive Notes to Beneficial Interests in Restricted Global Notes</I>. If any Holder of a Restricted
Definitive Note proposes to exchange such Subordinated Note for a beneficial interest in a Restricted Global Note or to transfer such Restricted Definitive Note to a Person who takes delivery thereof in the form of a beneficial interest in a
Restricted Global Note, then, upon receipt by the Security Registrar of the following documentation: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) if the Holder of such Restricted
Definitive Note proposes to exchange such Subordinated Note for a beneficial interest in a Restricted Global Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (2)(b) thereof;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) if such Restricted Definitive Note is being transferred to a QIB in accordance with Rule 144A, a certificate substantially in the form
of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such Restricted Definitive Note to be transferred bears the Regulation S Legend, a certificate substantially in the form of <U>Exhibit C</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) if such Restricted Definitive Note is being transferred to a <FONT STYLE="white-space:nowrap">Non-U.S.</FONT> Person in an offshore
transaction in accordance with Rule 903 or Rule 904, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(4) if such Restricted Definitive Note is being transferred pursuant to an exemption from the registration requirements of the Securities Act
in accordance with Rule 144, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(a) thereof; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(5) if such Restricted Definitive Note is being transferred to the Company or any of its
Subsidiaries, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(b) thereof; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(6) if such Restricted Definitive Note is being transferred pursuant to an effective registration statement under the Securities Act, a
certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(c) thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">the
Trustee shall cancel the Restricted Definitive Note and increase or cause to be increased the aggregate principal amount of, in the case of clause (1)&nbsp;above, the applicable Restricted Global Note, in the case of clause (2)&nbsp;above, the
applicable 144A Global Note, and in the case of clause (3)&nbsp;above, the applicable Regulation S Global Note. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)
<I>Restricted Definitive Notes to Beneficial Interests in Unrestricted Global Notes</I>. A Holder of a Restricted Definitive Note may exchange such Subordinated Note for a beneficial interest in an Unrestricted Global Note or transfer such
Restricted Definitive Note to a Person who takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the Holder of such Definitive Notes
proposes to exchange such Subordinated Notes for a beneficial interest in the Unrestricted Global Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(c) thereof; or (B)&nbsp;if
the Holder of such Definitive Notes proposes to transfer such Subordinated Notes to a Person who shall take delivery thereof in the form of a beneficial interest in the Unrestricted Global Note, a certificate from such Holder substantially in the
form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the Applicable Procedures so require, an
Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement
Legend applicable to such Restricted Definitive Note are no longer required in order to maintain compliance with the Securities Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Upon satisfaction of the conditions of this <U>Section 204(d)(ii)</U>, the Trustee shall
cancel the Restricted Definitive Note and increase or cause to be increased the aggregate principal amount of the Unrestricted Global Note. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Unrestricted Definitive Notes to Beneficial Interests in Unrestricted Global Notes</I>. A Holder of an Unrestricted
Definitive Note may exchange such Subordinated Note for a beneficial interest in an Unrestricted Global Note or transfer such Definitive Notes to a Person who takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note
at any time. Upon receipt of a request for such an exchange or transfer, the Trustee shall cancel the applicable Unrestricted Definitive Note and increase or cause to be increased the aggregate principal amount of one of the Unrestricted Global
Notes. If any such exchange or transfer from a Definitive Note to a beneficial interest is effected pursuant to subparagraphs (ii)&nbsp;or (iii) above at a time when an Unrestricted Global Note has not yet been issued, the Company shall issue and,
upon receipt of a Company Order for the authentication of one or more Unrestricted Global Notes in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, the Trustee shall authenticate one or more
Unrestricted Global Notes in an aggregate principal amount equal to the principal amount of Definitive Notes so exchanged or transferred. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>Transfer and Exchange of Definitive Notes for Definitive Notes</I>. Upon request by a Holder of Definitive Notes and such Holder&#146;s
compliance with the provisions of this <U>Section</U><U></U><U>&nbsp;205(e)</U> the Security Registrar shall register the transfer or exchange of Definitive Notes. Prior to such registration of transfer or exchange, the requesting Holder shall
present or surrender to the Security Registrar the Definitive Notes duly endorsed or accompanied by a written instruction of transfer in form satisfactory to the Security Registrar duly executed by such Holder or by its attorney, duly authorized in
writing. In addition, the requesting Holder shall provide<I> </I>any additional certifications, documents and information, as applicable, required pursuant to the following provisions of this <U>Section</U><U></U><U>&nbsp;205(e)</U>: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Restricted Definitive Notes to Restricted Definitive Notes</I>. Any Restricted Definitive Note may be transferred to and
registered in the name of Persons who take delivery thereof in the form of a Restricted Definitive Note if the Security Registrar receives the following: (1)&nbsp;if the transfer will be made to a QIB in accordance with Rule 144A, then the
transferor must deliver a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such Restricted Definitive Note to be transferred bears the Regulation S Legend, a
certificate substantially in the form of <U>Exhibit C</U>; (2)&nbsp;if the transfer will be made pursuant to Rule 903 or Rule 904, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the
certifications in item (2)&nbsp;thereof; or (3)&nbsp;if the transfer will be made pursuant to any other exemption from the registration requirements of the Securities Act, then the transferor must deliver a certificate in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications required by item (3)&nbsp;thereof, if applicable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Restricted Definitive Notes to Unrestricted Definitive Notes</I>.
Any Restricted Definitive Note may be exchanged by the Holder thereof for an Unrestricted Definitive Note or transferred to a Person or Persons who take delivery thereof in the form of an Unrestricted Definitive Note if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the Holder of such Restricted
Definitive Notes proposes to exchange such Subordinated Notes for an Unrestricted Definitive Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(d) thereof; or (B)&nbsp;if the
Holder of such Restricted Definitive Notes proposes to transfer such Subordinated Notes to a Person who shall take delivery thereof in the form of an Unrestricted Definitive Note, a certificate from such Holder substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so<I> </I>requests or if the Applicable Procedures so require, an
Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement
Legend applicable to such Restricted Definitive Note are no longer required in order to maintain compliance with the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Unrestricted Definitive Notes to Unrestricted Definitive Notes</I>. A Holder of Unrestricted Definitive Notes may
transfer such Subordinated Notes to a Person who takes delivery thereof in the form of an Unrestricted Definitive Note. Upon receipt of a request to register such a transfer, the Security Registrar shall register the Unrestricted Definitive Notes
pursuant to the instructions from the Holder thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Registered Exchange Offer</I>. Upon the occurrence of a Registered Exchange
Offer in accordance with the Registration Rights Agreement, the Company shall issue and the Trustee shall authenticate in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof (i)&nbsp;one or more
Unrestricted Global Notes in an aggregate principal amount equal to the principal amount of the beneficial interests in the Restricted Global Notes tendered for acceptance by Persons that provide certifications in the applicable Letter of
Transmittal or pursuant to the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
applicable Agent&#146;s Message in accordance with the Registration Rights Agreement, and accepted for exchange in a Registered Exchange Offer and (ii)&nbsp;Definitive Notes in an aggregate
principal amount equal to the principal amount of the Restricted Definitive Notes accepted for exchange in a Registered Exchange Offer. Concurrently with the issuance of such Notes, the Trustee shall cause the aggregate principal amount of the
applicable Restricted Global Notes to be reduced accordingly, and the Company shall execute and the Trustee shall authenticate and deliver to the Persons designated by the holders of Restricted Definitive Notes so accepted Unrestricted Definitive
Notes in the appropriate principal amount. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Legends</I>. The following legends shall appear on the face of all Global Notes and
Definitive Notes issued under the Subordinated Indenture unless specifically stated otherwise in the applicable provisions of the Subordinated Indenture: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>144A Legend</I>. Except as permitted by paragraph (iv)&nbsp;below, each 144A Global Note and each Definitive Note sold
in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall bear the legend in substantially the following form: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION EXEMPT FROM REGISTRATION UNDER SECTION 5 OF THE UNITED STATES
SECURITIES ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN APPLICABLE EXEMPTION THEREFROM. EACH PURCHASER OF AN
INTEREST IN THE SECURITY EVIDENCED HEREBY IS HEREBY NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A THEREUNDER. THE HOLDER OF ANY INTEREST IN THE SECURITY
EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, (A)&nbsp;UNTIL ONE YEAR (OR SUCH SHORTER PERIOD AS MAY BE PERMITTED UNDER RULE 144 UNDER THE SECURITIES ACT) AFTER FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED
INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE SECURITIES ACT, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE
903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER
AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION, (B)&nbsp;IN CONNECTION WITH ANY
OFFER, SALE OR TRANSFER PURSUANT TO (A)(2) OR (A)(5) ABOVE, SUBJECT TO THE RIGHT OF THE COMPANY AND TRUSTEE TO REQUEST IN ADVANCE OF ANY OFFER, SALE OR </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
OTHER TRANSFER, CERTIFICATIONS AND/OR OTHER INFORMATION, AND AN OPINION OF COUNSEL, IN EACH CASE SATISFACTORY TO THE COMPANY AND TRUSTEE AND (C)&nbsp;THE HOLDER OF AN INTEREST IN THE SECURITY
EVEIDENCED HEREBY WILL, AND EACH SUBSEQUENT HOLDER OF SUCH AN INTEREST IS REQUIRED TO, NOTIFY ANY PURCHASER OF ANY INTEREST IN THE SECURITY EVIDENCED HEREBY OF THE RESALE RESTRICTIONS SET FORTH IN CLAUSES (A)&nbsp;AND (B) ABOVE. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS LEGEND WILL BE REMOVED UPON THE REQUEST OF A HOLDER ONLY AT THE DIRECTION AND IN THE ABSOLUTE DISCRETION OF THE ISSUER AFTER THE RESALE RESTRICTION
TERMINATION DATE.&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Regulation S Legend</I>. Except as permitted by paragraph (iv)&nbsp;below, each Regulation
S Global Note and each Definitive Note sold in reliance on Rule 903 (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall bear the legend in substantially the following form: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION NOT SUBJECT TO REGISTRATION UNDER THE UNITED STATES SECURITIES
ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR IN A TRANSACTION EXEMPT FROM OR OTHERWISE NOT SUBJECT TO SUCH
REGISTRATION. THE HOLDER OF AN INTEREST IN THE SECURITY EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, UNTIL 40 DAYS BEGINNING ON AND INCLUDING THE LATER OF (I)&nbsp;THE DATE ON WHICH THE SECURITIES ARE OFFERED TO PERSONS OTHER THAN
DISTRIBUTORS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT) AND (II)&nbsp;FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY
BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE
SECURITIES ACT TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A AND WHICH TAKES DELIVERY OF AN INTEREST IN THE RULE 144A GLOBAL NOTE (AS DEFINED IN THE TWELFTH SUPPLEMENTAL INDENTURE) AND WHICH HAS FURNISHED TO THE
TRUSTEE OR ITS AGENT A CERTIFICATE REPRESENTING THAT THE TRANSFERREE IS PURCHASING AN INTEREST IN THE SUBORDINATED NOTES EVIDENCED HEREBY FOR ITS OWN ACCOUNT OR AN ACCOUNT WITH RESPECT TO WHICH IT EXERCISES SOLE INVESTMENT DISCRETION AND THAT IT AND
ANY SUCH ACCOUNT IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) AND IS AWARE THAT THE SALE TO IT IS BEING MADE IN RELIANCE ON RULE&nbsp;144A AND, IF APPLICABLE, ACKNOWLEDGING THAT IT HAS RECEIVED SUCH
INFORMATION REGARDING THE COMPANY AS SUCH TRANSFEREE HAS REQUESTED PURSUANT TO RULE&nbsp;144A OR HAS DETERMINED NOT TO REQUEST SUCH INFORMATION AND THAT IT IS AWARE THAT THE </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
TRANSFEROR IS RELYING UPON ITS FOREGOING REPRESENTATIONS IN ORDER TO CLAIM THE EXEMPTION FROM REGISTRATION PROVIDED BY RULE&nbsp;144A, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT
STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION
STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS
OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE FOREGOING LEGEND MAY BE REMOVED FROM THIS SECURITY AFTER 40 DAYS BEGINNING ON
AND INCLUDING THE LATER OF (A)&nbsp;THE DATE ON WHICH THE SECURITIES ARE OFFERED TO PERSONS OTHER THAN DISTRIBUTORS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT) AND (B)&nbsp;FEBRUARY&nbsp;11, 2021.&#148; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Global Note Legend</I>. Each Global Note shall bear a legend in substantially the following form (with appropriate
changes in the last sentence if DTC is not the Depositary): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THIS GLOBAL NOTE IS HELD BY THE DEPOSITARY (AS DEFINED IN THE SUBORDINATED INDENTURE
GOVERNING THIS SUBORDINATED NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT THAT (I)&nbsp;THE TRUSTEE MAY MAKE SUCH NOTATIONS HEREON AS MAY BE
REQUIRED PURSUANT TO <U>SECTION</U><U></U><U>&nbsp;205(h)</U> OF THE TWELFTH SUPPLEMENTAL INDENTURE, (II)&nbsp;THIS GLOBAL NOTE MAY BE EXCHANGED IN WHOLE BUT NOT IN PART PURSUANT TO <U>SECTION</U><U></U><U>&nbsp;205(a)</U> OF THE TWELFTH
SUPPLEMENTAL INDENTURE, (III)&nbsp;THIS GLOBAL NOTE MAY BE DELIVERED TO THE TRUSTEE FOR CANCELLATION PURSUANT TO SECTION 308 OF THE BASE INDENTURE AND (IV)&nbsp;THIS GLOBAL NOTE MAY BE TRANSFERRED TO A SUCCESSOR DEPOSITARY WITH THE PRIOR WRITTEN
CONSENT OF THE COMPANY. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR SUBORDINATED NOTES IN DEFINITIVE FORM, THIS SUBORDINATED NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE
OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (55 WATER STREET, NEW YORK, NEW YORK) (&#147;DTC&#148;) TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF
CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR SUCH OTHER ENTITY AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE
OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Notwithstanding the foregoing (i)&nbsp;and (ii), any Global Note or
Definitive Note issued pursuant to subparagraph (b)(iv), (c)(ii), (c)(iii), (d)(ii), (d)(iii), (e)(ii), (e)(iii) or (f)&nbsp;of this Section&nbsp;205 (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall not bear any
Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <I>Cancellation and/or Adjustment of Global Notes</I>. At such time as all beneficial interests in a
particular Global Note have been exchanged for Definitive Notes or a particular Global Note has been redeemed, repurchased or cancelled in whole and not in part, each such Global Note shall be returned to or retained and cancelled by the Trustee in
accordance with Section&nbsp;308 of the Base Indenture. At any time prior to such cancellation, if any beneficial interest in a Global Note is exchanged for or transferred to a Person who will take delivery thereof in the form of a beneficial
interest in another Global Note or for Definitive Notes, the principal amount of Notes represented by such Global Note shall be reduced accordingly and an endorsement shall be made on such Global Note by the Trustee or by the Depositary at the
direction of the Trustee to reflect such reduction; and if the beneficial interest is being exchanged for or transferred to a Person who will take delivery thereof in the form of a beneficial interest in another Global Note, such other Global Note
shall be increased accordingly and an endorsement shall be made on such Global Note by the Trustee or by the Depositary at the direction of the Trustee to reflect such increase. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>General Provisions Relating to Transfers and Exchanges.</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) To permit registrations of transfers and exchanges, the Company shall execute and the Trustee shall authenticate Global
Notes and Definitive Notes upon receipt of a Company Order for authentication thereof in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof or at the Security Registrar&#146;s request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) No service charge shall be made to a holder of a beneficial interest in a Global Note or to a Holder of a Definitive Note
for any registration of<I> </I>transfer or exchange, but the Company may require payment of a sum sufficient<I> </I>to cover any transfer tax or similar governmental charge payable in connection therewith (other than any such transfer taxes or
similar governmental charge payable upon exchange or transfer pursuant to Sections 304, 305, 306, 1106 and 1307 of the Base Indenture). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) The Company shall not be required (1)&nbsp;to issue, to register the transfer of or to exchange any Subordinated Notes
during a period beginning at the opening of business 15 days before the day of any selection of Subordinated Notes for redemption under <U>Section</U><U></U><U>&nbsp;203</U> hereof and ending at the close of business on the day of selection or
(2)&nbsp;to register the transfer of or to exchange a Subordinated Note between a Record Date (as defined in the Subordinated Notes) with respect to such Subordinated Note and the next succeeding Interest Payment Date with respect to such
Subordinated Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Neither the Security Registrar nor the Company shall be required to
register the transfer of or exchange any Subordinated Note selected for redemption in whole or in part. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) All Global
Notes and Definitive Notes issued upon any registration of transfer or exchange of Global Notes or Definitive Notes shall be the valid obligations of the Company, evidencing the same debt, and entitled to the same benefits under the Subordinated
Indenture, as the Global Notes or Definitive Notes surrendered upon such registration of transfer or exchange. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) Prior
to due presentment for the registration of a transfer of any Subordinated Note, the Trustee, any Paying Agent and the Company may deem and treat the Person in whose name any Subordinated Note is registered as the absolute owner of such Subordinated
Note for the purpose of receiving payment of principal of, premium, if any, and interest on such Subordinated Notes and for all other purposes, and none of the Trustee, any Paying Agent or the Company shall be affected by notice to the contrary.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) Upon surrender for registration of transfer of any Subordinated Note at the office or agency of the Company
designated pursuant to Section&nbsp;1202 of the Base Indenture, the Company shall execute, and the Trustee shall authenticate and mail, in the name of the designated transferee or transferees, one or more replacement Subordinated Notes of any
authorized denomination or denominations of a like aggregate principal amount. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) At the option of the Holder,
Subordinated Notes may be exchanged for other Subordinated Notes of any authorized denomination or denominations of a like aggregate principal amount upon surrender of the Subordinated Notes to be exchanged at such office or agency. Whenever any
Global Notes or Definitive Notes are so surrendered for exchange, the Company shall execute, and the Trustee shall authenticate and deliver, the replacement Global Notes and Definitive Notes which the Holder making the exchange is entitled to in
accordance with the provisions of Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) All certifications, certificates and Opinions of Counsel required to be submitted to the Security Registrar pursuant to
this <U>Section</U><U></U><U>&nbsp;205</U> to effect a registration of transfer or exchange may be submitted by facsimile or <FONT STYLE="white-space:nowrap">e-mail.</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) Neither the Trustee nor any Paying Agent shall have any responsibility or liability for any actions taken or not taken by
the Depositary. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) The Trustee shall have no obligation or duty to monitor, determine or
inquire as to compliance with any restrictions on transfer imposed under the Subordinated Indenture or under applicable law with respect to any transfer of any interest in any Subordinated Note other than to require delivery of such certificates and
other documentation or evidence as are expressly required by, and to do so if and when expressly required by the terms of, the Subordinated Indenture, and to examine the same to determine substantial compliance as to form with the express
requirements hereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) To the extent the Trustee reasonably requests such information, a Holder of Subordinated Notes
proposing to exchange or transfer such Subordinated Notes shall provide or cause to be provided to the Trustee sufficient information (but only to the extent that such Holder has knowledge of such information) to allow the Trustee to comply with any
applicable tax reporting obligations, including, without limitation, any cost basis reporting obligations under Section&nbsp;6045 of the Code. The Trustee may rely on the information provided to it and shall have no responsibility to verify or
ensure the accuracy of such information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;206 <I>Acceleration of Maturity</I>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The first paragraph of Section&nbsp;502 of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;If an Event of Default with respect to Subordinated Debt Securities of any series at the time Outstanding occurs, the principal of all
Outstanding Subordinated Debt Securities of such series, premium, if any, and any interest accrued thereon shall become due and payable immediately without any further action on the part of the Trustee or the Holders of such series of Subordinated
Debt Securities. Upon payment of such amounts, all obligations of the Company in respect of the payment of principal of and interest on the Subordinated Debt Securities of such series shall terminate.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;207 <I>Supplemental Indentures Without Consent of Holders.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1101 of the Base Indenture is amended to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Replace Section&nbsp;1101(2) in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(2) to add to the covenants of the Company, for the benefit of the Holders of all or any series of Subordinated Debt
Securities (and, if such covenants are to be for the benefit of less than all such series, stating that such covenants are expressly being included solely for the benefit of such series), to surrender any right or power herein conferred upon the
Company, or to provide for guarantees of the Subordinated Notes; or&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Replace Section&nbsp;1101(10) in its
entirety with the following: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(10) to cure any ambiguity, to correct or supplement any provision herein that may be
defective or inconsistent with any other provision herein, or to make any other provisions with respect to matters or questions arising under the Subordinated Indenture, including, without limitation, to reflect the occurrence of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
a Benchmark Substitution Event (as defined in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> to the Twelfth Supplemental Indenture) or the implementation of any Adjustments (as
defined in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> to the Twelfth Supplemental Indenture) following a Benchmark Substitution Event, provided such other provisions shall not adversely affect the interests of the Holders of
Outstanding Subordinated Debt Securities of any series created prior to the execution of such supplemental indenture in any material respect; provided, further, that solely with respect to the making of other provisions (and, for the avoidance of
doubt, excluding the curing of any ambiguity and the correcting or supplementing of any provision herein that may be defective or inconsistent with any other provision herein) pursuant to this Section&nbsp;1101(10), the Trustee shall be entitled to
receive and may conclusively rely on an Officer&#146;s Certificate from the Company that any such other provision does not adversely affect the interests of the Holders of Outstanding Subordinated Debt Securities of any series created prior to the
execution of such supplemental indenture in any material respect; or&#148;; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Add the following immediately after
Section&nbsp;1101(10): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(11) to make any change that does not materially adversely affect the interests of the
Holders of Outstanding Subordinated Debt Securities of any series; <I>provided </I>that solely with respect to this Section&nbsp;1101(11), the Trustee shall be entitled to receive and may conclusively rely on an Officer&#146;s Certificate from the
Company that any such modification, amendment or supplement does not materially adversely affect the interests of any Holder of Outstanding Subordinated Debt Securities of any series; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(12) to conform the terms of the Subordinated Debt Securities or this Subordinated Indenture with the description set forth in
any offering memorandum or other similar document relating to such Subordinated Debt Securities.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;208 <I>Corporate
Trust Office</I>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to the Subordinated Notes, the principal corporate trust office of the Trustee named in the preamble of
the Base Indenture as of the date of executed hereof is located at 240 Greenwich Street, New York, New York 10286. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;209
<I>Notice of Defaults.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;602 of the Base Indenture is amended to delete the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;either (A)&nbsp;a Responsible Officer of the Trustee assigned to the Trustee&#146;s Corporate Trust Administration Department shall have
actual knowledge of such default or (B)&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;210 <I>Registration Rights Agreement</I>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to the rights set forth under the Indenture, under the Registration Rights Agreement, Holders of Subordinated Notes and owners of
beneficial interests therein may be entitled to the benefits of certain provisions of the Registration Rights Agreement. By its acceptance of an interest in the Notes, each Holder or owner of a beneficial interest in a Subordinated Note is deemed to
have acknowledged and agreed to be bound by the provisions of the Registration Rights Agreement. The Company will provide a copy of the Registration Rights Agreement to any such Holder. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">MISCELLANEOUS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;301 <I>Effect of Headings.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Article and Section headings herein are for convenience only and shall not affect the construction hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;302 <I>Successors and Assigns.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All covenants and agreements in this Twelfth Supplemental Indenture by the parties hereto shall bind their respective successors and assigns
and inure to the benefit of their permitted successors and assigns, whether so expressed or not. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;303 <I>Separability
Clause.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case any provision in this Twelfth Supplemental Indenture or in the Subordinated Notes shall be invalid, illegal or
unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;304 <I>Governing Law.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Twelfth Supplemental Indenture and the Subordinated Notes shall be deemed to be contracts made and to be performed entirely in the State
of New York, and for all purposes shall be governed by and construed in accordance with the laws of said State without regard to the conflicts of law rules of said State. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;305 <I>U.S.A. PATRIOT Act.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The parties hereto acknowledge that in accordance with Section&nbsp;326 of the U.S.A. PATRIOT Act, the Trustee is required to obtain, verify,
and record information that identifies each person or legal entity that establishes a relationship or opens an account with the Trustee. The parties to this Twelfth Supplemental Indenture agree that they will provide the Trustee with such
information as the Trustee may request in order for the Trustee to satisfy the requirements of the U.S.A. PATRIOT Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;306
<I>FATCA.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Paying Agent and the Trustee shall be entitled to deduct or withhold from payments under this Twelfth Supplemental
Indenture to the extent necessary to comply with an agreement described in Section&nbsp;1471(b) of the Code or otherwise imposed pursuant to Sections 1471 through 1474 of the Code and any regulations or agreements thereunder or official
interpretations thereof </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(&#147;<I>FATCA</I>&#148;). The Company hereby covenants that it will provide the Trustee and Paying Agent with sufficient information (but only to the extent that the Company has knowledge of
such information) so as to enable the Trustee and Paying Agent to determine whether or not each of the Trustee and Paying Agent, respectively, is obliged, in respect of any payments to be made by it pursuant to this Twelfth Supplemental Indenture,
to make any withholding or deduction pursuant to an agreement described in Section&nbsp;1471(b) of the Code, or otherwise imposed pursuant to Section&nbsp;1471 through 1474 of the Code and any regulations, or agreements thereunder or official
interpretations thereof or any intergovernmental agreement between the United States and another jurisdiction facilitating the implementation thereof (or any law implementing such an intergovernmental agreement). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;307 <I>Electronic</I><I> Communications.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee shall have the right to accept and act upon instructions, including funds transfer instructions (&#147;<I>Instructions</I>&#148;)
given pursuant to this Twelfth Supplemental Indenture and the Base Indenture and delivered using Electronic Means; provided, however, that the Company shall provide to the Trustee an incumbency certificate listing officers with the authority to
provide such Instructions (&#147;<I>Authorized Officers</I>&#148;) and containing specimen signatures of such Authorized Officers, which incumbency certificate shall be amended by the Company whenever a person is to be added or deleted from the
listing.&nbsp;If the Company elects to give the Trustee Instructions using Electronic Means and the Trustee in its discretion elects to act upon such Instructions, the Trustee&#146;s understanding of such Instructions shall be deemed
controlling.&nbsp;The Company understands and agrees that the Trustee cannot determine the identity of the actual sender of such Instructions and, if the Trustee believes in good faith that such Instructions are genuine and from the person
purporting to be the sender of such Instructions, that the Trustee shall have the right to conclusively presume that directions that purport to have been sent by an Authorized Officer listed on the incumbency certificate provided to the Trustee have
been sent by such Authorized Officer.&nbsp;The Company shall be responsible for ensuring that only Authorized Officers transmit such Instructions to the Trustee and that the Company and all Authorized Officers are solely responsible to safeguard the
use and confidentiality of applicable user and authorization codes, passwords and/or authentication keys upon receipt by the Company.&nbsp;The Trustee shall not be liable for any losses, costs or expenses arising directly or indirectly from the
Trustee&#146;s reliance upon and compliance with such Instructions notwithstanding such directions conflict or are inconsistent with a subsequent written instruction, unless such losses, costs or expenses were caused by the Trustee&#146;s gross
negligence, bad faith, fraud or willful misconduct.&nbsp;The Company agrees: (i)&nbsp;subject to the immediately preceding sentence, to assume all risks arising out of the use of Electronic Means to submit Instructions to the Trustee, including
without limitation the risk of the Trustee acting on unauthorized Instructions, and the risk of interception and misuse by third parties; (ii)&nbsp;that it is fully informed of the protections and risks associated with the various methods of
transmitting Instructions to the Trustee and that there may be more secure methods of transmitting Instructions than the method(s) selected by the Company; (iii)&nbsp;that the security procedures (if any) to be followed in connection with its
transmission of Instructions provide to it a commercially reasonable degree of protection in light of its particular needs and circumstances; and (iv)&nbsp;to notify the Trustee immediately upon learning of any material compromise or unauthorized
use of the security procedures to be followed in connection with its transmission of Instructions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Electronic Means</I>&#148; shall mean the following communications methods: <FONT
STYLE="white-space:nowrap">e-mail,</FONT> facsimile transmission, secure electronic transmission containing applicable authorization codes, passwords and/or authentication keys issued by the Trustee, or another method or system specified by the
Trustee as available for use in connection with its services hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;308 <I>Funds Held by </I><I>the</I><I> Trustee.</I>
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Funds held by the Trustee are to be held uninvested unless otherwise agreed in writing; <I>provided</I> that no such written agreement
shall be required with respect to U.S. Government Obligations deposited with the Trustee in accordance with <U>Article XIV</U> of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">* * * * * </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This instrument may
be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. As provided in the New York Electronic Signatures and
Records Act (N.Y. State Tech. &#167;&#167; <FONT STYLE="white-space:nowrap">301-309),</FONT> this instrument may be executed by facsimile signature or other electronic signature complying with such Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Twelfth Supplemental Indenture to be
duly executed as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Senior Vice President and Assistant Secretary</TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE BANK OF NEW YORK MELLON,</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">as
Trustee</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Laurence J. O&#146;Brien</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Laurence J. O&#146;Brien</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Vice President</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to the Twelfth Supplemental Indenture] </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;A </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EACH PURCHASER OR HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT
(A)&nbsp;IT IS NOT A PLAN (INCLUDING A PENSION, PROFIT-SHARING OR OTHER EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (&#147;ERISA&#148;), AND AN ENTITY SUCH AS A COLLECTIVE INVESTMENT FUND, A
PARTNERSHIP, A SEPARATE ACCOUNT WHOSE UNDERLYING ASSETS INCLUDE THE ASSETS OF SUCH PLANS, AN INDIVIDUAL RETIREMENT ACCOUNT, A KEOGH PLAN FOR SELF-EMPLOYED INDIVIDUALS AND ANY OTHER PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE &#147;CODE&#148;)) AND ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES IS NOT MADE ON BEHALF OF OR WITH &#147;PLAN ASSETS&#148; OF ANY PLAN WITHIN THE MEANING OF U.S. DEPARTMENT OF LABOR REGULATION SECTION <FONT
STYLE="white-space:nowrap">2510.3-101</FONT> AS MODIFIED BY ERISA SECTION 3(42), OR (B)&nbsp;ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES WILL NOT RESULT IN A NONEXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE. IN ADDITION, EACH PURCHASER OR HOLDER OF THE NOTES OR ANY INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT SUCH PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION IS NOT AND WILL NOT BE
PROHIBITED UNDER SIMILAR RULES TO THE &#147;PROHIBITED TRANSACTION&#148; RULES OF ERISA OR SECTION 4975 OF THE CODE UNDER OTHER APPLICABLE LAWS OR REGULATIONS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BY ITS ACCEPTANCE OF AN INTEREST IN THIS SUBORDINATED NOTE, EACH HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN IS DEEMED TO HAVE ACKNOWLEDGED AND
AGREED TO BE BOUND BY THE PROVISIONS OF THE REGISTRATION RIGHTS AGREEMENT. THE COMPANY WILL PROVIDE A COPY OF THE REGISTRATION RIGHTS AGREEMENT TO A HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN WITHOUT CHARGE UPON WRITTEN REQUEST TO ITS
PRINCIPAL PLACE OF BUSINESS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>[CUSIP]<SUP STYLE="font-size:85%; vertical-align:top">1</SUP> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>[ISIN]<SUP STYLE="font-size:85%; vertical-align:top">2</SUP> </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[RULE 144A] [REGULATION S] [GLOBAL] NOTE </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>representing up to </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A CUSIP: 174610AZ8 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S CUSIP: U1745PAG4 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A ISIN: US174610AZ87 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S ISIN: USU1745PAG47 </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>
$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>4.300% Fixed Rate Reset
Subordinated Notes due 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;No.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation, promises to pay to ________or registered assigns, the
principal sum [set forth on the Schedule of Exchanges of Interests in the Global Note attached hereto] [of _______ United States Dollars] on February&nbsp;11, 2031. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest Payment Dates: Beginning on August&nbsp;11, 2021, February&nbsp;11 and August&nbsp;11 of each year </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Record Dates: January&nbsp;27 and July&nbsp;27 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additional provisions of this Subordinated Note are set forth on the other side of this Subordinated Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-A-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS HEREOF, the Company has caused this Subordinated Note to be duly executed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Subordinated Notes referred to in the within-mentioned Subordinated Indenture: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE BANK OF NEW YORK MELLON,</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">as
Trustee</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Back of Subordinated Note] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4.300% Fixed Rate Reset Subordinated Notes due 2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Capitalized terms used herein shall have the meanings assigned to them in the Subordinated Indenture referred to below unless otherwise
indicated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. INTEREST. Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), promises to pay interest on the principal
amount of this Subordinated Note at a rate per annum equal to (a)&nbsp;from February&nbsp;11, 2021 to, but excluding, February&nbsp;11, 2026 (the &#147;Reset Date&#148;), 4.300% and (b)&nbsp;from and including the Reset Date to, but excluding
February&nbsp;11, 2031 (the &#147;Maturity Date&#148;), the Five-Year U.S. Treasury Rate as of the day falling two Business Days prior to the Reset Date (the &#147;Reset Determination Date&#148;) <I>plus</I> 2.5%, in each case, computed on the basis
of a <FONT STYLE="white-space:nowrap">360-day</FONT> year comprised of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. The Company will pay interest on this Subordinated Note (i)&nbsp;semi-annually in arrears on February&nbsp;11 and
August&nbsp;11 of each year (each, an &#147;Interest Payment Date&#148;) or, if any such day is not a Business Day, on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date to the Holder of record
of this Subordinated Note on the 15th day preceding the applicable Interest Payment Date with respect to such Interest Payment Date (each, a &#147;Record Date&#148;). Interest on this Subordinated Note will accrue from the most recent date to which
interest has been paid or, if no interest has been paid, from and including February&nbsp;11, 2021; provided that the first Interest Payment Date shall be August&nbsp;11, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The &#147;<U>Five-Year U.S. Treasury Rate</U>&#148; means, as of the Reset Determination Date, (i)&nbsp;the average of the yields on actively
traded U.S. Treasury securities adjusted to constant maturity, for five-year maturities, for the five Business Days appearing (or, if fewer than five Business Days appear, such number of Business Days appearing) under the caption &#147;Treasury
Constant Maturities&#148; in the most recently published H.15 as of 5:00 p.m. (Eastern Time) (the &#147;Initial Base Rate&#148;) or (ii)&nbsp;if there are no such published yields on actively traded U.S. Treasury securities adjusted to constant
maturity, for five-year maturities, then the rate will be determined by interpolation between the average of the yields on actively traded U.S. Treasury securities adjusted to constant maturity for two series of actively traded U.S. Treasury
securities, (A)&nbsp;one maturing as close as possible to, but earlier than, the Maturity Date, and (B)&nbsp;the other maturing as close as possible to, but later than, the Maturity Date, in each case for the five business days appearing (or, if
fewer than five business days appear, such number of business days appearing) in the H.15 as of 5:00 p.m. (Eastern Time). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding
the foregoing, if the Company, in its sole discretion, determines on or prior to the Reset Determination Date that the Five-Year U.S. Treasury Rate cannot be determined in the manner described in the immediately preceding paragraph (a
&#147;Benchmark Substitution Event&#148;), the Company may, in its sole discretion, designate an unaffiliated agent or advisor (the &#147;Designee&#148;), to determine whether there is an industry-accepted successor rate to the Initial Base Rate. If
the Designee determines that there is such an industry-accepted successor rate, then the &#147;Five-Year U.S. Treasury Rate&#148; shall be such successor rate and, in that case, the Designee may then determine and adjust the business day convention,
the definition of business day and the Reset Determination Date to be used and any other relevant methodology for determining or otherwise calculating such successor rate, including any adjustment factor needed to make such successor rate comparable
to the Initial Base Rate, in each case, in a manner that is consistent with industry-accepted practices for the use of such successor rate (the &#147;Adjustments&#148;). If the Company, in its sole discretion, does not designate a Designee or if the
Designee determines that there is no industry-accepted successor rate to the Initial Base Rate, then the Five-Year U.S. Treasury Rate will be 0.424%. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;1, &#147;Business Day&#148; means any day that is not a
Saturday, a Sunday, a legal holiday or a day on which banking institutions or trust companies in the City of New York are authorized or obligated by law to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;H.15&#148; means the daily statistical release designated as such, or any successor publication, published by the Federal Reserve or any
successor. The interest rate for this Subordinated Note following the Reset Date will be determined by the Calculation Agent (as defined below), as of the Reset Determination Date. The Calculation Agent&#146;s determination of any interest rate this
Subordinated Note will be final and binding in the absence of manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless this Subordinated Note is redeemed in whole on the
Reset Date, the Company will appoint a calculation agent (the &#147;Calculation Agent&#148;) for this Subordinated Note prior to the Reset Determination Date. The Calculation Agent may be the Company or an affiliate thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. METHOD OF PAYMENT. The Company will pay interest on this Subordinated Note to the Person that is the registered Holder of this Subordinated Note at the
close of business on the Record Date (whether or not a Business Day) next preceding the Interest Payment Date, even if this Subordinated Note is cancelled after such Record Date and on or before such Interest Payment Date, except as provided in
Section&nbsp;307 of the Base Indenture with respect to Defaulted Interest. Notwithstanding the foregoing, the interest payment at Maturity will be payable to the person to whom principal is payable. Payment of interest may be made by check mailed to
the Holders at their addresses set forth in the Security Register of Holders; <I>provided</I> that (a)&nbsp;all payments of principal, premium, if any, and interest on, Subordinated Notes represented by Global Notes registered in the name of or held
by DTC or its nominee will be made by wire transfer of immediately available funds to the accounts specified by the Holder or Holders thereof or as may otherwise be in accordance with the Applicable Procedures of DTC and (b)&nbsp;all payments of
principal, premium, if any, and interest with respect to certificated Subordinated Notes will be made by wire transfer to a U.S. dollar account maintained by the payee with a bank in the United States if such Holder elects payment by wire transfer
by giving written notice to the Trustee or the Paying Agent to such effect designating such account no later than 30 days immediately preceding the relevant due date for payment (or such other date as the Trustee may accept in its discretion). Such
payment shall be in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. PAYING AGENT AND REGISTRAR. Initially, The Bank of New York Mellon, the Trustee under the Subordinated Indenture, will act as Paying Agent and Security
Registrar. The Company may change any Paying Agent or Security Registrar without notice to the Holders. The Company or any of its Subsidiaries may act in any such capacity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. SUBORDINATED INDENTURE. The Company issued the Subordinated Notes under a Subordinated Indenture, dated
as of September&nbsp;28, 2012 (the &#147;Base Indenture&#148;), as amended and supplemented by an Twelfth Supplemental Indenture, dated as of February&nbsp;11, 2021 (the &#147;Twelfth Supplemental Indenture,&#148; and the Base Indenture, as amended
and supplemented, including by the Twelfth Supplemental Indenture, the &#147;Subordinated Indenture&#148;), each between the Company and the Trustee. This Subordinated Note is one of a duly authorized issue of Subordinated Debt Securities of the
Company designated as its &#147;4.300% Fixed Rate Reset Subordinated Notes due 2031&#148;. To the extent any provision of this Subordinated Note conflicts with the express provisions of the Subordinated Indenture, the provisions of the Subordinated
Indenture shall govern and be controlling. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. REDEMPTION. Except as described below, the Subordinated Notes shall not be redeemable at the Company&#146;s
option: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole but not in part,
on the Reset Date; (ii)&nbsp;in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory Capital Treatment Event. Any such
redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the redemption price shall be equal to 100% of the
Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date (the &#147;Redemption Price&#148;). If the Redemption Price in respect of the Subordinated
Notes is not paid on the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by Section&nbsp;203 of the Twelfth Supplemental Indenture, any redemption of the
Subordinated Notes under Section&nbsp;203 of the Twelfth Supplemental Indenture is subject to the terms and conditions of Article XIII of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">6. MANDATORY REDEMPTION, SINKING FUND. The Company shall not be required to make mandatory redemption or sinking fund payments with respect to the
Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">7. DEFEASANCE. The Subordinated Notes will be subject to defeasance and covenant defeasance pursuant to Article XIV of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">8. DENOMINATIONS, TRANSFER, EXCHANGE. The Subordinated Notes are in registered form without coupons in a minimum denomination of $2,000 and
authorized denominations of any integral multiples of $1,000 in excess thereof. The transfer of Subordinated Notes may be registered and Subordinated Notes may be exchanged as provided in the Subordinated Indenture. The Security Registrar and the
Trustee may require a Holder, among other things, to furnish appropriate endorsements and transfer documents and the Company may require a Holder to pay any taxes and fees required by law or permitted by the Subordinated Indenture. The Company need
not exchange or register the transfer of any Subordinated Note or portion of a Subordinated Note selected for redemption. Also, the Company need not exchange of register the transfer of any Subordinated Notes for a period of 15 days before a
selection of Subordinated Notes to be redeemed. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">9. PERSONS DEEMED OWNERS. The registered Holder of a Subordinated Note may be treated as its owner for all
purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">10. AMENDMENT, SUPPLEMENT AND WAIVER. The Subordinated Indenture or the Subordinated Notes may be amended or supplemented as provided in the
Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11. DEFAULTS AND REMEDIES. The only Events of Default with respect to the Subordinated Notes are set forth in Article V of the
Base Indenture. If an Event of Default with respect to the Subordinated Notes occurs, the principal of all Outstanding Subordinated Notes and any accrued and unpaid interest thereon shall become due and payable immediately without any further action
on the part of the Trustee or the Holders. Holders may not enforce the Subordinated Indenture or the Subordinated Notes except as provided in the Subordinated Indenture. Subject to certain limitations, Holders of not less than a majority in
principal amount of the Outstanding Subordinated Notes may direct the Trustee in its exercise of any trust or power. The Trustee may withhold from Holders of the Subordinated Notes notice of any default under the Subordinated Indenture (except a
default relating to the payment of principal of, premium, if any, or interest on the Subordinated Notes) if it determines that withholding notice is in their interest. The Holders of not less than a majority in principal amount of the Outstanding
Subordinated Notes may on behalf of the Holders of all of the Subordinated Notes waive any past default or its consequences under the Subordinated Indenture, except a default in payment of the principal of, premium, if any, or interest on, any of
the Subordinated Notes. The Company is required to deliver to the Trustee annually a statement regarding compliance with the Subordinated Indenture, and the Company is required to give prompt written notice to the Trustee of any insolvency,
bankruptcy, receivership, conservatorship, reorganization, readjustment of debt, marshaling of assets and liabilities or similar proceedings or any liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> or relating to the
Company as a whole, whether voluntary or involuntary, or of any default with respect to any Senior Indebtedness that would prevent the Trustee from making any payment in respect of the Subordinated Notes under Section&nbsp;1501 of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12. AUTHENTICATION. This Subordinated Note shall not be entitled to any benefit under the Subordinated Indenture or be valid or obligatory for
any purpose until authenticated by the Trustee in accordance with the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">13. GOVERNING LAW. THE SUBORDINATED INDENTURE AND THIS
SUBORDINATED NOTE SHALL BE DEEMED TO BE CONTRACTS MADE AND TO BE PERFORMED ENTIRELY IN THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE WITHOUT REGARD TO THE CONFLICTS OF LAW
RULES OF SAID STATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">14. CUSIP NUMBERS AND ISIN. Pursuant to a recommendation promulgated by the Committee on Uniform Security Identification Procedures,
the Company has caused CUSIP numbers and ISINs to be printed on the Subordinated Notes and the Trustee may use CUSIP numbers and ISINs in notices of redemption as a convenience to Holders. No representation is made as to the accuracy of such numbers
either as printed on the Subordinated Notes or as contained in any notice of redemption and reliance may be placed only on the other identification numbers placed thereon. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company will furnish to any Holder upon written request and without charge a copy of the Subordinated
Indenture. Requests may be made to the Company at the following address: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax No.: <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">203-583-4937</FONT></FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Robin S. Elkowitz </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ASSIGNMENT FORM </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To assign this Subordinated Note, fill in the form below: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s legal name)
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s social security or tax I.D. no.) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Print or type assignee&#146;s name,
address and zip code) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and irrevocably appoint __________________________________________________________ to transfer this Subordinated Note on the books
of the Company. The agent may substitute another to act for him. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="40%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: ______________________</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Your&nbsp;Signature:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(Please sign exactly as your name appears on the face of this Subordinated Note)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: _____________________________________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Trustee). </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE OF EXCHANGES OF INTERESTS IN THE GLOBAL NOTE* </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The initial Outstanding principal amount of this Global Note is $[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]. The following exchanges of a part of
this Global Note for an interest in another Global Note or for a Definitive Note, or exchanges of a part of another Global or Definitive Note for an interest in this Global Note, have been made: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="24%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Date of<BR>Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>decrease in<BR>Principal<BR>Amount of this<BR>Global
Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>increase in<BR>Principal<BR>Amount of this<BR>Global
Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount&nbsp;of&nbsp;this</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global&nbsp;Note</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">following&nbsp;such</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease&nbsp;or</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature&nbsp;of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">authorized<BR>officer&nbsp;of&nbsp;Trustee</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">or&nbsp;Custodian</P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">This schedule should be included only if the Subordinated Note is issued in global form </P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;B </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF TRANSFEROR CERTIFICATE OF TRANSFER </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon 240 Greenwich
Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10286 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Re: <U>4.300% Fixed Rate Reset Subordinated Notes due 2031</U> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28, 2012, as amended and supplemented by the Twelfth
Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York Mellon. Capitalized terms used but not defined
herein shall have the meanings given to them in the Subordinated Indenture. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</U>(the &#147;Transferor&#148;) owns and proposes to transfer the Subordinated Note[s] or interest in such Subordinated Note[s] specified in Annex A hereto, in the principal amount of
$<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </U>in such Subordinated Note[s] or interests (the &#147;Transfer&#148;),
to<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> (the &#147;Transferee&#148;), as further specified in Annex A hereto. In connection with the
Transfer, the Transferor hereby certifies that: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ALL THAT APPLY] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. [ ] CHECK IF TRANSFEREE WILL TAKE DELIVERY OF A BENEFICIAL INTEREST IN THE RELEVANT 144A GLOBAL NOTE OR RELEVANT DEFINITIVE NOTE PURSUANT TO RULE 144A. The
Transfer is being effected pursuant to and in accordance with Rule 144A and, accordingly, the Transferor hereby further certifies that the interest in the Subordinated Note[s] is being transferred to a Person that the Transferor reasonably believes
is purchasing such interest in the Subordinated Note[s] for its own account, or for an account with respect to which such Person exercises sole investment discretion, such Person and each such account is a &#147;qualified institutional buyer&#148;
(as defined in Rule 144A), and such Person is aware that the sale to it is being made in reliance on Rule 144A. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. [ ] CHECK IF TRANSFEREE WILL TAKE
DELIVERY OF A BENEFICIAL INTEREST IN THE RELEVANT REGULATION S GLOBAL NOTE OR RELEVANT DEFINITIVE NOTE PURSUANT TO REGULATION S. The Transfer is being effected pursuant to and in accordance with Rule 903 or Rule 904 of Regulation S promulgated under
the Securities Act and, accordingly, the Transferor hereby further certifies that (i)&nbsp;the Transfer is not being made to a person in the United States and (x)&nbsp;at the time the buy order was originated, the Transferee was outside the United
States or such Transferor and any Person acting on its behalf reasonably believed and believes that the Transferee was outside the United States or (y)&nbsp;the transaction was executed in, on or through the facilities of a designated offshore
securities market and neither such Transferor nor any Person acting on its behalf knows that the transaction was prearranged with a buyer in the United States, (ii)&nbsp;no directed </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
selling efforts have been made in contravention of the requirements of Rule 903(b) or Rule 904(b) of Regulation S, (iii)&nbsp;the transaction is not part of a plan or scheme to evade the
registration requirements of the Securities Act and (iv)&nbsp;if the proposed transfer is being made prior to the expiration of the applicable Restricted Period, the transfer is not being made to a U.S. Person or for the account or benefit of a U.S.
Person (other than an Initial Purchaser). Upon consummation of the proposed transfer in accordance with the terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will be subject to the restrictions on Transfer
enumerated in the Subordinated Indenture and the Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. [ ] CHECK AND COMPLETE IF TRANSFEREE WILL TAKE DELIVERY OF A BENEFICIAL INTEREST IN
THE RELEVANT DEFINITIVE NOTE PURSUANT TO ANY PROVISION OF THE SECURITIES ACT OTHER THAN RULE 144A OR REGULATION S. The Transfer is being effected in compliance with the transfer restrictions applicable to beneficial interests in Restricted Global
Notes and Restricted Definitive Notes and pursuant to and in accordance with the Securities Act and any applicable blue sky securities laws of any state of the United States, and accordingly the Transferor hereby further certifies that (check one):
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected pursuant to and in accordance with Rule 144 under the Securities Act; or
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected to the Company or a subsidiary thereof; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected pursuant to an effective registration Statement under the Securities Act
and in compliance with the prospectus delivery requirements of the Securities Act. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. [ ] CHECK IF TRANSFEREE WILL TAKE DELIVERY OF A
BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OR OF AN UNRESTRICTED DEFINITIVE NOTE. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO RULE 144. (i) The Transfer is being effected pursuant to and in accordance
with Rule 144 promulgated under the Securities Act and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky securities laws of any state of the United States and (ii)&nbsp;the restrictions
on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon consummation of the proposed Transfer in accordance with the terms of the
Subordinated Indenture, the transferred beneficial interest or Definitive Note will no longer be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the Restricted Global Notes, on Restricted Definitive
Notes and in the Subordinated Indenture. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO REGULATION S. (i)&nbsp;The Transfer is being effected pursuant to and in
accordance with Rule 903 or Rule 904 of Regulation S promulgated under the Securities Act and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky securities laws of any state of the United
States and (ii)&nbsp;the restrictions on transfer contained in the </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon consummation of the proposed Transfer in accordance with the
terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will no longer be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the Restricted Global Notes, on Restricted
Definitive Notes and in the Subordinated Indenture. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO OTHER EXEMPTION. (i)&nbsp;The Transfer is being effected pursuant to and
in compliance with an exemption from the registration requirements of the Securities Act other than Rule 144, Rule 903 or Rule 904 and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky
securities laws of any State of the United States and (ii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon
consummation of the proposed Transfer in accordance with the terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will not be subject to the restrictions on transfer enumerated in the Private Placement Legend
printed on the Restricted Global Notes or Restricted Definitive Notes and in the Subordinated Indenture. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferor]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">ANNEX A TO CERTIFICATE OF TRANSFER </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Transferor owns and proposes to transfer the following: </P></TD></TR></TABLE>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ONE OF (a)&nbsp;OR (b)] </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a beneficial interest in the: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] 144A Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP
STYLE="font-size:85%; vertical-align:top">3</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Regulation S Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP
STYLE="font-size:85%; vertical-align:top">4</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a Restricted Definitive Note. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">After the Transfer the Transferee will hold: </P></TD></TR></TABLE>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ONE] </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a beneficial interest in the: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] 144A Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP
STYLE="font-size:85%; vertical-align:top">1</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Regulation S Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP
STYLE="font-size:85%; vertical-align:top">2</SUP>)or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Unrestricted Global Note ([&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]); or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a Restricted Definitive Note; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] an Unrestricted Definitive Note, in accordance with the terms of the Subordinated Indenture.
</P></TD></TR></TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A Initial CUSIP: 174610AZ8 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">4</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S Initial CUSIP: U1745PAG4 </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;C </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF TRANSFEREE CERTIFICATE OF TRANSFER </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon 240 Greenwich
Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10286 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Re: <U>4.300% Fixed Rate Reset Subordinated Notes due 2031</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28, 2012, as amended and supplemented by the Twelfth
Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York Mellon. Capitalized terms used but not defined
herein shall have the meanings given to them in the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">_______________(the &#147;Transferor&#148;) owns and proposes
to transfer the Subordinated Note[s] or interest in such Subordinated Note[s] specified in Annex A hereto, in the principal amount of $_____________ in such Subordinated Note[s] or interests (the &#147;Transfer&#148;), to___________ (the
&#147;Transferee&#148;), as further specified in Annex A hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the Transfer, the Transferee hereby certifies that:
The Transfer is being effected pursuant to and in accordance with Rule 144A and, accordingly, the Transferee hereby certifies that the Transferee is purchasing an interest in the Subordinated Note[s] for its own account or an account with respect to
which it exercise sole investment discretion and that it and any such account is a &#147;qualified institutional buyer&#148; (as defined in Rule 144A) and is aware that the sale to it is being made in reliance on Rule 144A. [<I>Include if applicable
under Rule 144A(d)</I>: The Transferee acknowledges that it has received such information regarding the Company as it has requested pursuant to Rule 144A or has determined not to request such information and that it is aware that the Transferor is
relying upon its foregoing representations in order to claim the exemption from registration provided by Rule 144A.] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferee]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date:
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp; </U> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;D </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF CERTIFICATE OF EXCHANGE </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens
Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT
06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon 240 Greenwich Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New
York, New York 10286 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Re: <U>4.300% Fixed Rate Reset Subordinated Notes due 2031</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28, 2012, as amended and supplemented by the Twelfth
Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York Mellon. Capitalized terms used but not defined
herein shall have the meanings given to them in the Subordinated Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</U>(the &#147;Owner&#148;) owns and proposes to exchange the Subordinated Note[s] or interest in such Subordinated Note[s] specified herein, in the principal amount of
$<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </U>in such Subordinated Note[s] or interests (the &#147;Exchange&#148;). In connection with the
Exchange, the Owner hereby certifies that: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1) EXCHANGE OF RESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN A RESTRICTED GLOBAL NOTE FOR
UNRESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME SERIES </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a) [ ] CHECK IF
EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL NOTE TO BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for a
beneficial interest in an Unrestricted Global Note of the same series in an equal principal amount, the Owner hereby certifies (i)&nbsp;the beneficial interest is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such
Exchange has been effected in compliance with the transfer restrictions applicable to the Global Notes and pursuant to and in accordance with the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), (iii) the restrictions on transfer
contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the beneficial interest in an Unrestricted Global Note is being acquired in compliance
with any applicable blue sky securities laws of any state of the United States. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL
NOTE TO UNRESTRICTED DEFINITIVE NOTE OF THE SAME SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for an Unrestricted Definitive Note of the same series, the Owner hereby certifies
(i)&nbsp;the Definitive Note is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to the Restricted Global Notes and pursuant to and in
accordance with the Securities Act, (iii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the
Definitive Note is being acquired in compliance with any applicable blue sky securities laws of any state of the United States. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED DEFINITIVE NOTE TO BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME
SERIES. In connection with the Owner&#146;s Exchange of a Restricted Definitive Note for a beneficial interest in an Unrestricted Global Note of the same series, the Owner hereby certifies (i)&nbsp;the beneficial interest is being acquired for the
Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to Restricted Definitive Notes and pursuant to and in accordance with the Securities Act, (iii)&nbsp;the
restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the beneficial interest is being acquired in compliance with any
applicable blue sky securities laws of any state of the United States. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">d) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED
DEFINITIVE NOTE TO UNRESTRICTED DEFINITIVE NOTE OF THE SAME SERIES. In connection with the Owner&#146;s Exchange of a Restricted Definitive Note for an Unrestricted Definitive Note of the same series, the Owner hereby certifies (i)&nbsp;the
Unrestricted Definitive Note is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to Restricted Definitive Notes and pursuant to and in
accordance with the Securities Act, (iii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the
Unrestricted Definitive Note is being acquired in compliance with any applicable blue sky securities laws of any state of the United States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2) EXCHANGE
OF RESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN RESTRICTED GLOBAL NOTES FOR RESTRICTED DEFINITIVE NOTES OF THE SAME SERIES OR BENEFICIAL INTERESTS IN RESTRICTED GLOBAL NOTES OF THE SAME SERIES </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL NOTE TO RESTRICTED DEFINITIVE NOTE OF THE SAME
SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for a Restricted Definitive Note of the same series with an equal principal amount, the Owner hereby certifies that the Restricted Definitive
Note is being acquired for the Owner&#146;s own account without transfer. Upon consummation of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
proposed Exchange in accordance with the terms of the Subordinated Indenture, the Restricted Definitive Note issued will continue to be subject to the restrictions on transfer enumerated in the
Private Placement Legend printed on the Restricted Definitive Note and in the Subordinated Indenture and the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED DEFINITIVE NOTE TO BENEFICIAL INTEREST IN A RESTRICTED GLOBAL NOTE OF THE SAME
SERIES. In connection with the Exchange of the Owner&#146;s Restricted Definitive Note for a beneficial interest in the [CHECK ONE] [ ] 144A Global Note [ ] Regulation S Global Note of the same series, with an equal principal amount, the Owner
hereby certifies (i)&nbsp;the beneficial interest is being acquired for the Owner&#146;s own account without transfer and (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to the Restricted Global
Notes and pursuant to and in accordance with the Securities Act, and in compliance with any applicable blue sky securities laws of any state of the United States. Upon consummation of the proposed Exchange in accordance with the terms of the
Subordinated Indenture, the beneficial interest issued will be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the relevant Restricted Global Note and in the Subordinated Indenture and the Securities
Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferor]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date:
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-4 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.3
<SEQUENCE>3
<FILENAME>d122408dex43.htm
<DESCRIPTION>EX-4.3
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.3</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 4.3 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CITIZENS FINANCIAL GROUP, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Issuer </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THE BANK OF NEW YORK MELLON </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Trustee </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THIRTEENTH
SUPPLEMENTAL INDENTURE </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of February&nbsp;11, 2021 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">to </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SUBORDINATED INDENTURE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of September&nbsp;28, 2012 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$68,710,000 Principal Amount 3.750% Fixed Rate Reset Subordinated Notes due 2031 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="9%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><U>P<SMALL>AGE</SMALL></U><SMALL></SMALL></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE I</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">DEFINITIONS AND OTHER PROVISIONS OF GENERAL
APPLICATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;101</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Relation to Base Indenture</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;102</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Incorporation by Reference of Trust Indenture Act</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;103</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Trust Indenture Act to Control</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;104</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Definitions</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE II</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERMS AND CONDITIONS OF THE SUBORDINATED NOTES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;201</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Form of Subordinated Notes</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;202</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Title and General Terms</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;203</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Redemption</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;204</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Reports and Other Information</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;205</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Transfer and Exchange</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;206</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Acceleration of Maturity</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;207</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Supplemental Indentures Without Consent of Holders</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;208</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Corporate Trust Office</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;209</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Notice of Defaults</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;210</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Registration Rights Agreement</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE III</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">MISCELLANEOUS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;301</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Effect of Headings</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;302</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Successors and Assigns</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;303</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Separability Clause</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;304</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Governing Law</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;305</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>U.S.A. PATRIOT Act</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;306</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>FATCA</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;307</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Electronic Communications</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;308</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Funds Held by the Trustee</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;A</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">A-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;B</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">B-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;C</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">C-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBIT&nbsp;D</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">D-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CROSS-REFERENCE TABLE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reconciliation and tie showing the location in the Base Indenture, dated as of September&nbsp;28, 2012, of the provisions inserted pursuant to
Sections 310 to 318(a), inclusive, of the Trust Indenture Act, unless otherwise indicated. This reconciliation and tie shall not, for any purpose, be deemed to be a part of the Subordinated Indenture. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="89%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Trust Indenture Act of 1939 Section</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Indenture&nbsp;Section</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">310&#8201;&#8201;(a)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(a)(2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(a)(5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">608&nbsp;and&nbsp;610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">312&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">701</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">313&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">314&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)(2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(e)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">315&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(d)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(e)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">316&#8201;&#8201;(a)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">512</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">317&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">318&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">103</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Refers to Section&nbsp;103 of the Thirteenth Supplemental Indenture. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIRTEENTH SUPPLEMENTAL INDENTURE, dated as of February&nbsp;11, 2021 (the
&#147;<I>Thirteenth Supplemental Indenture</I>&#148;), between Citizens Financial Group, Inc., a Delaware corporation (the &#147;<I>Company</I>&#148;), and The Bank of New York Mellon, a New York banking corporation, as Trustee hereunder (the
&#147;<I>Trustee</I>&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">RECITALS OF THE COMPANY </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has heretofore executed and delivered to The Bank of New York Mellon, as trustee, a Subordinated Indenture, dated as of
September&nbsp;28, 2012 (the &#147;<I>Base Indenture</I>,&#148; as the same may be amended or supplemented from time to time, including by this Thirteenth Supplemental Indenture, the &#147;<I>Subordinated Indenture</I>&#148;), providing for the
issuance from time to time of the Company&#146;s subordinated debt securities (herein and therein called the &#147;<I>Subordinated Debt Securities</I>&#148;), to be issued in one or more series as provided in the Base Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Sections 201, 301 and 1101 of the Base Indenture permit the Company and the Trustee to enter into an indenture supplemental to the
Base Indenture to provide for the issuance of, and establish the form and terms of, additional series of Subordinated Debt Securities; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has authorized the issuance of $68,710,000 in aggregate principal amount of its <U>3.750% Fixed Rate Reset Subordinated
Notes due 2031</U>; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Subordinated Notes will be established as a series of Subordinated Debt Securities under the
Subordinated Indenture; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has duly authorized the execution and delivery of this Thirteenth Supplemental Indenture to
establish the form and terms of the Subordinated Notes; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, all things necessary have been done to make this Thirteenth
Supplemental Indenture a valid agreement of the Company, in accordance with its terms; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, THIS INDENTURE WITNESSETH: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For and in consideration of the premises and the purchase of the Subordinated Notes by the Holders thereof, it is mutually covenanted and
agreed, for the equal and proportionate benefit of all Holders of the Subordinated Notes, as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE I </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;101 <I>Relation to Base Indenture.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Thirteenth Supplemental Indenture constitutes a part of the Base Indenture (the provisions of which, as modified by this Thirteenth
Supplemental Indenture, shall apply to the Subordinated Notes) in respect of the Subordinated Notes but shall not modify, amend or otherwise affect the Base Indenture insofar as it relates to any other series of Subordinated Debt Securities or
affects in any manner the terms and conditions of the Subordinated Debt Securities of any other series. For the avoidance of doubt, the First through Eleventh Supplemental Indentures to the Base Indenture and the Twelfth and Fourteenth Supplemental
Indentures to the Base Indenture entered into concurrently with this Thirteenth Supplemental Indenture shall not apply to the Subordinated Notes. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;102 <I>Incorporation</I><I> by Reference of Trust Indenture Act.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Subordinated Indenture is subject to the mandatory provisions of the Trust Indenture Act, which are incorporated by reference in and made
a part of the Subordinated Indenture. The following Trust Indenture Act terms have the following meanings: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture
Securities</I>&#148; shall mean the Subordinated Debt Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture to Be Qualified</I>&#148; shall mean the
Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture Trustee or Institutional Trustee</I>&#148; shall mean the Trustee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Obligor</I>&#148; with reference to Indenture Securities shall mean the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All other terms in the Subordinated Indenture that are defined by the Trust Indenture Act, defined by it by reference to another statute or
defined by the Commission rule have the meanings assigned to them by such definitions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;103 <I>Trust Indenture Act to
Control.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any provision included in the Subordinated Indenture limits, qualifies or conflicts with another provision included in
the Subordinated Indenture that is required to be included in the Subordinated Indenture by the Trust Indenture Act, such required provision shall control. If any provision of the Subordinated Indenture modifies or excludes any provision of the
Trust Indenture Act that may be so modified or excluded, the latter provision shall be deemed to apply to the Subordinated Indenture as so modified or to be excluded, as the case may be. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;104 <I>Definitions.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For all purposes of this Thirteenth Supplemental Indenture, the capitalized terms used herein that are defined in this
<U>Section</U><U></U><U>&nbsp;104</U> have the respective meanings assigned hereto in this <U>Section</U><U></U><U>&nbsp;104</U>, and the capitalized terms used herein that are defined in the Base Indenture and not defined in this
<U>Section</U><U></U><U>&nbsp;104</U> have the respective meanings assigned thereto in the Base Indenture. For all purposes of this Thirteenth Supplemental Indenture: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the terms defined in this Article I have the meanings assigned to them in this Article I, and include the plural as well as
the singular; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) all other terms used herein that are defined in the Trust Indenture Act, either directly or by reference
therein, have the meanings assigned to them therein; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) all accounting terms not otherwise defined herein have the
meanings assigned to them in accordance with U.S. GAAP, and, except as otherwise herein expressly provided, the term &#147;<I>U.S. GAAP</I>&#148; with respect to any computation required or permitted hereunder shall mean U.S. GAAP at the date of
such computation; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) the words &#147;<I>herein</I>,&#148; &#147;<I>hereof</I>&#148; and
&#147;<I>hereunder</I>&#148; and other words of similar import refer to this Thirteenth Supplemental Indenture as a whole and not to any particular Article, Section or other subdivision; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) for the avoidance of doubt, any reference to a facsimile signature shall include an image of a signature produced
electronically. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>144A Global Note</I>&#148; means a Global Note substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>,
bearing the Global Note Legend and the 144A Legend and deposited with or on behalf of, and registered in the name of the Depositary or its nominee, issued in a denomination equal to the Outstanding principal amount of the Subordinated Notes sold in
reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>144A Legend</I>&#148; means the legend set forth in
<U>Section</U><U></U><U>&nbsp;205(g)(i)</U> hereof to be placed on all Subordinated Notes issued under the Subordinated Indenture and sold in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs, except where otherwise permitted by the
provisions of this Thirteenth Supplemental Indenture. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Additional Notes</I>&#148; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;202(j)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Agent&#146;s Message</I>&#148; means a computer-generated message, transmitted by DTC
to, and received by, the exchange agent for the Registered Exchange Offer and forming a part of a book-entry conformation, which states that DTC has received an express acknowledgment from the tendering participant that such participant has received
and agrees to be bound by, and makes the representations and warranties contained in, the Letter of Transmittal and that the Company may enforce the Letter of Transmittal against such participant. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Applicable Procedures</I>&#148; means, with respect to any transfer or exchange of or for beneficial interests in any Global Note,
the rules and procedures of the Depositary, Euroclear and Clearstream that apply to such transfer or exchange, and, with respect to any payments on or notices in respect of any Global Note, the rules and procedures of the Depositary that apply to
such payment or notice. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Appropriate Federal Banking Agency</I>&#148; means the &#147;appropriate federal banking agency&#148;
with respect to the Company as defined in Section&nbsp;3(q) of the Federal Deposit Insurance Act (12&nbsp;U.S.C. &#167; 1813(q)), or any successor provision. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Base Indenture</I>&#148; has the meaning set forth in the recitals of the Company of this Thirteenth Supplemental Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Clearstream</I>&#148; means Clearstream Banking, <I>Soci&eacute;t&eacute; Anonyme</I> and its successors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Code</I>&#148; means the Internal Revenue Code of 1986 as in effect on the date hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Company</I>&#148; means the Person named as the &#147;<I>Company</I>&#148; in the
first paragraph of this Thirteenth Supplemental Indenture until a successor corporation shall have become such pursuant to the applicable provisions of the Subordinated Indenture, and thereafter &#147;<I>Company</I>&#148; shall mean such successor
corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Dealer Managers</I>&#148; means, with respect to the Subordinated Notes, Credit Suisse Securities (USA) LLC,
Barclays Capital Inc., BofA Securities, Inc. and Citizens Capital Markets, Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Definitive Note</I>&#148; means a certificated
Subordinated Note registered in the name of the Holder thereof and issued in accordance with <U>Section</U><U></U><U>&nbsp;205</U> hereof, substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, except that such Subordinated Note shall not
bear the Global Note Legend and shall not have the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>DTC</I>&#148; means The Depository Trust Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Act</I>&#148; means the Securities Exchange Act of 1934, as amended. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Notes</I>&#148; means the Subordinated Notes issued in the Registered Exchange Offer pursuant to
<U>Section</U><U></U><U>&nbsp;205(f)</U> or pursuant to a registered exchange offer for Subordinated Notes with a Private Placement Legend issued after the Original Issue Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Offer Registration Statement</I>&#148; means a registration statement of the Company on an appropriate form under the
Securities Act with respect to the Registered Exchange Offer, all amendments and supplements to such registration statement, including post-effective amendments thereto, in each case including the prospectus contained therein, all exhibits thereto
and all material incorporated by reference therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Euroclear</I>&#148; means Euroclear Bank S.A./N.V., as operator of the
Euroclear system, and its successors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>FATCA</I>&#148; has the meaning set forth in <U>Section</U><U></U><U>&nbsp;306</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>&#147;Federal Reserve&#148; </I>means the Board of Governors of the Federal Reserve System. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Global Note Legend</I>&#148; means the legend set forth in <U>Section</U><U></U><U>&nbsp;205(g)(iii)</U> hereof, which is required to
be placed on all Global Notes issued under the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Global Notes</I>&#148; means, individually and
collectively, each of the Restricted Global Notes and the Unrestricted Global Notes, substantially in the form of <U>Exhibit</U><U></U>&nbsp;A, issued in accordance with <U>Section</U><U></U><U>&nbsp;201</U>, <U>Section</U><U></U><U> 205(b)</U>,
<U>Section</U><U></U><U>&nbsp;205(d)</U> or <U>Section</U><U></U><U>&nbsp;205(f)</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indirect Participant</I>&#148;
means a Person who holds a beneficial interest in a Global Note through a Participant. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Initial Notes</I>&#148; means the
$68,710,000 aggregate principal amount of 3.750% Fixed Rate Reset Subordinated Notes due 2031 of the Company issued on the Original Issue Date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Letter of Transmittal</I>&#148; means the letter of transmittal or similar
documentation to be prepared by the Company and sent to all holders of the Subordinated Notes to be executed and delivered by such holders (or agreed to by such holders pursuant to an Agent&#146;s Message) in connection with the Registered Exchange
Offer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Original Issue Date</I>&#148; means February&nbsp;11, 2021, the date of original issuance of the Initial Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Participant</I>&#148; means, with respect to the Depositary, a Person who has an account with the Depositary (and, with respect to
DTC, shall include Euroclear and Clearstream). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Person</I>&#148; means any individual, corporation, partnership, joint venture,
association, joint stock company, trust, estate, unincorporated organization or government or any agency or political subdivision thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Private Placement Legend</I>&#148; means the 144A Legend or Regulation S Legend, as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>QIB</I>&#148; means a &#147;qualified institutional buyer&#148; as defined in Rule 144A. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Redemption Price</I>&#148; has the meaning set forth in <U>Section</U><U></U><U>&nbsp;203(b)</U> of this Thirteenth Supplemental
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Registered Exchange Offer</I>&#148; means the proposed offer of the Company to issue and deliver, or cause to be
issued and delivered, to the Holders of the Subordinates Notes or the owners of beneficial interests therein that are not prohibited by any law or policy of the Commission from participating in such offer, in exchange for the Subordinated Notes
initially sold in reliance on Section&nbsp;4(a)(2) of the Act or on Rule 903, a like aggregate principal amount of Subordinated Notes identical in all material respects to the Subordinated Notes being exchanged (except that the transfer restrictions
on the Subordinated Notes being exchanged shall be modified or eliminated, as appropriate). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Registration Rights
Agreement</I>&#148; means the Registration Rights Agreement relating to the Subordinated Notes, dated as of February&nbsp;11, 2021, by and among the Company and the Dealer Managers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S</I>&#148; means Regulation S promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S Global Note</I>&#148; means a Global Note substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, bearing the
Global Note Legend and the Regulation S Legend and deposited with or on behalf of, and registered in the name of the Depositary or its nominee, issued in a denomination equal to the Outstanding principal amount of the Subordinated Notes initially
sold in reliance on Rule 903. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S Legend</I>&#148; means the legend set forth in
<U>Section</U><U></U><U>&nbsp;205(g)(ii)</U> hereof to be placed on all Subordinated Notes issued under the Subordinated Indenture and initially sold in reliance on Rule 903, except where otherwise permitted by the provisions of this Thirteenth
Supplemental Indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulatory Capital Treatment Event</I>&#148; means the good faith determination by
the Company that, as a result of (i)&nbsp;any amendment to, or change in, the laws, rules or regulations of the United States (including, for the avoidance of doubt, any agency or instrumentality of the United States, including the Federal Reserve
and other Federal bank regulatory agencies) or any political subdivision of or in the United States that is enacted or becomes effective after the Original Issue Date, (ii)&nbsp;any proposed change in those laws, rules or regulations that is
announced or becomes effective after the Original Issue Date, or (iii)&nbsp;any official administrative decision or judicial decision or administrative action or other official pronouncement interpreting or applying those laws, rules or regulations
or policies with respect thereto that is announced after the Original Issue Date, there is more than an insubstantial risk that the Company will not be entitled to treat the Subordinated Notes then Outstanding as &#147;Tier 2 capital&#148; (or its
equivalent) for purposes of the capital adequacy rules of the Federal Reserve (or, as and if applicable, the capital adequacy rules or regulations of any successor Appropriate Federal Banking Agency) as then in effect and applicable, for so long as
the Subordinated Notes are Outstanding, to at least the same extent as on the Original Issue Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Reset Date</I>&#148; shall
have the meaning set forth in <U>Section</U><U></U><U>&nbsp;203(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Restricted Definitive Note</I>&#148; means a Definitive
Note bearing, or that is required to bear, a Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Restricted Global Note</I>&#148; means a Global Note
bearing, or that is required to bear, a Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 144</I>&#148; means Rule 144 promulgated under the
Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 144A</I>&#148; means Rule 144A promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 903</I>&#148; means Rule 903 promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 904</I>&#148; means Rule 904 promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Securities Act</I>&#148; means the Securities Act of 1933, as amended, and unless context requires otherwise, the rules and
regulations of the Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Shelf Registration Statement</I>&#148; means a &#147;shelf&#146;
registration statement of the Company pursuant to the provisions of the Registration Rights Agreement, which covers some or all of the Subordinated Notes, on an appropriate form under Rule&nbsp;415 under the Securities Act, or any similar rule that
may be adopted by the Commission, amendments and supplements to such registration statement, including post-effective amendments and the prospectus contained therein, all exhibits thereto and all material incorporated by reference therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Subordinated Indenture</I>&#148; has the meaning set forth in the recitals of the Company of this Thirteenth Supplemental Indenture.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Subordinated Notes</I>&#148; means the Initial Notes, the Exchange Notes and any other notes issued after the Issue Date in
accordance with <U><BR>Section</U><U></U><U>&nbsp;202(j)</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Thirteenth Supplemental Indenture</I>&#148; has the meaning set forth in the first
paragraph of this instrument. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Trustee</I>&#148; means the Person named as the &#147;<I>Trustee</I>&#148; in the first paragraph
hereof until a successor Person shall have become such pursuant to the applicable provisions of the Subordinated Indenture, and thereafter &#147;<I>Trustee</I>&#148; shall mean such successor Person. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Unrestricted Definitive Note</I>&#148; means one or more Definitive Notes that do not bear and are not required to bear a Private
Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Unrestricted Global Note</I>&#148; means a Global Note, substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;A</U> that bears the Global Note Legend and that has the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto, and that is deposited with or on behalf of and registered in the name of the
Depositary, representing Subordinated Notes that do not bear a Private Placement Legend. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERMS AND CONDITIONS OF THE SUBORDINATED NOTES </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;201 <I>Form of Subordinated Notes.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>General</I>. The Subordinated Notes and the Trustee&#146;s certificate of authentication shall be substantially in the form set forth
in <U>Exhibit</U><U></U><U>&nbsp;A</U>, which is incorporated in and forms a part of the Subordinated Indenture, with such appropriate insertions, omissions, substitutions and other variations as are required or permitted by the Subordinated
Indenture and may have such letters, numbers or other marks of identification and such legends or endorsements placed thereon as may be determined, consistent with the Subordinated Indenture, by the officers of the Company executing such
Subordinated Notes, as evidenced by their execution of such Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Global Notes</I>. The Subordinated Notes shall be
issued initially in the form of one or more permanent Global Notes. Global Notes shall be substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, including the Global Note Legend thereon and the &#147;Schedule of Exchanges of Interests in
the Global Note&#148; attached thereto. Subordinated Notes issued in definitive form shall be substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, but without the Global Note Legend thereon and without the &#147;Schedule of Exchanges of
Interests in the Global Note&#148; attached thereto. Each Global Note shall represent such of the Outstanding Subordinated Notes as shall be specified in the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto and each
shall provide that it shall represent up to the aggregate principal amount of Subordinated Notes from time to time endorsed thereon and that the aggregate principal amount of Outstanding Subordinated Notes represented thereby may from time to time
be reduced or increased, as applicable, to reflect exchanges and redemptions. Any endorsement of a Global Note to reflect the amount of any increase or decrease in the aggregate principal amount of Outstanding Subordinated Notes represented thereby
shall be made by the Trustee, in accordance with instructions given by the Holder thereof as required by <U>Section</U><U></U><U>&nbsp;205</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Authentication</I>. With respect to the Subordinated Notes, the first sentence of Section&nbsp;303(g) of the Base Indenture shall be
amended by adding the words &#147;(or, solely in the case of a Global Note, by manual, facsimile or other electronic signature of one of its authorized officers)&#148; immediately after the words &#147;by manual signature of one of its authorized
officers&#148; and before the comma that follows such words. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;202 <I>Title and General Terms.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to Sections 201 and 301 of the Base Indenture, there is hereby established a series of Subordinated Debt Securities, the terms of
which shall be as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Designation</I>. The Subordinated Notes shall be known and designated as the &#147;3.750% Fixed Rate
Reset Subordinated Notes due 2031.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Aggregate Principal Amount</I>. The aggregate principal amount of the Subordinated Notes
that may be authenticated and delivered under this Thirteenth Supplemental Indenture is limited to $68,710,000, as increased by the amount of any Additional Notes issued pursuant to <U>Section</U><U></U><U>&nbsp;202(j)</U> of this Thirteenth
Supplemental Indenture, except for Subordinated Notes authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of, other Subordinated Notes issued pursuant to Section&nbsp;304, 305, 306, 1106 or 1307 of the Base
Indenture or Article II of this Thirteenth Supplemental Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Maturity, Interest and Place of Payment</I>. The Stated
Maturity of the Subordinated Notes shall be February&nbsp;11, 2031, and the Subordinated Notes shall bear interest and have such other terms as are set forth in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> hereto. The Place of
Payment with respect to the Subordinated Notes shall be The City of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>No Additional Amounts</I>. In the event that any
payment on the Subordinated Notes by the Company or any Paying Agent is subject to withholding of United States Federal income tax or other tax or assessment (as a result of a change in law or otherwise), neither the Company nor any Paying Agent
shall pay additional amounts to the Holders of the Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>No Sinking Fund or Redemption at Option of Holders</I>. The
Company shall have no obligation to redeem or purchase the Subordinated Notes pursuant to any sinking fund or analogous provision, or at the option of a Holder thereof. The Subordinated Notes shall be redeemable at the election of the Company from
time to time at the times and at the prices specified in <U>Section</U><U></U><U>&nbsp;203</U> of this Thirteenth Supplemental Indenture, and the election of the Company to redeem any Subordinated Notes shall be evidenced by either a Board
Resolution or an Officer&#146;s Certificate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Defeasance</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The Subordinated Notes shall be subject to the defeasance provisions of Article XIV of the Base Indenture beginning no
earlier than on the fifth anniversary of the Original Issue Date; <I>provided</I> that, with respect to the Subordinated Notes, Section&nbsp;1402(b)(4) of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">&#147;(4) the Company shall have delivered to the Trustee an Opinion of Counsel to the effect that beneficial owners of the Subordinated Debt
Securities of such series will not recognize income, gain or loss for Federal </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">
income tax purposes as a result of the Company&#146;s exercise of its option under this Section and will be subject to Federal income tax on the same amounts and in the same manner and at the
same times as would have been the case if such option had not been exercised (which opinion, if the Company shall have exercised its option under Section&nbsp;1402(b)(x) of the Base Indenture, shall be (A)&nbsp;accompanied by and based upon a ruling
to that effect received from or published by the Internal Revenue Service or (B)&nbsp;based upon a change in law after the date of this Thirteenth Supplemental Indenture); and&#148; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Any defeasance of the Subordinated Notes pursuant to Article XIV of the Base Indenture shall be subject to the Company
obtaining the prior approval of the Appropriate Federal Banking Agency and any additional requirements that the Appropriate Federal Banking Agency may impose with respect to defeasance of the Subordinated Notes, if then required under capital rules
applicable to the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Repurchases</I>. The Company may from time to time repurchase the Subordinated Notes in open market
purchases or negotiated transactions without prior notice to Holders or beneficial owners of Subordinated Notes. Any such repurchases of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal
Banking Agency and any additional requirements that the Appropriate Federal Banking Agency may impose with respect to the repurchase of the Subordinated Notes, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <I>Denominations</I>. The Subordinated Notes shall be issuable only in fully registered form and only in a minimum denomination of $2,000
and authorized denominations of any integral multiples of $1,000 in excess thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Authentication and Delivery</I>. The
Subordinated Notes shall be executed, authenticated, delivered and dated in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <I>Additional Notes</I>. The Company may, from time to time, without the consent of the Holders of the Subordinated Notes, reopen the
series constituting the Subordinated Notes and issue additional Subordinated Notes (the &#147;<I>Additional Notes</I>&#148;) having the same ranking and the same interest rate, maturity and other terms as the Subordinated Notes, except for the
public offering price, the issue date and, if applicable, the initial interest payment date and initial interest accrual date. Any such Additional Notes, together with the Initial Notes and the Exchange Notes, shall constitute a single series of
Subordinated Debt Securities under the Base Indenture; <I>provided</I> that if the Additional Notes are not fungible for U.S. federal income tax and U.S. federal securities law purposes with the Initial Notes or the Exchange Notes, as the case may
be, the Additional Notes shall be issued under separate CUSIP and ISIN numbers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <I>Events of Default and Default</I>. The only Events
of Default and the only Defaults applicable to the Subordinated Notes are as set forth in Article V of the Base Indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;203 <I>Redemption.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Subordinated Notes shall not be redeemable at the Company&#146;s option except as set forth in this <U>Section</U><U></U><U>&nbsp;203</U>:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole but not in part, on
February&nbsp;11, 2026 (the &#147;<I>Reset Date</I>&#148;); (ii) in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory
Capital Treatment Event. Any such redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price.</I> In the case of any redemption of the Subordinated Notes, the &#147;<I>Redemption Price</I>&#148; shall be equal
to 100% of the Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date. If the Redemption Price in respect of the Subordinated Notes is not paid on
the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by this <U>Section</U><U></U><U>&nbsp;203</U>, any redemption of the Subordinated Notes
under this <U>Section</U><U></U><U>&nbsp;203</U> is subject to the terms and conditions of Article&nbsp;XIII of the Base Indenture. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Notice of any redemption shall be sent at least 10 days but no more than 60 days before the Redemption Date to
(w)&nbsp;each Holder of Subordinated Notes to be redeemed in accordance with Section&nbsp;105 of the Base Indenture, (x)&nbsp;to the Trustee, (y)&nbsp;to the Security Registrar to forward to each Holder of Subordinated Notes to be redeemed at such
Holder&#146;s registered address, or (z)&nbsp;otherwise in accordance with the Applicable Procedures. If less than all of the Subordinated Notes are to be redeemed, and the Subordinated Notes are Global Notes, the Subordinated Notes to be redeemed
will be selected by the Depositary in accordance with the Applicable Procedures. If the Subordinated Notes to be redeemed are not Global Notes held by the Depositary, the Trustee will select the Subordinated Notes (or portions thereof) to be
redeemed by lot. The Trustee shall have no duty to calculate or verify the calculation of the Redemption Price. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) At
least 5 Business Days or such shorter period as the Trustee and Security Registrar may agree to (and not more than 10 Business Days) prior to the date on which it intends to have the Security Registrar notify the Holders of the Subordinated Notes of
the Company&#146;s exercise of its option to redeem the Subordinated Notes, the Company will provide to the Trustee and the Security Registrar a draft notice of a potential exercise of such option with respect to the Subordinated Notes on such date.
After receipt of final notice that the Company is exercising its option to redeem the Subordinated Notes, the Security Registrar will deliver notice to each Holder of Subordinated Notes in accordance with Article XIII of the Base Indenture, as
modified by this <U>Section</U><U></U><U>&nbsp;203</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;204 <I>Reports and Other Information.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1206 of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;So long as Subordinated Notes remain Outstanding, the Company shall file with, or make available to, the Trustee, within 15 days after
the Company is required to file the same with the Commission, copies of the annual reports and of the information, documents, and other reports that the Company may be required to file with the Commission pursuant to Section&nbsp;13 or
Section&nbsp;15(d) of the Exchange or pursuant to Section&nbsp;314 of the Trust Indenture Act; <I>provided</I> that any document publicly available on the Commission&#146;s Electronic Data Gathering, Analysis and Retrieval system shall satisfy the
requirements hereof if the Company provides the Trustee with written notice when any such document is filed with the Commission&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;205 <I>Transfer and Exchange.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Transfer and Exchange of Global Notes</I>. Except as otherwise set forth in this <U>Section</U><U></U><U>&nbsp;205</U>, a Global Note
may be transferred, in whole and not in part, only to another nominee of the Depositary or to a successor thereto or a nominee of such successor thereto. A beneficial interest in a Global Note may not be exchanged for a Definitive Note unless
(i)&nbsp;the Depositary (1)&nbsp;notifies the Company that it is unwilling or unable to continue as Depositary for such Global Note or (2)&nbsp;has ceased to be a clearing agency registered under the Exchange Act, and, in either case, a successor
Depositary is not appointed by the Company within 90 days of such notice or becoming aware that the Depositary is no longer so registered, (ii)&nbsp;the Company, at its option, notifies the Trustee in writing that it elects to cause the issuance of
Definitive Notes or (iii)&nbsp;upon the request of the Depositary if there shall have occurred and be continuing an Event of Default with respect to the Subordinated Notes. Upon the occurrence of any of the preceding events in clause (i), (ii) or
(iii)&nbsp;above, Definitive Notes delivered in exchange for any Global Note or beneficial interests therein will be registered in the names, and issued in any approved denominations, requested by or on behalf of the Depositary (in accordance with
the Applicable Procedures). Global Notes also may be exchanged or replaced, in whole or in part, as provided in Article III of the Base Indenture. Every Subordinated Note authenticated and delivered in exchange for, or in lieu of, a Global Note,
pursuant to this <U>Section</U><U></U><U>&nbsp;205</U> or Article III of the Base Indenture, as modified by <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, shall be authenticated and delivered in the form of, and shall be, a Global Note, except for
Definitive Notes issued subsequent to any of the preceding events in clause (i), (ii) or (iii)&nbsp;above and pursuant to <U>Section</U><U></U><U>&nbsp;205(c)</U> hereof. A Global Note may not be exchanged for another Subordinated Note other than as
provided in this <U>Section</U><U></U><U>&nbsp;205(a)</U>; <I>provided </I>that beneficial interests in a Global Note may be transferred and exchanged as provided in <U>Section</U><U></U><U>&nbsp;205(b)</U>, <U>(c)</U> or <U>(f)</U>&nbsp;hereof.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Transfers and Exchanges of Beneficial Interests in Global Notes</I>. The transfer and exchange of beneficial interests in the
Global Notes shall be effected through the Depositary in accordance with the provisions of the Subordinated Indenture and the Applicable Procedures. Beneficial interests in the Restricted Global Notes shall be subject to restrictions on transfer
comparable to those set forth herein to the extent required by the Securities Act. Transfers of beneficial interests in the Global Notes also shall require compliance with either subparagraph (i)&nbsp;or (ii) below, as applicable, as well as one or
more of the other following subparagraphs, as applicable: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Transfer of Beneficial Interests in the Same Global Note</I>.
Beneficial interests in any Restricted Global Note may be transferred to Persons who take delivery thereof in the form of a beneficial interest in the same Restricted Global Note in accordance with the transfer restrictions set forth in the Private
Placement Legend applicable to such Restricted Global Note. Beneficial interests in any Unrestricted Global Note may be transferred to Persons who take delivery thereof in the form of a beneficial interest in an Unrestricted Global Note. No written
orders or instructions shall be required to be delivered to the Security Registrar to effect the transfers described in this <U>Section</U><U></U><U>&nbsp;205(b)(i)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>All Other Transfers and Exchanges of Beneficial Interests in Global Notes</I>. In connection with all transfers and
exchanges of beneficial interests that are not subject to <U>Section</U><U></U><U>&nbsp;205(b)(i)</U>, the transferor of such beneficial interest must deliver to the Security Registrar either (1) (A) a written order from a Participant or an Indirect
Participant given to the Depositary in accordance with the Applicable Procedures directing the Depositary to credit or cause to be credited a beneficial interest in another Global Note in an amount equal to the beneficial interest to be transferred
or exchanged and (B)&nbsp;instructions given in accordance with the Applicable Procedures containing information regarding the Participant account to be credited with such increase, or (2) (A) a written order from a Participant or an Indirect
Participant given to the Depositary in accordance with the Applicable Procedures directing the Depositary to cause to be issued a Definitive Note of the same series in an amount equal to the beneficial interest to be transferred or exchanged and
(B)&nbsp;instructions given by the Depositary to the Security Registrar containing information regarding the Person in whose name such Definitive Note shall be registered to effect the transfer or exchange referred to in subclause (2)(A);
<I>provided</I> that in no event shall Definitive Notes be issued other than upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U>. Upon consummation of a Registered Exchange Offer by
the Company in accordance with <U>Section</U><U></U><U>&nbsp;205(f)</U>, the requirements of this <U>Section</U><U></U><U>&nbsp;2.05(b)(ii)</U> shall be deemed to have been satisfied upon receipt by the Security Registrar of the instructions
contained in either the Letter of Transmittal delivered by the holder of such beneficial interests in the Restricted Global Notes or the applicable Agent&#146;s Message. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Transfer of Beneficial Interests to Another Restricted Global Note</I>. A beneficial interest in any Restricted Global
Note may be transferred to a Person who takes delivery thereof in the form of a beneficial interest in another Restricted Global Note if the transfer complies with the requirements of <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof and the
Security Registrar receives the following: (1)&nbsp;if the transferee will take delivery in the form of a beneficial interest in a 144A Global Note, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>,
including the certifications in item (1)&nbsp;thereof, and, if such beneficial interest is in a Regulation S Global Note, the transferee must deliver a certificate in the form of <U>Exhibit C</U>; or (2)&nbsp;if the transferee will take delivery in
the form of a beneficial interest in a Regulation S Global Note, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) <I>Transfer and Exchange of Beneficial Interests in a Restricted Global
Note for Beneficial Interests in an Unrestricted Global Note</I>. A beneficial interest in any Restricted Global Note may be exchanged by any holder thereof for a beneficial interest in an Unrestricted Global Note or transferred to a Person who
takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note if the exchange or transfer complies with the requirements of <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof and: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the holder of such beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for a beneficial interest in an Unrestricted Global Note, the Security Registrar receives a certificate from such Holder substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;D</U> hereto, including the certifications in item (1)(a) thereof; or (B)&nbsp;if the holder of such beneficial interest in a Restricted Global Note proposes to transfer such beneficial interest to a Person who shall
take delivery thereof in the form of a beneficial interest in an Unrestricted Global Note, the Security Registrar receives a certificate from such holder in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item
(4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the Applicable Procedures so require, an Opinion of Counsel in form reasonably acceptable to the Security Registrar to the
effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement Legend applicable to such Restricted Global Note are no longer required in order to
maintain compliance with the Securities Act. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">If any such transfer is effected pursuant to this subparagraph (iv)&nbsp;at a time when an
Unrestricted Global Note has not yet been issued, the Company shall issue and, upon receipt of a Company Order for the authentication of one or more Unrestricted Global Notes in accordance with Section&nbsp;303 of the Base Indenture and
<U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, the Trustee shall authenticate such Unrestricted Global Notes in an aggregate principal amount equal to the aggregate principal amount of beneficial interests transferred pursuant to this subparagraph
(iv). Beneficial interests in an Unrestricted Global Note cannot be exchanged for, or transferred to Persons who take delivery thereof in the form of, a beneficial interest in a Restricted Global Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Transfer or Exchange of Beneficial Interests for Definitive Notes.</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Beneficial Interests in Restricted Global Notes to Restricted Definitive Notes</I>. If any holder of a beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for a Restricted Definitive Note or to transfer such beneficial interest to a Person who takes delivery thereof in the form of a Restricted Definitive Note, then,
upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and receipt by the Security Registrar of the following documentation: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) if the holder of such beneficial interest in a Restricted Global Note proposes to exchange such beneficial interest for a Restricted
Definitive Note, a certificate from such holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (2)(a) thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) if such beneficial interest is being transferred to a QIB in accordance with Rule 144A, a certificate substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such beneficial interest is in a Regulation S Global Note, a certificate substantially in the form of <U>Exhibit C</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) if such beneficial interest is being transferred to a <FONT STYLE="white-space:nowrap">Non-U.S.</FONT> Person in an offshore transaction in
accordance with Rule 903 or Rule 904, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(4) if such beneficial interest is being transferred pursuant to an exemption from the registration requirements of the Securities Act in
accordance with Rule 144, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(a) thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(5) if such beneficial interest is being transferred to the Company or any of its Subsidiaries, a certificate substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(b) thereof; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(6) if such beneficial interest is being
transferred pursuant to an effective registration statement under the Securities Act, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(c) thereof, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">the Trustee shall cause the aggregate principal amount of the applicable Global Note to be reduced accordingly pursuant to
<U>Section</U><U></U><U>&nbsp;205(g)</U>, and the Company shall execute and the Trustee shall authenticate and mail to the Person designated in the instructions a Definitive Note in the applicable principal amount. Any Definitive Note issued in
exchange for a beneficial interest in a Restricted Global Note pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)</U> shall be registered in such name or names and in such authorized denomination or denominations as the holder of such beneficial
interest shall instruct the Security Registrar through instructions from the Depositary and the Participant or Indirect Participant. The Trustee shall mail such Definitive Notes to the Persons in whose names such Subordinated Notes are so
registered. Any Definitive Note issued in exchange for a beneficial interest in a Restricted Global Note pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)</U><U>(i)</U> shall bear the applicable Private Placement Legend and shall be subject to
all restrictions on transfer contained therein. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Beneficial Interests in Restricted Global Notes to Unrestricted
Definitive Notes</I>. A holder of a beneficial interest in a Restricted Global Note may exchange such beneficial interest for an Unrestricted Definitive Note or may transfer such beneficial interest to a Person who takes delivery thereof in the form
of an Unrestricted Definitive Note only upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the holder of such beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for an Unrestricted Definitive Note, a certificate from such holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(b)
thereof; or (B)&nbsp;if the holder of such beneficial interest in a Restricted Global Note proposes to transfer such beneficial interest to a Person who shall take delivery thereof in the form of an Unrestricted Definitive Note, a certificate from
such holder substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the
Applicable Procedures so require, an Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained
herein and in the Private Placement Legend applicable to such Restricted Global Note are no longer required in order to maintain compliance with the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Beneficial Interests in Unrestricted Global Notes to Unrestricted Definitive Notes</I>. If any holder of a beneficial
interest in an Unrestricted Global Note proposes to exchange such beneficial interest for a Definitive Note or to transfer such beneficial interest to a Person who takes delivery thereof in the form of a Definitive Note, then, upon the occurrence of
any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and satisfaction of the conditions set forth in <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof, the Trustee shall cause the aggregate
principal amount of the applicable Global Note to be reduced accordingly pursuant to <U>Section</U><U></U><U>&nbsp;205(h)</U> hereof, and the Company shall execute and the Trustee shall authenticate and mail
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
to the Person designated in the instructions a Definitive Note in the applicable principal amount. Any Definitive Note issued in exchange for a beneficial interest pursuant to this
<U>Section</U><U></U><U>&nbsp;205(c)(iii)</U> shall be registered in such name or names and in such authorized denomination or denominations as the holder of such beneficial interest shall instruct the Security Registrar through instructions from or
through the Depositary and the Participant or Indirect Participant. The Trustee shall mail such Definitive Notes to the Persons in whose names such Subordinated Notes are so registered. Any Definitive Note issued in exchange for a beneficial
interest pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)(iii)</U> shall not bear any Private Placement Legend. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv)
In connection with any proposed exchange from a beneficial interest in a Global Note to a Definitive Note, the Company or the Depositary shall provide or cause to be provided to the Trustee sufficient information (but only to the extent that the
Company or Depositary has knowledge of such information) so as to allow the Trustee to comply with any applicable tax reporting obligations, including, without limitation, any cost basis reporting obligations under Section&nbsp;6045 of the Code. The
Trustee may rely on the information provided to it and shall have no responsibility to verify or ensure the accuracy of such information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Transfer and Exchange of Definitive Notes for Beneficial</I><I> </I><I>Interests</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Restricted Definitive Notes to Beneficial Interests in Restricted Global Notes</I>. If any Holder of a Restricted
Definitive Note proposes to exchange such Subordinated Note for a beneficial interest in a Restricted Global Note or to transfer such Restricted Definitive Note to a Person who takes delivery thereof in the form of a beneficial interest in a
Restricted Global Note, then, upon receipt by the Security Registrar of the following documentation: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) if the Holder of such Restricted
Definitive Note proposes to exchange such Subordinated Note for a beneficial interest in a Restricted Global Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (2)(b) thereof;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) if such Restricted Definitive Note is being transferred to a QIB in accordance with Rule 144A, a certificate substantially in the form
of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such Restricted Definitive Note to be transferred bears the Regulation S Legend, a certificate substantially in the form of <U>Exhibit C</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) if such Restricted Definitive Note is being transferred to a <FONT STYLE="white-space:nowrap">Non-U.S.</FONT> Person in an offshore
transaction in accordance with Rule 903 or Rule 904, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(4) if such Restricted Definitive Note is being transferred pursuant to an exemption from the registration requirements of the Securities Act
in accordance with Rule 144, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(a) thereof; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(5) if such Restricted Definitive Note is being transferred to the Company or any of its
Subsidiaries, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(b) thereof; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(6) if such Restricted Definitive Note is being transferred pursuant to an effective registration statement under the Securities Act, a
certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(c) thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">the
Trustee shall cancel the Restricted Definitive Note and increase or cause to be increased the aggregate principal amount of, in the case of clause (1)&nbsp;above, the applicable Restricted Global Note, in the case of clause (2)&nbsp;above, the
applicable 144A Global Note, and in the case of clause (3)&nbsp;above, the applicable Regulation S Global Note. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)
<I>Restricted Definitive Notes to Beneficial Interests in Unrestricted Global Notes</I>. A Holder of a Restricted Definitive Note may exchange such Subordinated Note for a beneficial interest in an Unrestricted Global Note or transfer such
Restricted Definitive Note to a Person who takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the Holder of such Definitive Notes
proposes to exchange such Subordinated Notes for a beneficial interest in the Unrestricted Global Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(c) thereof; or (B)&nbsp;if
the Holder of such Definitive Notes proposes to transfer such Subordinated Notes to a Person who shall take delivery thereof in the form of a beneficial interest in the Unrestricted Global Note, a certificate from such Holder substantially in the
form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the Applicable Procedures so require, an
Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement
Legend applicable to such Restricted Definitive Note are no longer required in order to maintain compliance with the Securities Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Upon satisfaction of the conditions of this
<U>Section</U><U></U><U>&nbsp;204</U><U>(d)</U><U>(ii)</U>, the Trustee shall cancel the Restricted Definitive Note and increase or cause to be increased the aggregate principal amount of the Unrestricted Global Note. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Unrestricted Definitive Notes to Beneficial Interests in Unrestricted Global Notes</I>. A Holder of an Unrestricted
Definitive Note may exchange such Subordinated Note for a beneficial interest in an Unrestricted Global Note or transfer such Definitive Notes to a Person who takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note
at any time. Upon receipt of a request for such an exchange or transfer, the Trustee shall cancel the applicable Unrestricted Definitive Note and increase or cause to be increased the aggregate principal amount of one of the Unrestricted Global
Notes. If any such exchange or transfer from a Definitive Note to a beneficial interest is effected pursuant to subparagraphs (ii)&nbsp;or (iii) above at a time when an Unrestricted Global Note has not yet been issued, the Company shall issue and,
upon receipt of a Company Order for the authentication of one or more Unrestricted Global Notes in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, the Trustee shall authenticate one or more
Unrestricted Global Notes in an aggregate principal amount equal to the principal amount of Definitive Notes so exchanged or transferred. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>Transfer and Exchange of Definitive Notes for Definitive Notes</I>. Upon request by a Holder of Definitive Notes and such Holder&#146;s
compliance with the provisions of this <U>Section</U><U></U><U>&nbsp;205(e)</U> the Security Registrar shall register the transfer or exchange of Definitive Notes. Prior to such registration of transfer or exchange, the requesting Holder shall
present or surrender to the Security Registrar the Definitive Notes duly endorsed or accompanied by a written instruction of transfer in form satisfactory to the Security Registrar duly executed by such Holder or by its attorney, duly authorized in
writing. In addition, the requesting Holder shall provide<I> </I>any additional certifications, documents and information, as applicable, required pursuant to the following provisions of this <U>Section</U><U></U><U>&nbsp;205(e)</U>: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Restricted Definitive Notes to Restricted Definitive Notes</I>. Any Restricted Definitive Note may be transferred to and
registered in the name of Persons who take delivery thereof in the form of a Restricted Definitive Note if the Security Registrar receives the following: (1)&nbsp;if the transfer will be made to a QIB in accordance with Rule 144A, then the
transferor must deliver a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such Restricted Definitive Note to be transferred bears the Regulation S Legend, a
certificate substantially in the form of <U>Exhibit C</U>; (2)&nbsp;if the transfer will be made pursuant to Rule 903 or Rule 904, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the
certifications in item (2)&nbsp;thereof; or (3)&nbsp;if the transfer will be made pursuant to any other exemption from the registration requirements of the Securities Act, then the transferor must deliver a certificate in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications required by item (3)&nbsp;thereof, if applicable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Restricted Definitive Notes to Unrestricted Definitive Notes</I>.
Any Restricted Definitive Note may be exchanged by the Holder thereof for an Unrestricted Definitive Note or transferred to a Person or Persons who take delivery thereof in the form of an Unrestricted Definitive Note if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the Holder of such Restricted
Definitive Notes proposes to exchange such Subordinated Notes for an Unrestricted Definitive Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(d) thereof; or (B)&nbsp;if the
Holder of such Restricted Definitive Notes proposes to transfer such Subordinated Notes to a Person who shall take delivery thereof in the form of an Unrestricted Definitive Note, a certificate from such Holder substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so<I> </I>requests or if the Applicable Procedures so require, an
Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement
Legend applicable to such Restricted Definitive Note are no longer required in order to maintain compliance with the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Unrestricted Definitive Notes to Unrestricted Definitive Notes</I>. A Holder of Unrestricted Definitive Notes may
transfer such Subordinated Notes to a Person who takes delivery thereof in the form of an Unrestricted Definitive Note. Upon receipt of a request to register such a transfer, the Security Registrar shall register the Unrestricted Definitive Notes
pursuant to the instructions from the Holder thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Registered Exchange Offer</I>. Upon the occurrence of a Registered Exchange
Offer in accordance with the Registration Rights Agreement, the Company shall issue and the Trustee shall authenticate in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof (i)&nbsp;one or more
Unrestricted Global Notes in an aggregate principal amount equal to the principal amount of the beneficial interests in the Restricted Global Notes tendered for acceptance by Persons that provide certifications in the applicable Letter of
Transmittal or pursuant to the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
applicable Agent&#146;s Message in accordance with the Registration Rights Agreement, and accepted for exchange in a Registered Exchange Offer and (ii)&nbsp;Definitive Notes in an aggregate
principal amount equal to the principal amount of the Restricted Definitive Notes accepted for exchange in a Registered Exchange Offer. Concurrently with the issuance of such Notes, the Trustee shall cause the aggregate principal amount of the
applicable Restricted Global Notes to be reduced accordingly, and the Company shall execute and the Trustee shall authenticate and deliver to the Persons designated by the holders of Restricted Definitive Notes so accepted Unrestricted Definitive
Notes in the appropriate principal amount. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Legends</I>. The following legends shall appear on the face of all Global Notes and
Definitive Notes issued under the Subordinated Indenture unless specifically stated otherwise in the applicable provisions of the Subordinated Indenture: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>144A Legend</I>. Except as permitted by paragraph (iv)&nbsp;below, each 144A Global Note and each Definitive Note sold
in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall bear the legend in substantially the following form: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION EXEMPT FROM REGISTRATION UNDER SECTION 5 OF THE UNITED STATES
SECURITIES ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN APPLICABLE EXEMPTION THEREFROM. EACH PURCHASER OF AN
INTEREST IN THE SECURITY EVIDENCED HEREBY IS HEREBY NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A THEREUNDER. THE HOLDER OF ANY INTEREST IN THE SECURITY
EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, (A)&nbsp;UNTIL ONE YEAR (OR SUCH SHORTER PERIOD AS MAY BE PERMITTED UNDER RULE 144 UNDER THE SECURITIES ACT) AFTER FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED
INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE SECURITIES ACT, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE
903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER
AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION, (B)&nbsp;IN CONNECTION WITH ANY
OFFER, SALE OR TRANSFER PURSUANT TO (A)(2) OR (A)(5) ABOVE, SUBJECT TO THE RIGHT OF THE COMPANY AND TRUSTEE TO REQUEST IN ADVANCE OF ANY OFFER, SALE OR </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
OTHER TRANSFER, CERTIFICATIONS AND/OR OTHER INFORMATION, AND AN OPINION OF COUNSEL, IN EACH CASE SATISFACTORY TO THE COMPANY AND TRUSTEE AND (C)&nbsp;THE HOLDER OF AN INTEREST IN THE SECURITY
EVEIDENCED HEREBY WILL, AND EACH SUBSEQUENT HOLDER OF SUCH AN INTEREST IS REQUIRED TO, NOTIFY ANY PURCHASER OF ANY INTEREST IN THE SECURITY EVIDENCED HEREBY OF THE RESALE RESTRICTIONS SET FORTH IN CLAUSES (A)&nbsp;AND (B) ABOVE. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS LEGEND WILL BE REMOVED UPON THE REQUEST OF A HOLDER ONLY AT THE DIRECTION AND IN THE ABSOLUTE DISCRETION OF THE ISSUER AFTER THE RESALE RESTRICTION
TERMINATION DATE.&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Regulation S Legend</I>. Except as permitted by paragraph (iv)&nbsp;below, each Regulation
S Global Note and each Definitive Note sold in reliance on Rule 903 (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall bear the legend in substantially the following form: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION NOT SUBJECT TO REGISTRATION UNDER THE UNITED STATES SECURITIES
ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR IN A TRANSACTION EXEMPT FROM OR OTHERWISE NOT SUBJECT TO SUCH
REGISTRATION. THE HOLDER OF AN INTEREST IN THE SECURITY EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, UNTIL 40 DAYS BEGINNING ON AND INCLUDING THE LATER OF (I)&nbsp;THE DATE ON WHICH THE SECURITIES ARE OFFERED TO PERSONS OTHER THAN
DISTRIBUTORS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT) AND (II)&nbsp;FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY
BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE
SECURITIES ACT TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A AND WHICH TAKES DELIVERY OF AN INTEREST IN THE RULE 144A GLOBAL NOTE (AS DEFINED IN THE THIRTEENTH SUPPLEMENTAL INDENTURE) AND WHICH HAS FURNISHED TO THE
TRUSTEE OR ITS AGENT A CERTIFICATE REPRESENTING THAT THE TRANSFERREE IS PURCHASING AN INTEREST IN THE SUBORDINATED NOTES EVIDENCED HEREBY FOR ITS OWN ACCOUNT OR AN ACCOUNT WITH RESPECT TO WHICH IT EXERCISES SOLE INVESTMENT DISCRETION AND THAT IT AND
ANY SUCH ACCOUNT IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) AND IS AWARE THAT THE SALE TO IT IS BEING MADE IN RELIANCE ON RULE&nbsp;144A AND, IF APPLICABLE, ACKNOWLEDGING THAT IT HAS RECEIVED SUCH
INFORMATION REGARDING THE COMPANY AS SUCH TRANSFEREE HAS REQUESTED PURSUANT TO RULE&nbsp;144A OR HAS DETERMINED NOT TO REQUEST SUCH INFORMATION AND THAT IT IS AWARE THAT THE </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
TRANSFEROR IS RELYING UPON ITS FOREGOING REPRESENTATIONS IN ORDER TO CLAIM THE EXEMPTION FROM REGISTRATION PROVIDED BY RULE&nbsp;144A, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT
STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION
STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS
OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE FOREGOING LEGEND MAY BE REMOVED FROM THIS SECURITY AFTER 40 DAYS BEGINNING ON
AND INCLUDING THE LATER OF (A)&nbsp;THE DATE ON WHICH THE SECURITIES ARE OFFERED TO PERSONS OTHER THAN DISTRIBUTORS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT) AND (B)&nbsp;FEBRUARY&nbsp;11, 2021.&#148; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Global Note Legend</I>. Each Global Note shall bear a legend in substantially the following form (with appropriate
changes in the last sentence if DTC is not the Depositary): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THIS GLOBAL NOTE IS HELD BY THE DEPOSITARY (AS DEFINED IN THE SUBORDINATED INDENTURE
GOVERNING THIS SUBORDINATED NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT THAT (I)&nbsp;THE TRUSTEE MAY MAKE SUCH NOTATIONS HEREON AS MAY BE
REQUIRED PURSUANT TO <U>SECTION</U><U></U><U>&nbsp;205(h)</U> OF THE THIRTEENTH SUPPLEMENTAL INDENTURE, (II)&nbsp;THIS GLOBAL NOTE MAY BE EXCHANGED IN WHOLE BUT NOT IN PART PURSUANT TO <U>SECTION</U><U></U><U>&nbsp;205(a)</U> OF THE THIRTEENTH
SUPPLEMENTAL INDENTURE, (III)&nbsp;THIS GLOBAL NOTE MAY BE DELIVERED TO THE TRUSTEE FOR CANCELLATION PURSUANT TO SECTION 308 OF THE BASE INDENTURE AND (IV)&nbsp;THIS GLOBAL NOTE MAY BE TRANSFERRED TO A SUCCESSOR DEPOSITARY WITH THE PRIOR WRITTEN
CONSENT OF THE COMPANY. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR SUBORDINATED NOTES IN DEFINITIVE FORM, THIS SUBORDINATED NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE
OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (55 WATER STREET, NEW YORK, NEW YORK) (&#147;DTC&#148;) TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF
CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR SUCH OTHER ENTITY AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE
OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Notwithstanding the foregoing (i)&nbsp;and (ii), any Global Note or
Definitive Note issued pursuant to subparagraph (b)(iv), (c)(ii), (c)(iii), (d)(ii), (d)(iii), (e)(ii), (e)(iii) or (f)&nbsp;of this <U>Section</U><U></U><U>&nbsp;205</U> (and all Subordinated Notes issued in exchange therefor or substitution
thereof) shall not bear any Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <I>Cancellation and/or Adjustment of Global Notes</I>. At such time as all
beneficial interests in a particular Global Note have been exchanged for Definitive Notes or a particular Global Note has been redeemed, repurchased or cancelled in whole and not in part, each such Global Note shall be returned to or retained and
cancelled by the Trustee in accordance with Section&nbsp;308 of the Base Indenture. At any time prior to such cancellation, if any beneficial interest in a Global Note is exchanged for or transferred to a Person who will take delivery thereof in the
form of a beneficial interest in another Global Note or for Definitive Notes, the principal amount of Notes represented by such Global Note shall be reduced accordingly and an endorsement shall be made on such Global Note by the Trustee or by the
Depositary at the direction of the Trustee to reflect such reduction; and if the beneficial interest is being exchanged for or transferred to a Person who will take delivery thereof in the form of a beneficial interest in another Global Note, such
other Global Note shall be increased accordingly and an endorsement shall be made on such Global Note by the Trustee or by the Depositary at the direction of the Trustee to reflect such increase. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>General Provisions Relating to Transfers and Exchanges.</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) To permit registrations of transfers and exchanges, the Company shall execute and the Trustee shall authenticate Global
Notes and Definitive Notes upon receipt of a Company Order for authentication thereof in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof or at the Security Registrar&#146;s request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) No service charge shall be made to a holder of a beneficial interest in a Global Note or to a Holder of a Definitive Note
for any registration of<I> </I>transfer or exchange, but the Company may require payment of a sum sufficient<I> </I>to cover any transfer tax or similar governmental charge payable in connection therewith (other than any such transfer taxes or
similar governmental charge payable upon exchange or transfer pursuant to Sections 304, 305, 306, 1106 and 1307 of the Base Indenture). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) The Company shall not be required (1)&nbsp;to issue, to register the transfer of or to exchange any Subordinated Notes
during a period beginning at the opening of business 15 days before the day of any selection of Subordinated Notes for redemption under <U>Section</U><U></U><U>&nbsp;203</U> hereof and ending at the close of business on the day of selection or
(2)&nbsp;to register the transfer of or to exchange a Subordinated Note between a Record Date (as defined in the Subordinated Notes) with respect to such Subordinated Note and the next succeeding Interest Payment Date with respect to such
Subordinated Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Neither the Security Registrar nor the Company shall be required to
register the transfer of or exchange any Subordinated Note selected for redemption in whole or in part. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) All Global
Notes and Definitive Notes issued upon any registration of transfer or exchange of Global Notes or Definitive Notes shall be the valid obligations of the Company, evidencing the same debt, and entitled to the same benefits under the Subordinated
Indenture, as the Global Notes or Definitive Notes surrendered upon such registration of transfer or exchange. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) Prior
to due presentment for the registration of a transfer of any Subordinated Note, the Trustee, any Paying Agent and the Company may deem and treat the Person in whose name any Subordinated Note is registered as the absolute owner of such Subordinated
Note for the purpose of receiving payment of principal of, premium, if any, and interest on such Subordinated Notes and for all other purposes, and none of the Trustee, any Paying Agent or the Company shall be affected by notice to the contrary.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) Upon surrender for registration of transfer of any Subordinated Note at the office or agency of the Company
designated pursuant to Section&nbsp;1202 of the Base Indenture, the Company shall execute, and the Trustee shall authenticate and mail, in the name of the designated transferee or transferees, one or more replacement Subordinated Notes of any
authorized denomination or denominations of a like aggregate principal amount. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) At the option of the Holder,
Subordinated Notes may be exchanged for other Subordinated Notes of any authorized denomination or denominations of a like aggregate principal amount upon surrender of the Subordinated Notes to be exchanged at such office or agency. Whenever any
Global Notes or Definitive Notes are so surrendered for exchange, the Company shall execute, and the Trustee shall authenticate and deliver, the replacement Global Notes and Definitive Notes which the Holder making the exchange is entitled to in
accordance with the provisions of Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) All certifications, certificates and Opinions of Counsel required to be submitted to the Security Registrar pursuant to
this <U>Section</U><U></U><U>&nbsp;205</U> to effect a registration of transfer or exchange may be submitted by facsimile or <FONT STYLE="white-space:nowrap">e-mail.</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) Neither the Trustee nor any Paying Agent shall have any responsibility or liability for any actions taken or not taken by
the Depositary. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) The Trustee shall have no obligation or duty to monitor, determine or
inquire as to compliance with any restrictions on transfer imposed under the Subordinated Indenture or under applicable law with respect to any transfer of any interest in any Subordinated Note other than to require delivery of such certificates and
other documentation or evidence as are expressly required by, and to do so if and when expressly required by the terms of, the Subordinated Indenture, and to examine the same to determine substantial compliance as to form with the express
requirements hereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) To the extent the Trustee reasonably requests such information, a Holder of Subordinated Notes
proposing to exchange or transfer such Subordinated Notes shall provide or cause to be provided to the Trustee sufficient information (but only to the extent that such Holder has knowledge of such information) to allow the Trustee to comply with any
applicable tax reporting obligations, including, without limitation, any cost basis reporting obligations under Section&nbsp;6045 of the Code. The Trustee may rely on the information provided to it and shall have no responsibility to verify or
ensure the accuracy of such information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;206 <I>Acceleration of Maturity</I>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The first paragraph of Section&nbsp;502 of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;If an Event of Default with respect to Subordinated Debt Securities of any series at the time Outstanding occurs, the principal of all
Outstanding Subordinated Debt Securities of such series, premium, if any, and any interest accrued thereon shall become due and payable immediately without any further action on the part of the Trustee or the Holders of such series of Subordinated
Debt Securities. Upon payment of such amounts, all obligations of the Company in respect of the payment of principal of and interest on the Subordinated Debt Securities of such series shall terminate.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;207 <I>Supplemental Indentures Without Consent of Holders.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1101 of the Base Indenture is amended to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Replace Section&nbsp;1101(2) in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(2) to add to the covenants of the Company, for the benefit of the Holders of all or any series of Subordinated Debt
Securities (and, if such covenants are to be for the benefit of less than all such series, stating that such covenants are expressly being included solely for the benefit of such series), to surrender any right or power herein conferred upon the
Company, or to provide for guarantees of the Subordinated Notes; or&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Replace Section&nbsp;1101(10) in its
entirety with the following: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(10) to cure any ambiguity, to correct or supplement any provision herein that may be
defective or inconsistent with any other provision herein, or to make any other provisions with respect to matters or questions arising under the Subordinated Indenture, including, without limitation, to reflect the occurrence of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
a Benchmark Substitution Event (as defined in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> to the Thirteenth Supplemental Indenture) or the implementation of any Adjustments
(as defined in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> to the Thirteenth Supplemental Indenture) following a Benchmark Substitution Event, provided such other provisions shall not adversely affect the interests of the
Holders of Outstanding Subordinated Debt Securities of any series created prior to the execution of such supplemental indenture in any material respect; provided, further, that solely with respect to the making of other provisions (and, for the
avoidance of doubt, excluding the curing of any ambiguity and the correcting or supplementing of any provision herein that may be defective or inconsistent with any other provision herein) pursuant to this Section&nbsp;1101(10), the Trustee shall be
entitled to receive and may conclusively rely on an Officer&#146;s Certificate from the Company that any such other provision does not adversely affect the interests of the Holders of Outstanding Subordinated Debt Securities of any series created
prior to the execution of such supplemental indenture in any material respect; or&#148;; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Add the following
immediately after Section&nbsp;1101(10): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(11) to make any change that does not materially adversely affect the
interests of the Holders of Outstanding Subordinated Debt Securities of any series; <I>provided </I>that solely with respect to this Section&nbsp;1101(11), the Trustee shall be entitled to receive and may conclusively rely on an Officer&#146;s
Certificate from the Company that any such modification, amendment or supplement does not materially adversely affect the interests of any Holder of Outstanding Subordinated Debt Securities of any series; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(12) to conform the terms of the Subordinated Debt Securities or this Subordinated Indenture with the description set forth in
any offering memorandum or other similar document relating to such Subordinated Debt Securities.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;208 <I>Corporate
Trust Office</I>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to the Subordinated Notes, the principal corporate trust office of the Trustee named in the preamble of
the Base Indenture as of the date of executed hereof is located at 240 Greenwich Street, New York, New York 10286. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;209
<I>Notice of Defaults.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;602 of the Base Indenture is amended to delete the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;either (A)&nbsp;a Responsible Officer of the Trustee assigned to the Trustee&#146;s Corporate Trust Administration Department shall have
actual knowledge of such default or (B)&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;210 <I>Registration Rights Agreement</I>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to the rights set forth under the Indenture, under the Registration Rights Agreement, Holders of Subordinated Notes and owners of
beneficial interests therein may be entitled to the benefits of certain provisions of the Registration Rights Agreement. By its acceptance of an interest in the Notes, each Holder or owner of a beneficial interest in a Subordinated Note is deemed to
have acknowledged and agreed to be bound by the provisions of the Registration Rights Agreement. The Company will provide a copy of the Registration Rights Agreement to any such Holder. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">MISCELLANEOUS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;301 <I>Effect of Headings.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Article and Section headings herein are for convenience only and shall not affect the construction hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;302 <I>Successors and Assigns.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All covenants and agreements in this Thirteenth Supplemental Indenture by the parties hereto shall bind their respective successors and
assigns and inure to the benefit of their permitted successors and assigns, whether so expressed or not. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;303 <I>Separability
Clause.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case any provision in this Thirteenth Supplemental Indenture or in the Subordinated Notes shall be invalid, illegal or
unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;304 <I>Governing Law.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Thirteenth Supplemental Indenture and the Subordinated Notes shall be deemed to be contracts made and to be performed entirely in the
State of New York, and for all purposes shall be governed by and construed in accordance with the laws of said State without regard to the conflicts of law rules of said State. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;305 <I>U.S.A. PATRIOT Act.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The parties hereto acknowledge that in accordance with Section&nbsp;326 of the U.S.A. PATRIOT Act, the Trustee is required to obtain, verify,
and record information that identifies each person or legal entity that establishes a relationship or opens an account with the Trustee. The parties to this Thirteenth Supplemental Indenture agree that they will provide the Trustee with such
information as the Trustee may request in order for the Trustee to satisfy the requirements of the U.S.A. PATRIOT Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;306
<I>FATCA.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Paying Agent and the Trustee shall be entitled to deduct or withhold from payments under this Thirteenth Supplemental
Indenture to the extent necessary to comply with an agreement described in Section&nbsp;1471(b) of the Code or otherwise imposed pursuant to Sections 1471 through 1474 of the Code and any regulations or agreements thereunder or official
interpretations thereof </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(&#147;<I>FATCA</I>&#148;). The Company hereby covenants that it will provide the Trustee and Paying Agent with sufficient information (but only to the extent that the Company has knowledge of
such information) so as to enable the Trustee and Paying Agent to determine whether or not each of the Trustee and Paying Agent, respectively, is obliged, in respect of any payments to be made by it pursuant to this Thirteenth Supplemental
Indenture, to make any withholding or deduction pursuant to an agreement described in Section&nbsp;1471(b) of the Code, or otherwise imposed pursuant to Section&nbsp;1471 through 1474 of the Code and any regulations, or agreements thereunder or
official interpretations thereof or any intergovernmental agreement between the United States and another jurisdiction facilitating the implementation thereof (or any law implementing such an intergovernmental agreement). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;307 <I>Electronic</I><I> Communications.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee shall have the right to accept and act upon instructions, including funds transfer instructions (&#147;<I>Instructions</I>&#148;)
given pursuant to this Thirteenth Supplemental Indenture and the Base Indenture and delivered using Electronic Means; provided, however, that the Company shall provide to the Trustee an incumbency certificate listing officers with the authority to
provide such Instructions (&#147;<I>Authorized Officers</I>&#148;) and containing specimen signatures of such Authorized Officers, which incumbency certificate shall be amended by the Company whenever a person is to be added or deleted from the
listing.&nbsp;If the Company elects to give the Trustee Instructions using Electronic Means and the Trustee in its discretion elects to act upon such Instructions, the Trustee&#146;s understanding of such Instructions shall be deemed
controlling.&nbsp;The Company understands and agrees that the Trustee cannot determine the identity of the actual sender of such Instructions and, if the Trustee believes in good faith that such Instructions are genuine and from the person
purporting to be the sender of such Instructions, that the Trustee shall have the right to conclusively presume that directions that purport to have been sent by an Authorized Officer listed on the incumbency certificate provided to the Trustee have
been sent by such Authorized Officer.&nbsp;The Company shall be responsible for ensuring that only Authorized Officers transmit such Instructions to the Trustee and that the Company and all Authorized Officers are solely responsible to safeguard the
use and confidentiality of applicable user and authorization codes, passwords and/or authentication keys upon receipt by the Company.&nbsp;The Trustee shall not be liable for any losses, costs or expenses arising directly or indirectly from the
Trustee&#146;s reliance upon and compliance with such Instructions notwithstanding such directions conflict or are inconsistent with a subsequent written instruction, unless such losses, costs or expenses were caused by the Trustee&#146;s gross
negligence, bad faith, fraud or willful misconduct.&nbsp;The Company agrees: (i)&nbsp;subject to the immediately preceding sentence, to assume all risks arising out of the use of Electronic Means to submit Instructions to the Trustee, including
without limitation the risk of the Trustee acting on unauthorized Instructions, and the risk of interception and misuse by third parties; (ii)&nbsp;that it is fully informed of the protections and risks associated with the various methods of
transmitting Instructions to the Trustee and that there may be more secure methods of transmitting Instructions than the method(s) selected by the Company; (iii)&nbsp;that the security procedures (if any) to be followed in connection with its
transmission of Instructions provide to it a commercially reasonable degree of protection in light of its particular needs and circumstances; and (iv)&nbsp;to notify the Trustee immediately upon learning of any material compromise or unauthorized
use of the security procedures to be followed in connection with its transmission of Instructions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Electronic Means</I>&#148; shall mean the following communications methods: <FONT
STYLE="white-space:nowrap">e-mail,</FONT> facsimile transmission, secure electronic transmission containing applicable authorization codes, passwords and/or authentication keys issued by the Trustee, or another method or system specified by the
Trustee as available for use in connection with its services hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;308 <I>Funds Held by </I><I>the</I><I> Trustee.</I>
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Funds held by the Trustee are to be held uninvested unless otherwise agreed in writing; <I>provided</I> that no such written agreement
shall be required with respect to U.S. Government Obligations deposited with the Trustee in accordance with <U>Article XIV</U> of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">* * * * * </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This instrument may
be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. As provided in the New York Electronic Signatures and
Records Act (N.Y. State Tech. &#167;&#167; <FONT STYLE="white-space:nowrap">301-309),</FONT> this instrument may be executed by facsimile signature or other electronic signature complying with such Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Thirteenth Supplemental Indenture to
be duly executed as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Senior Vice President and</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Assistant
Secretary</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON, <BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Laurence J. O&#146;Brien</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Laurence J. O&#146;Brien</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Vice President</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to the
Thirteenth Supplemental Indenture]</I> </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;A </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EACH PURCHASER OR HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT
(A)&nbsp;IT IS NOT A PLAN (INCLUDING A PENSION, PROFIT-SHARING OR OTHER EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (&#147;ERISA&#148;), AND AN ENTITY SUCH AS A COLLECTIVE INVESTMENT FUND, A
PARTNERSHIP, A SEPARATE ACCOUNT WHOSE UNDERLYING ASSETS INCLUDE THE ASSETS OF SUCH PLANS, AN INDIVIDUAL RETIREMENT ACCOUNT, A KEOGH PLAN FOR SELF-EMPLOYED INDIVIDUALS AND ANY OTHER PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE &#147;CODE&#148;)) AND ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES IS NOT MADE ON BEHALF OF OR WITH &#147;PLAN ASSETS&#148; OF ANY PLAN WITHIN THE MEANING OF U.S. DEPARTMENT OF LABOR REGULATION SECTION <FONT
STYLE="white-space:nowrap">2510.3-101</FONT> AS MODIFIED BY ERISA SECTION 3(42), OR (B)&nbsp;ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES WILL NOT RESULT IN A NONEXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE. IN ADDITION, EACH PURCHASER OR HOLDER OF THE NOTES OR ANY INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT SUCH PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION IS NOT AND WILL NOT BE
PROHIBITED UNDER SIMILAR RULES TO THE &#147;PROHIBITED TRANSACTION&#148; RULES OF ERISA OR SECTION 4975 OF THE CODE UNDER OTHER APPLICABLE LAWS OR REGULATIONS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BY ITS ACCEPTANCE OF AN INTEREST IN THIS SUBORDINATED NOTE, EACH HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN IS DEEMED TO HAVE ACKNOWLEDGED AND
AGREED TO BE BOUND BY THE PROVISIONS OF THE REGISTRATION RIGHTS AGREEMENT. THE COMPANY WILL PROVIDE A COPY OF THE REGISTRATION RIGHTS AGREEMENT TO A HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN WITHOUT CHARGE UPON WRITTEN REQUEST TO ITS
PRINCIPAL PLACE OF BUSINESS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>[CUSIP]<SUP STYLE="font-size:85%; vertical-align:top">1</SUP> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>[ISIN]<SUP STYLE="font-size:85%; vertical-align:top">2</SUP> </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[RULE 144A] [REGULATION S] [GLOBAL] NOTE </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>representing up to </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A CUSIP: 174610AX3 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S CUSIP: U1745PAF6 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A ISIN: US174610AX30 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S ISIN: USU1745PAF63 </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>3.750% Fixed Rate Reset Subordinated Notes due 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">No.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation, promises to pay to ________or registered assigns, the
principal sum [set forth on the Schedule of Exchanges of Interests in the Global Note attached hereto] [of _______ United States Dollars] on February&nbsp;11, 2031. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest Payment Dates: Beginning on August&nbsp;11, 2021, February&nbsp;11 and August&nbsp;11 of each year </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Record Dates: January&nbsp;27 and July&nbsp;27 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additional provisions of this Subordinated Note are set forth on the other side of this Subordinated Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-A-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS HEREOF, the Company has caused this Subordinated Note to be duly executed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Subordinated Notes referred to in the within-mentioned Subordinated Indenture: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON, <BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Back of Subordinated Note] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3.750% Fixed Rate Reset Subordinated Notes due 2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Capitalized terms used herein shall have the meanings assigned to them in the Subordinated Indenture referred to below unless otherwise
indicated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. INTEREST. Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), promises to pay interest on the principal
amount of this Subordinated Note at a rate per annum equal to (a)&nbsp;from February&nbsp;11, 2021 to, but excluding, February&nbsp;11, 2026 (the &#147;Reset Date&#148;), 3.750% and (b)&nbsp;from and including the Reset Date to, but excluding
February&nbsp;11, 2031 (the &#147;Maturity Date&#148;), the Five-Year U.S. Treasury Rate as of the day falling two Business Days prior to the Reset Date (the &#147;Reset Determination Date&#148;) <I>plus</I> 2.5%, in each case, computed on the basis
of a <FONT STYLE="white-space:nowrap">360-day</FONT> year comprised of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. The Company will pay interest on this Subordinated Note (i)&nbsp;semi-annually in arrears on February&nbsp;11 and
August&nbsp;11 of each year (each, an &#147;Interest Payment Date&#148;) or, if any such day is not a Business Day, on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date to the Holder of record
of this Subordinated Note on the 15th day preceding the applicable Interest Payment Date with respect to such Interest Payment Date (each, a &#147;Record Date&#148;). Interest on this Subordinated Note will accrue from the most recent date to which
interest has been paid or, if no interest has been paid, from and including February&nbsp;11, 2021; provided that the first Interest Payment Date shall be August&nbsp;11, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The &#147;<U>Five-Year U.S. Treasury Rate</U>&#148; means, as of the Reset Determination Date, (i)&nbsp;the average of the yields on actively
traded U.S. Treasury securities adjusted to constant maturity, for five-year maturities, for the five Business Days appearing (or, if fewer than five Business Days appear, such number of Business Days appearing) under the caption &#147;Treasury
Constant Maturities&#148; in the most recently published H.15 as of 5:00 p.m. (Eastern Time) (the &#147;Initial Base Rate&#148;) or (ii)&nbsp;if there are no such published yields on actively traded U.S. Treasury securities adjusted to constant
maturity, for five-year maturities, then the rate will be determined by interpolation between the average of the yields on actively traded U.S. Treasury securities adjusted to constant maturity for two series of actively traded U.S. Treasury
securities, (A)&nbsp;one maturing as close as possible to, but earlier than, the Maturity Date, and (B)&nbsp;the other maturing as close as possible to, but later than, the Maturity Date, in each case for the five business days appearing (or, if
fewer than five business days appear, such number of business days appearing) in the H.15 as of 5:00 p.m. (Eastern Time). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding
the foregoing, if the Company, in its sole discretion, determines on or prior to the Reset Determination Date that the Five-Year U.S. Treasury Rate cannot be determined in the manner described in the immediately preceding paragraph (a
&#147;Benchmark Substitution Event&#148;), the Company may, in its sole discretion, designate an unaffiliated agent or advisor (the &#147;Designee&#148;), to determine whether there is an industry-accepted successor rate to the Initial Base Rate. If
the Designee determines that there is such an industry-accepted successor rate, then the &#147;Five-Year U.S. Treasury Rate&#148; shall be such successor rate and, in that case, the Designee may then determine and adjust the business day convention,
the definition of business day and the Reset Determination Date to be used and any other relevant methodology for determining or otherwise calculating such successor rate, including any adjustment factor needed to make such successor rate comparable
to the Initial Base Rate, in each case, in a manner that is consistent with industry-accepted practices for the use of such successor rate (the &#147;Adjustments&#148;). If the Company, in its sole discretion, does not designate a Designee or if the
Designee determines that there is no industry-accepted successor rate to the Initial Base Rate, then the Five-Year U.S. Treasury Rate will be 0.424%. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;1, &#147;Business Day&#148; means any day that is not a
Saturday, a Sunday, a legal holiday or a day on which banking institutions or trust companies in the City of New York are authorized or obligated by law to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;H.15&#148; means the daily statistical release designated as such, or any successor publication, published by the Federal Reserve or any
successor. The interest rate for this Subordinated Note following the Reset Date will be determined by the Calculation Agent (as defined below), as of the Reset Determination Date. The Calculation Agent&#146;s determination of any interest rate this
Subordinated Note will be final and binding in the absence of manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless this Subordinated Note is redeemed in whole on the
Reset Date, the Company will appoint a calculation agent (the &#147;Calculation Agent&#148;) for this Subordinated Note prior to the Reset Determination Date. The Calculation Agent may be the Company or an affiliate thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. METHOD OF PAYMENT. The Company will pay interest on this Subordinated Note to the Person that is the registered Holder of this Subordinated Note at the
close of business on the Record Date (whether or not a Business Day) next preceding the Interest Payment Date, even if this Subordinated Note is cancelled after such Record Date and on or before such Interest Payment Date, except as provided in
Section&nbsp;307 of the Base Indenture with respect to Defaulted Interest. Notwithstanding the foregoing, the interest payment at Maturity will be payable to the person to whom principal is payable. Payment of interest may be made by check mailed to
the Holders at their addresses set forth in the Security Register of Holders; <I>provided</I> that (a)&nbsp;all payments of principal, premium, if any, and interest on, Subordinated Notes represented by Global Notes registered in the name of or held
by DTC or its nominee will be made by wire transfer of immediately available funds to the accounts specified by the Holder or Holders thereof or as may otherwise be in accordance with the Applicable Procedures of DTC and (b)&nbsp;all payments of
principal, premium, if any, and interest with respect to certificated Subordinated Notes will be made by wire transfer to a U.S. dollar account maintained by the payee with a bank in the United States if such Holder elects payment by wire transfer
by giving written notice to the Trustee or the Paying Agent to such effect designating such account no later than 30 days immediately preceding the relevant due date for payment (or such other date as the Trustee may accept in its discretion). Such
payment shall be in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. PAYING AGENT AND REGISTRAR. Initially, The Bank of New York Mellon, the Trustee under the Subordinated Indenture, will act as Paying Agent and Security
Registrar. The Company may change any Paying Agent or Security Registrar without notice to the Holders. The Company or any of its Subsidiaries may act in any such capacity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. SUBORDINATED INDENTURE. The Company issued the Subordinated Notes under a Subordinated Indenture, dated
as of September&nbsp;28, 2012 (the &#147;Base Indenture&#148;), as amended and supplemented by an Thirteenth Supplemental Indenture, dated as of February&nbsp;11, 2021 (the &#147;Thirteenth Supplemental Indenture,&#148; and the Base Indenture, as
amended and supplemented, including by the Thirteenth Supplemental Indenture, the &#147;Subordinated Indenture&#148;), each between the Company and the Trustee. This Subordinated Note is one of a duly authorized issue of Subordinated Debt Securities
of the Company designated as its &#147;3.750% Fixed Rate Reset Subordinated Notes due 2031&#148;. To the extent any provision of this Subordinated Note conflicts with the express provisions of the Subordinated Indenture, the provisions of the
Subordinated Indenture shall govern and be controlling. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. REDEMPTION. Except as described below, the Subordinated Notes shall not be redeemable at the
Company&#146;s option: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole
but not in part, on the Reset Date; (ii)&nbsp;in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory Capital Treatment
Event. Any such redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the redemption price shall be equal to 100% of the
Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date (the &#147;Redemption Price&#148;). If the Redemption Price in respect of the Subordinated
Notes is not paid on the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by Section&nbsp;203 of the Thirteenth Supplemental Indenture, any redemption of the
Subordinated Notes under Section&nbsp;203 of the Thirteenth Supplemental Indenture is subject to the terms and conditions of Article XIII of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">6. MANDATORY REDEMPTION, SINKING FUND. The Company shall not be required to make mandatory redemption or sinking fund payments with respect to the
Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">7. DEFEASANCE. The Subordinated Notes will be subject to defeasance and covenant defeasance pursuant to Article XIV of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">8. DENOMINATIONS, TRANSFER, EXCHANGE. The Subordinated Notes are in registered form without coupons in a minimum denomination of $2,000 and
authorized denominations of any integral multiples of $1,000 in excess thereof. The transfer of Subordinated Notes may be registered and Subordinated Notes may be exchanged as provided in the Subordinated Indenture. The Security Registrar and the
Trustee may require a Holder, among other things, to furnish appropriate endorsements and transfer documents and the Company may require a Holder to pay any taxes and fees required by law or permitted by the Subordinated Indenture. The Company need
not exchange or register the transfer of any Subordinated Note or portion of a Subordinated Note selected for redemption. Also, the Company need not exchange of register the transfer of any Subordinated Notes for a period of 15 days before a
selection of Subordinated Notes to be redeemed. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">9. PERSONS DEEMED OWNERS. The registered Holder of a Subordinated Note may be treated as its owner for all
purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">10. AMENDMENT, SUPPLEMENT AND WAIVER. The Subordinated Indenture or the Subordinated Notes may be amended or supplemented as provided in the
Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11. DEFAULTS AND REMEDIES. The only Events of Default with respect to the Subordinated Notes are set forth in Article V of the
Base Indenture. If an Event of Default with respect to the Subordinated Notes occurs, the principal of all Outstanding Subordinated Notes and any accrued and unpaid interest thereon shall become due and payable immediately without any further action
on the part of the Trustee or the Holders. Holders may not enforce the Subordinated Indenture or the Subordinated Notes except as provided in the Subordinated Indenture. Subject to certain limitations, Holders of not less than a majority in
principal amount of the Outstanding Subordinated Notes may direct the Trustee in its exercise of any trust or power. The Trustee may withhold from Holders of the Subordinated Notes notice of any default under the Subordinated Indenture (except a
default relating to the payment of principal of, premium, if any, or interest on the Subordinated Notes) if it determines that withholding notice is in their interest. The Holders of not less than a majority in principal amount of the Outstanding
Subordinated Notes may on behalf of the Holders of all of the Subordinated Notes waive any past default or its consequences under the Subordinated Indenture, except a default in payment of the principal of, premium, if any, or interest on, any of
the Subordinated Notes. The Company is required to deliver to the Trustee annually a statement regarding compliance with the Subordinated Indenture, and the Company is required to give prompt written notice to the Trustee of any insolvency,
bankruptcy, receivership, conservatorship, reorganization, readjustment of debt, marshaling of assets and liabilities or similar proceedings or any liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> or relating to the
Company as a whole, whether voluntary or involuntary, or of any default with respect to any Senior Indebtedness that would prevent the Trustee from making any payment in respect of the Subordinated Notes under Section&nbsp;1501 of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12. AUTHENTICATION. This Subordinated Note shall not be entitled to any benefit under the Subordinated Indenture or be valid or obligatory for
any purpose until authenticated by the Trustee in accordance with the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">13. GOVERNING LAW. THE SUBORDINATED INDENTURE AND THIS
SUBORDINATED NOTE SHALL BE DEEMED TO BE CONTRACTS MADE AND TO BE PERFORMED ENTIRELY IN THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE WITHOUT REGARD TO THE CONFLICTS OF LAW
RULES OF SAID STATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">14. CUSIP NUMBERS AND ISIN. Pursuant to a recommendation promulgated by the Committee on Uniform Security Identification Procedures,
the Company has caused CUSIP numbers and ISINs to be printed on the Subordinated Notes and the Trustee may use CUSIP numbers and ISINs in notices of redemption as a convenience to Holders. No representation is made as to the accuracy of such numbers
either as printed on the Subordinated Notes or as contained in any notice of redemption and reliance may be placed only on the other identification numbers placed thereon. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company will furnish to any Holder upon written request and without charge a copy of the Subordinated
Indenture. Requests may be made to the Company at the following address: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax No.: <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">203-583-4937</FONT></FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Robin S. Elkowitz </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ASSIGNMENT FORM </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To assign this Subordinated Note, fill in the form below: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s legal name)
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s social security or tax I.D. no.) </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Print or type assignee&#146;s name,
address and zip code) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and irrevocably appoint __________________________________________________________ to transfer this Subordinated Note on the books
of the Company. The agent may substitute another to act for him. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="40%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: ______________________</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Your&nbsp;Signature:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(Please sign exactly as your name appears on the face of this Subordinated Note)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: _____________________________________________ </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Trustee). </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE OF EXCHANGES OF INTERESTS IN THE GLOBAL NOTE* </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The initial Outstanding principal amount of this Global Note is
$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]. The following exchanges of a part of this Global Note for an interest in another Global Note or for a Definitive Note, or exchanges of a part of
another Global or Definitive Note for an interest in this Global Note, have been made: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="24%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Date of<BR>Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>decrease in<BR>Principal<BR>Amount of this<BR>Global
Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>increase in<BR>Principal<BR>Amount of this<BR>Global
Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal<BR>Amount of this<BR>Global Note<BR>following
such<BR>decrease or<BR>increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature of<BR>authorized<BR>officer of Trustee<BR>or
Custodian</P></TD></TR></TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">This schedule should be included only if the Subordinated Note is issued in global form. </P></TD></TR></TABLE>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;B </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF TRANSFEROR CERTIFICATE OF TRANSFER </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon 240 Greenwich
Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10286 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Re:
<U>3.750% Fixed Rate Reset Subordinated Notes due 2031</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of
September&nbsp;28, 2012, as amended and supplemented by the Thirteenth Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and
The Bank of New York Mellon. Capitalized terms used but not defined herein shall have the meanings given to them in the Subordinated Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">_______________(the &#147;Transferor&#148;) owns and proposes to transfer the Subordinated Note[s] or interest in such Subordinated Note[s]
specified in Annex A hereto, in the principal amount of $______________in such Subordinated Note[s] or interests (the &#147;Transfer&#148;), to_______________(the &#147;Transferee&#148;), as further specified in Annex A hereto. In connection with
the Transfer, the Transferor hereby certifies that: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ALL THAT APPLY] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. [ ] CHECK IF TRANSFEREE WILL TAKE DELIVERY OF A BENEFICIAL INTEREST IN THE RELEVANT 144A GLOBAL NOTE OR RELEVANT DEFINITIVE NOTE PURSUANT TO RULE 144A. The
Transfer is being effected pursuant to and in accordance with Rule 144A and, accordingly, the Transferor hereby further certifies that the interest in the Subordinated Note[s] is being transferred to a Person that the Transferor reasonably believes
is purchasing such interest in the Subordinated Note[s] for its own account, or for an account with respect to which such Person exercises sole investment discretion, such Person and each such account is a &#147;qualified institutional buyer&#148;
(as defined in Rule 144A), and such Person is aware that the sale to it is being made in reliance on Rule 144A. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. [ ] CHECK IF TRANSFEREE WILL TAKE
DELIVERY OF A BENEFICIAL INTEREST IN THE RELEVANT REGULATION S GLOBAL NOTE OR&nbsp;&nbsp;&nbsp;&nbsp;RELEVANT DEFINITIVE NOTE PURSUANT TO REGULATION S. The Transfer is being effected pursuant to and in accordance with Rule 903 or Rule 904 of
Regulation S promulgated under the Securities Act and, accordingly, the Transferor hereby further certifies that (i)&nbsp;the Transfer is not being made to a person in the United States and (x)&nbsp;at the time the buy order was originated, the
Transferee was outside the United States or such Transferor and any Person acting on its behalf reasonably believed and believes that the Transferee was outside the United States or (y)&nbsp;the transaction was executed in, on or through the
facilities of a designated offshore securities market and neither such Transferor nor any Person acting on its behalf knows that the transaction was prearranged with a buyer in the United States, (ii)&nbsp;no directed
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
selling efforts have been made in contravention of the requirements of Rule 903(b) or Rule 904(b) of Regulation S, (iii)&nbsp;the transaction is not part of a plan or scheme to evade the
registration requirements of the Securities Act and (iv)&nbsp;if the proposed transfer is being made prior to the expiration of the applicable Restricted Period, the transfer is not being made to a U.S. Person or for the account or benefit of a U.S.
Person (other than an Initial Purchaser). Upon consummation of the proposed transfer in accordance with the terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will be subject to the restrictions on Transfer
enumerated in the Subordinated Indenture and the Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. [ ] CHECK AND COMPLETE IF TRANSFEREE WILL TAKE DELIVERY OF A BENEFICIAL INTEREST IN
THE RELEVANT DEFINITIVE NOTE PURSUANT TO ANY PROVISION OF THE SECURITIES ACT OTHER THAN RULE 144A OR REGULATION S. The Transfer is being effected in compliance with the transfer restrictions applicable to beneficial interests in Restricted Global
Notes and Restricted Definitive Notes and pursuant to and in accordance with the Securities Act and any applicable blue sky securities laws of any state of the United States, and accordingly the Transferor hereby further certifies that (check one):
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected pursuant to and in accordance with Rule 144 under the Securities Act; or
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected to the Company or a subsidiary thereof; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected pursuant to an effective registration Statement under the Securities Act
and in compliance with the prospectus delivery requirements of the Securities Act. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. [ ] CHECK IF TRANSFEREE WILL TAKE DELIVERY OF A
BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OR OF AN UNRESTRICTED DEFINITIVE NOTE. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO RULE 144. (i) The Transfer is being effected pursuant to and in accordance
with Rule 144 promulgated under the Securities Act and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky securities laws of any state of the United States and (ii)&nbsp;the restrictions
on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon consummation of the proposed Transfer in accordance with the terms of the
Subordinated Indenture, the transferred beneficial interest or Definitive Note will no longer be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the Restricted Global Notes, on Restricted Definitive
Notes and in the Subordinated Indenture. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO REGULATION S. (i)&nbsp;The Transfer is being effected pursuant to and in
accordance with Rule 903 or Rule 904 of Regulation S promulgated under the Securities Act and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky securities laws of any state of the United
States and (ii)&nbsp;the restrictions on transfer contained in the </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon consummation of the proposed Transfer in accordance with the
terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will no longer be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the Restricted Global Notes, on Restricted
Definitive Notes and in the Subordinated Indenture. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO OTHER EXEMPTION. (i)&nbsp;The Transfer is being effected pursuant to and
in compliance with an exemption from the registration requirements of the Securities Act other than Rule 144, Rule 903 or Rule 904 and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky
securities laws of any State of the United States and (ii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon
consummation of the proposed Transfer in accordance with the terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will not be subject to the restrictions on transfer enumerated in the Private Placement Legend
printed on the Restricted Global Notes or Restricted Definitive Notes and in the Subordinated Indenture. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferor]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"><FONT STYLE="font-size:10pt">Name:</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"><FONT STYLE="font-size:10pt">Title:</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ______________________________ </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">ANNEX A TO CERTIFICATE OF TRANSFER </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Transferor owns and proposes to transfer the following: </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ONE OF (a)&nbsp;OR (b)] </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a beneficial interest in the: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] 144A Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]<SUP
STYLE="font-size:85%; vertical-align:top">3</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Regulation S Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]<SUP
STYLE="font-size:85%; vertical-align:top">4</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a Restricted Definitive Note. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">After the Transfer the Transferee will hold: </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ONE] </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a beneficial interest in the: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] 144A Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]<SUP
STYLE="font-size:85%; vertical-align:top">1</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Regulation S Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]<SUP
STYLE="font-size:85%; vertical-align:top">2</SUP>)or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Unrestricted Global Note ([&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]); or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a Restricted Definitive Note; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] an Unrestricted Definitive Note, in accordance with the terms of the Subordinated Indenture.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A Initial CUSIP: 174610AX3 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">4</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S Initial CUSIP: U1745PAF6 </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;C </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF TRANSFEREE CERTIFICATE OF TRANSFER </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon 240 Greenwich
Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10286 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Re: <U>3.750% Fixed Rate Reset Subordinated Notes due 2031</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28, 2012, as amended and supplemented by the Thirteenth
Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York Mellon. Capitalized terms used but not defined
herein shall have the meanings given to them in the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">_______________(the &#147;Transferor&#148;) owns and proposes
to transfer the Subordinated Note[s] or interest in such Subordinated Note[s] specified in Annex A hereto, in the principal amount of $________________ in such Subordinated Note[s] or interests (the &#147;Transfer&#148;), to___________________ (the
&#147;Transferee&#148;), as further specified in Annex A hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the Transfer, the Transferee hereby certifies that:
The Transfer is being effected pursuant to and in accordance with Rule 144A and, accordingly, the Transferee hereby certifies that the Transferee is purchasing an interest in the Subordinated Note[s] for its own account or an account with respect to
which it exercise sole investment discretion and that it and any such account is a &#147;qualified institutional buyer&#148; (as defined in Rule 144A) and is aware that the sale to it is being made in reliance on Rule 144A. [<I>Include if applicable
under Rule 144A(d)</I>: The Transferee acknowledges that it has received such information regarding the Company as it has requested pursuant to Rule 144A or has determined not to request such information and that it is aware that the Transferor is
relying upon its foregoing representations in order to claim the exemption from registration provided by Rule 144A.] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferee]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"><FONT STYLE="font-size:10pt">Name:</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"><FONT STYLE="font-size:10pt">Title:</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ___________________ </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;D </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF CERTIFICATE OF EXCHANGE </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens
Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT
06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">240 Greenwich Street
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10286 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Re: <U>3.750%
Fixed Rate Reset Subordinated Notes due 2031</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28,
2012, as amended and supplemented by the Thirteenth Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York
Mellon. Capitalized terms used but not defined herein shall have the meanings given to them in the Subordinated Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">__________________(the &#147;Owner&#148;) owns and proposes to exchange the Subordinated Note[s] or interest in such Subordinated Note[s]
specified herein, in the principal amount of $__________________in such Subordinated Note[s] or interests (the &#147;Exchange&#148;). In connection with the Exchange, the Owner hereby certifies that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1) EXCHANGE OF RESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN A RESTRICTED GLOBAL NOTE FOR UNRESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN AN
UNRESTRICTED GLOBAL NOTE OF THE SAME SERIES </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL
NOTE TO BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for a beneficial interest in an Unrestricted Global Note of the same
series in an equal principal amount, the Owner hereby certifies (i)&nbsp;the beneficial interest is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer
restrictions applicable to the Global Notes and pursuant to and in accordance with the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), (iii) the restrictions on transfer contained in the Subordinated Indenture and the Private
Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the beneficial interest in an Unrestricted Global Note is being acquired in compliance with any applicable blue sky securities laws of any state
of the United States. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL
NOTE TO UNRESTRICTED DEFINITIVE NOTE OF THE SAME SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for an Unrestricted Definitive Note of the same series, the Owner hereby certifies
(i)&nbsp;the Definitive Note is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to the Restricted Global Notes and pursuant to and in
accordance with the Securities Act, (iii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the
Definitive Note is being acquired in compliance with any applicable blue sky securities laws of any state of the United States. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED DEFINITIVE NOTE TO BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME
SERIES. In connection with the Owner&#146;s Exchange of a Restricted Definitive Note for a beneficial interest in an Unrestricted Global Note of the same series, the Owner hereby certifies (i)&nbsp;the beneficial interest is being acquired for the
Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to Restricted Definitive Notes and pursuant to and in accordance with the Securities Act, (iii)&nbsp;the
restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the beneficial interest is being acquired in compliance with any
applicable blue sky securities laws of any state of the United States. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">d) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED
DEFINITIVE NOTE TO UNRESTRICTED DEFINITIVE NOTE OF THE SAME SERIES. In connection with the Owner&#146;s Exchange of a Restricted Definitive Note for an Unrestricted Definitive Note of the same series, the Owner hereby certifies (i)&nbsp;the
Unrestricted Definitive Note is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to Restricted Definitive Notes and pursuant to and in
accordance with the Securities Act, (iii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the
Unrestricted Definitive Note is being acquired in compliance with any applicable blue sky securities laws of any state of the United States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2) EXCHANGE
OF RESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN RESTRICTED GLOBAL NOTES FOR RESTRICTED DEFINITIVE NOTES OF THE SAME SERIES OR BENEFICIAL INTERESTS IN RESTRICTED GLOBAL NOTES OF THE SAME SERIES </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL NOTE TO RESTRICTED DEFINITIVE NOTE OF THE SAME
SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for a Restricted Definitive Note of the same series with an equal principal amount, the Owner hereby certifies that the Restricted Definitive
Note is being acquired for the Owner&#146;s own account without transfer. Upon consummation of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
proposed Exchange in accordance with the terms of the Subordinated Indenture, the Restricted Definitive Note issued will continue to be subject to the restrictions on transfer enumerated in the
Private Placement Legend printed on the Restricted Definitive Note and in the Subordinated Indenture and the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED DEFINITIVE NOTE TO BENEFICIAL INTEREST IN A RESTRICTED GLOBAL NOTE OF THE SAME
SERIES. In connection with the Exchange of the Owner&#146;s Restricted Definitive Note for a beneficial interest in the [CHECK ONE] [ ] 144A Global Note [ ] Regulation S Global Note of the same series, with an equal principal amount, the Owner
hereby certifies (i)&nbsp;the beneficial interest is being acquired for the Owner&#146;s own account without transfer and (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to the Restricted Global
Notes and pursuant to and in accordance with the Securities Act, and in compliance with any applicable blue sky securities laws of any state of the United States. Upon consummation of the proposed Exchange in accordance with the terms of the
Subordinated Indenture, the beneficial interest issued will be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the relevant Restricted Global Note and in the Subordinated Indenture and the Securities
Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferor]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: __________________ </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-4 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.4
<SEQUENCE>4
<FILENAME>d122408dex44.htm
<DESCRIPTION>EX-4.4
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.4</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 4.4 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CITIZENS FINANCIAL GROUP, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Issuer </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THE BANK OF NEW YORK MELLON </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Trustee </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FOURTEENTH
SUPPLEMENTAL INDENTURE </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of February&nbsp;11, 2021 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">to </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SUBORDINATED INDENTURE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of September&nbsp;28, 2012 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$60,547,000 Principal Amount 4.350% Fixed Rate Reset Subordinated Notes due 2031 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">P<SMALL>AGE</SMALL></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">ARTICLE I</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="6" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman; " ALIGN="center">DEFINITIONS AND OTHER PROVISIONS OF GENERAL
APPLICATION</P></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;101</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Relation to Base Indenture</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;102</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Incorporation by Reference of Trust Indenture Act</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;103</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Trust Indenture Act to Control</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;104</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Definitions</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">ARTICLE II</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">TERMS AND CONDITIONS OF THE SUBORDINATED NOTES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;201</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Form of Subordinated Notes</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;202</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Title and General Terms</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;203</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Redemption</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;204</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Reports and Other Information</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;205</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Transfer and Exchange</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;206</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Acceleration of Maturity</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;207</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Supplemental Indentures Without Consent of Holders</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;208</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Corporate Trust Office</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;209</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Notice of Defaults</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;210</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Registration Rights Agreement</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">ARTICLE III</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">MISCELLANEOUS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;301</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Effect of Headings</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;302</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Successors and Assigns</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;303</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Separability Clause</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;304</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Governing Law</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;305</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>U.S.A. PATRIOT Act</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;306</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>FATCA</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;307</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Electronic Communications</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;308</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><I>Funds Held by the Trustee</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXHIBIT&nbsp;A</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">A-1</FONT></TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXHIBIT&nbsp;B</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">B-1</FONT></TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXHIBIT&nbsp;C</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">C-1</FONT></TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXHIBIT&nbsp;D</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">D-1</FONT></TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CROSS-REFERENCE TABLE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reconciliation and tie showing the location in the Base Indenture, dated as of September&nbsp;28, 2012, of the provisions inserted pursuant to
Sections 310 to 318(a), inclusive, of the Trust Indenture Act, unless otherwise indicated. This reconciliation and tie shall not, for any purpose, be deemed to be a part of the Subordinated Indenture. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="89%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Trust Indenture Act of 1939 Section</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="border-bottom:1.00pt solid #000000">Indenture&nbsp;Section</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">310&#8201;&#8201;(a)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(a)(2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(a)(5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">608&nbsp;and&nbsp;610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">312&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">701</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">313&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">314&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)(2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(e)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">315&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(d)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(e)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">316&#8201;&#8201;(a)(1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">512</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(c)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">317&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8194;&#8201;(b)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">318&#8201;&#8201;(a)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">103</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Refers to Section&nbsp;103 of the Fourteenth Supplemental Indenture. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">FOURTEENTH SUPPLEMENTAL INDENTURE, dated as of February&nbsp;11, 2021 (the
&#147;<I>Fourteenth Supplemental Indenture</I>&#148;), between Citizens Financial Group, Inc., a Delaware corporation (the &#147;<I>Company</I>&#148;), and The Bank of New York Mellon, a New York banking corporation, as Trustee hereunder (the
&#147;<I>Trustee</I>&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">RECITALS OF THE COMPANY </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has heretofore executed and delivered to The Bank of New York Mellon, as trustee, a Subordinated Indenture, dated as of
September&nbsp;28, 2012 (the &#147;<I>Base Indenture</I>,&#148; as the same may be amended or supplemented from time to time, including by this Fourteenth Supplemental Indenture, the &#147;<I>Subordinated Indenture</I>&#148;), providing for the
issuance from time to time of the Company&#146;s subordinated debt securities (herein and therein called the &#147;<I>Subordinated Debt Securities</I>&#148;), to be issued in one or more series as provided in the Base Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Sections 201, 301 and 1101 of the Base Indenture permit the Company and the Trustee to enter into an indenture supplemental to the
Base Indenture to provide for the issuance of, and establish the form and terms of, additional series of Subordinated Debt Securities; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has authorized the issuance of $60,547,000 in aggregate principal amount of its 4.350% Fixed Rate Reset Subordinated
Notes due 2031; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Subordinated Notes will be established as a series of Subordinated Debt Securities under the Subordinated
Indenture; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has duly authorized the execution and delivery of this Fourteenth Supplemental Indenture to establish the
form and terms of the Subordinated Notes; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, all things necessary have been done to make this Fourteenth Supplemental Indenture
a valid agreement of the Company, in accordance with its terms; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, THIS INDENTURE WITNESSETH: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For and in consideration of the premises and the purchase of the Subordinated Notes by the Holders thereof, it is mutually covenanted and
agreed, for the equal and proportionate benefit of all Holders of the Subordinated Notes, as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE I </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;101 <I>Relation to Base Indenture.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Fourteenth Supplemental Indenture constitutes a part of the Base Indenture (the provisions of which, as modified by this Fourteenth
Supplemental Indenture, shall apply to the Subordinated Notes) in respect of the Subordinated Notes but shall not modify, amend or otherwise affect the Base Indenture insofar as it relates to any other series of Subordinated Debt Securities or
affects in any manner the terms and conditions of the Subordinated Debt Securities of any other series. For the avoidance of doubt, the First through Eleventh Supplemental Indentures to the Base Indenture and the Twelfth and Thirteenth Supplemental
Indentures to the Base Indenture entered into concurrently with this Fourteenth Supplemental Indenture shall not apply to the Subordinated Notes. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;102 <I>Incorporation</I><I> by Reference of Trust Indenture Act.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Subordinated Indenture is subject to the mandatory provisions of the Trust Indenture Act, which are incorporated by reference in and made
a part of the Subordinated Indenture. The following Trust Indenture Act terms have the following meanings: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture Securities</I>&#148; shall mean the Subordinated Debt Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture to Be Qualified</I>&#148; shall mean the Subordinated Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indenture Trustee or Institutional Trustee</I>&#148; shall mean the Trustee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Obligor</I>&#148; with reference to Indenture Securities shall mean the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All other terms in the Subordinated Indenture that are defined by the Trust Indenture Act, defined by it by reference to another statute or
defined by the Commission rule have the meanings assigned to them by such definitions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;103 <I>Trust Indenture Act to
Control.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any provision included in the Subordinated Indenture limits, qualifies or conflicts with another provision included in
the Subordinated Indenture that is required to be included in the Subordinated Indenture by the Trust Indenture Act, such required provision shall control. If any provision of the Subordinated Indenture modifies or excludes any provision of the
Trust Indenture Act that may be so modified or excluded, the latter provision shall be deemed to apply to the Subordinated Indenture as so modified or to be excluded, as the case may be. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;104 <I>Definitions.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For all purposes of this Fourteenth Supplemental Indenture, the capitalized terms used herein that are defined in this
<U>Section</U><U></U><U>&nbsp;104</U> have the respective meanings assigned hereto in this <U>Section</U><U></U><U>&nbsp;104</U>, and the capitalized terms used herein that are defined in the Base Indenture and not defined in this
<U>Section</U><U></U><U>&nbsp;104</U> have the respective meanings assigned thereto in the Base Indenture. For all purposes of this Fourteenth Supplemental Indenture: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the terms defined in this Article I have the meanings assigned to them in this Article I, and include the plural as well as
the singular; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) all other terms used herein that are defined in the Trust Indenture Act, either directly or by reference
therein, have the meanings assigned to them therein; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) all accounting terms not otherwise defined herein have the
meanings assigned to them in accordance with U.S. GAAP, and, except as otherwise herein expressly provided, the term &#147;<I>U.S. GAAP</I>&#148; with respect to any computation required or permitted hereunder shall mean U.S. GAAP at the date of
such computation; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) the words &#147;<I>herein</I>,&#148; &#147;<I>hereof</I>&#148; and
&#147;<I>hereunder</I>&#148; and other words of similar import refer to this Fourteenth Supplemental Indenture as a whole and not to any particular Article, Section or other subdivision; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) for the avoidance of doubt, any reference to a facsimile signature shall include an image of a signature produced
electronically. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>144A Global Note</I>&#148; means a Global Note substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;A</U>, bearing the Global Note Legend and the 144A Legend and deposited with or on behalf of, and registered in the name of the Depositary or its nominee, issued in a denomination equal to the Outstanding principal
amount of the Subordinated Notes sold in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>144A Legend</I>&#148;
means the legend set forth in <U>Section</U><U></U><U>&nbsp;205(g)(i)</U> hereof to be placed on all Subordinated Notes issued under the Subordinated Indenture and sold in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs, except where
otherwise permitted by the provisions of this Fourteenth Supplemental Indenture. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Additional Notes</I>&#148; shall have the
meaning set forth in <U>Section</U><U></U><U>&nbsp;202(j)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Agent&#146;s Message</I>&#148; means a computer-generated
message, transmitted by DTC to, and received by, the exchange agent for the Registered Exchange Offer and forming a part of a book-entry conformation, which states that DTC has received an express acknowledgment from the tendering participant that
such participant has received and agrees to be bound by, and makes the representations and warranties contained in, the Letter of Transmittal and that the Company may enforce the Letter of Transmittal against such participant. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Applicable Procedures</I>&#148; means, with respect to any transfer or exchange of or for beneficial interests in any Global Note,
the rules and procedures of the Depositary, Euroclear and Clearstream that apply to such transfer or exchange, and, with respect to any payments on or notices in respect of any Global Note, the rules and procedures of the Depositary that apply to
such payment or notice. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Appropriate Federal Banking Agency</I>&#148; means the &#147;appropriate federal banking agency&#148;
with respect to the Company as defined in Section&nbsp;3(q) of the Federal Deposit Insurance Act (12&nbsp;U.S.C. &#167; 1813(q)), or any successor provision. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Base Indenture</I>&#148; has the meaning set forth in the recitals of the Company of this Fourteenth Supplemental Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Clearstream</I>&#148; means Clearstream Banking, <I>Soci&eacute;t&eacute; Anonyme</I> and its successors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Code</I>&#148; means the Internal Revenue Code of 1986 as in effect on the date hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Company</I>&#148; means the Person named as the &#147;<I>Company</I>&#148; in the
first paragraph of this Fourteenth Supplemental Indenture until a successor corporation shall have become such pursuant to the applicable provisions of the Subordinated Indenture, and thereafter &#147;<I>Company</I>&#148; shall mean such successor
corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Dealer Managers</I>&#148; means, with respect to the Subordinated Notes, Credit Suisse Securities (USA) LLC,
Barclays Capital Inc., BofA Securities, Inc. and Citizens Capital Markets, Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Definitive Note</I>&#148; means a certificated
Subordinated Note registered in the name of the Holder thereof and issued in accordance with <U>Section</U><U></U><U>&nbsp;205</U> hereof, substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, except that such Subordinated Note shall not
bear the Global Note Legend and shall not have the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>DTC</I>&#148; means The Depository Trust Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Act</I>&#148; means the Securities Exchange Act of 1934, as amended. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Notes</I>&#148; means the Subordinated Notes issued in the Registered Exchange Offer pursuant to
<U>Section</U><U></U><U>&nbsp;205(f)</U> or pursuant to a registered exchange offer for Subordinated Notes with a Private Placement Legend issued after the Original Issue Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Exchange Offer Registration Statement</I>&#148; means a registration statement of the Company on an appropriate form under the
Securities Act with respect to the Registered Exchange Offer, all amendments and supplements to such registration statement, including post-effective amendments thereto, in each case including the prospectus contained therein, all exhibits thereto
and all material incorporated by reference therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Euroclear</I>&#148; means Euroclear Bank S.A./N.V., as operator of the
Euroclear system, and its successors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>FATCA</I>&#148; has the meaning set forth in <U>Section</U><U></U><U>&nbsp;306</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Federal Reserve</I>&#148; means the Board of Governors of the Federal Reserve System. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Fourteenth</I> <I>Supplemental Indenture</I>&#148; has the meaning set forth in the first paragraph of this instrument. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Global Note Legend</I>&#148; means the legend set forth in <U>Section</U><U></U><U>&nbsp;205(g)(iii)</U> hereof, which is required to
be placed on all Global Notes issued under the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Global Notes</I>&#148; means, individually and
collectively, each of the Restricted Global Notes and the Unrestricted Global Notes, substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, issued in accordance with <U>Section</U><U></U><U>&nbsp;201</U>,
<U>Section</U><U></U><U>&nbsp;205(b)</U>, <U>Section</U> 205(d) or Section 205(f) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Indirect Participant</I>&#148; means a
Person who holds a beneficial interest in a Global Note through a Participant. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Initial Notes</I>&#148; means the $60,547,000 aggregate principal amount of 4.350%
Fixed Rate Reset Subordinated Notes due 2031 of the Company issued on the Original Issue Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Letter of Transmittal</I>&#148;
means the letter of transmittal or similar documentation to be prepared by the Company and sent to all holders of the Subordinated Notes to be executed and delivered by such holders (or agreed to by such holders pursuant to an Agent&#146;s Message)
in connection with the Registered Exchange Offer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Original Issue Date</I>&#148; means February&nbsp;11, 2021, the date of
original issuance of the Initial Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Participant</I>&#148; means, with respect to the Depositary, a Person who has an account
with the Depositary (and, with respect to DTC, shall include Euroclear and Clearstream). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Person</I>&#148; means any individual,
corporation, partnership, joint venture, association, joint stock company, trust, estate, unincorporated organization or government or any agency or political subdivision thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Private Placement Legend</I>&#148; means the 144A Legend or Regulation S Legend, as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>QIB</I>&#148; means a &#147;qualified institutional buyer&#148; as defined in Rule 144A. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Redemption Price</I>&#148; has the meaning set forth in <U>Section</U><U></U><U>&nbsp;203(b)</U> of this Fourteenth Supplemental
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Registered Exchange Offer</I>&#148; means the proposed offer of the Company to issue and deliver, or cause to be
issued and delivered, to the Holders of the Subordinates Notes or the owners of beneficial interests therein that are not prohibited by any law or policy of the Commission from participating in such offer, in exchange for the Subordinated Notes
initially sold in reliance on Section&nbsp;4(a)(2) of the Act or on Rule 903, a like aggregate principal amount of Subordinated Notes identical in all material respects to the Subordinated Notes being exchanged (except that the transfer restrictions
on the Subordinated Notes being exchanged shall be modified or eliminated, as appropriate). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Registration Rights
Agreement</I>&#148; means the Registration Rights Agreement relating to the Subordinated Notes, dated as of February&nbsp;11, 2021, by and among the Company and the Dealer Managers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S</I>&#148; means Regulation S promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S Global Note</I>&#148; means a Global Note substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, bearing the
Global Note Legend and the Regulation S Legend and deposited with or on behalf of, and registered in the name of the Depositary or its nominee, issued in a denomination equal to the Outstanding principal amount of the Subordinated Notes initially
sold in reliance on Rule 903. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulation S Legend</I>&#148; means the legend set forth in
<U>Section</U><U></U><U>&nbsp;205(g)(ii)</U> hereof to be placed on all Subordinated Notes issued under the Subordinated Indenture and initially sold in reliance on Rule 903, except where otherwise permitted by the provisions of this Fourteenth
Supplemental Indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Regulatory Capital Treatment Event</I>&#148; means the good faith determination by
the Company that, as a result of (i)&nbsp;any amendment to, or change in, the laws, rules or regulations of the United States (including, for the avoidance of doubt, any agency or instrumentality of the United States, including the Federal Reserve
and other Federal bank regulatory agencies) or any political subdivision of or in the United States that is enacted or becomes effective after the Original Issue Date, (ii)&nbsp;any proposed change in those laws, rules or regulations that is
announced or becomes effective after the Original Issue Date, or (iii)&nbsp;any official administrative decision or judicial decision or administrative action or other official pronouncement interpreting or applying those laws, rules or regulations
or policies with respect thereto that is announced after the Original Issue Date, there is more than an insubstantial risk that the Company will not be entitled to treat the Subordinated Notes then Outstanding as &#147;Tier 2 capital&#148; (or its
equivalent) for purposes of the capital adequacy rules of the Federal Reserve (or, as and if applicable, the capital adequacy rules or regulations of any successor Appropriate Federal Banking Agency) as then in effect and applicable, for so long as
the Subordinated Notes are Outstanding, to at least the same extent as on the Original Issue Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Reset Date</I>&#148; shall
have the meaning set forth in <U>Section</U><U></U><U>&nbsp;203(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Restricted Definitive Note</I>&#148; means a Definitive
Note bearing, or that is required to bear, a Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Restricted Global Note</I>&#148; means a Global Note
bearing, or that is required to bear, a Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 144</I>&#148; means Rule 144 promulgated under the
Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 144A</I>&#148; means Rule 144A promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 903</I>&#148; means Rule 903 promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Rule 904</I>&#148; means Rule 904 promulgated under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Securities Act</I>&#148; means the Securities Act of 1933, as amended, and unless context requires otherwise, the rules and
regulations of the Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Shelf Registration Statement</I>&#148; means a &#147;shelf&#146;
registration statement of the Company pursuant to the provisions of the Registration Rights Agreement, which covers some or all of the Subordinated Notes, on an appropriate form under Rule&nbsp;415 under the Securities Act, or any similar rule that
may be adopted by the Commission, amendments and supplements to such registration statement, including post-effective amendments and the prospectus contained therein, all exhibits thereto and all material incorporated by reference therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Subordinated Indenture</I>&#148; has the meaning set forth in the recitals of the Company of this Fourteenth Supplemental Indenture.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Subordinated Notes</I>&#148; means the Initial Notes, the Exchange Notes and any
other notes issued after the Issue Date in accordance with <U><BR>Section</U><U></U><U>&nbsp;202(j)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Trustee</I>&#148; means
the Person named as the &#147;<I>Trustee</I>&#148; in the first paragraph hereof until a successor Person shall have become such pursuant to the applicable provisions of the Subordinated Indenture, and thereafter &#147;<I>Trustee</I>&#148; shall
mean such successor Person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Unrestricted Definitive Note</I>&#148; means one or more Definitive Notes that do not bear and are
not required to bear a Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Unrestricted Global Note</I>&#148; means a Global Note, substantially in the
form of <U>Exhibit</U><U></U><U>&nbsp;A</U> that bears the Global Note Legend and that has the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto, and that is deposited with or on behalf of and registered in the name
of the Depositary, representing Subordinated Notes that do not bear a Private Placement Legend. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERMS AND CONDITIONS OF THE SUBORDINATED NOTES </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;201 <I>Form of Subordinated Notes.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>General</I>. The Subordinated Notes and the Trustee&#146;s certificate of authentication shall be substantially in the form set forth
in <U>Exhibit</U><U></U><U>&nbsp;A</U>, which is incorporated in and forms a part of the Subordinated Indenture, with such appropriate insertions, omissions, substitutions and other variations as are required or permitted by the Subordinated
Indenture and may have such letters, numbers or other marks of identification and such legends or endorsements placed thereon as may be determined, consistent with the Subordinated Indenture, by the officers of the Company executing such
Subordinated Notes, as evidenced by their execution of such Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Global Notes</I>. The Subordinated Notes shall be
issued initially in the form of one or more permanent Global Notes. Global Notes shall be substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, including the Global Note Legend thereon and the &#147;Schedule of Exchanges of Interests in
the Global Note&#148; attached thereto. Subordinated Notes issued in definitive form shall be substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U>, but without the Global Note Legend thereon and without the &#147;Schedule of Exchanges of
Interests in the Global Note&#148; attached thereto. Each Global Note shall represent such of the Outstanding Subordinated Notes as shall be specified in the &#147;Schedule of Exchanges of Interests in the Global Note&#148; attached thereto and each
shall provide that it shall represent up to the aggregate principal amount of Subordinated Notes from time to time endorsed thereon and that the aggregate principal amount of Outstanding Subordinated Notes represented thereby may from time to time
be reduced or increased, as applicable, to reflect exchanges and redemptions. Any endorsement of a Global Note to reflect the amount of any increase or decrease in the aggregate principal amount of Outstanding Subordinated Notes represented thereby
shall be made by the Trustee, in accordance with instructions given by the Holder thereof as required by <U>Section</U><U></U><U>&nbsp;205</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Authentication</I>. With respect to the Subordinated Notes, the first sentence of Section&nbsp;303(g) of the Base Indenture shall be
amended by adding the words &#147;(or, solely in the case of a Global Note, by manual, facsimile or other electronic signature of one of its authorized officers)&#148; immediately after the words &#147;by manual signature of one of its authorized
officers&#148; and before the comma that follows such words. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;202 <I>Title and General Terms.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to Sections 201 and 301 of the Base Indenture, there is hereby established a series of Subordinated Debt Securities, the terms of
which shall be as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Designation</I>. The Subordinated Notes shall be known and designated as the &#147;4.350% Fixed Rate
Reset Subordinated Notes due 2031.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Aggregate Principal Amount</I>. The aggregate principal amount of the Subordinated Notes
that may be authenticated and delivered under this Fourteenth Supplemental Indenture is limited to $60,547,000, as increased by the amount of any Additional Notes issued pursuant to <U>Section</U><U></U><U>&nbsp;202(j)</U> of this Fourteenth
Supplemental Indenture, except for Subordinated Notes authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of, other Subordinated Notes issued pursuant to Section&nbsp;304, 305, 306, 1106 or 1307 of the Base
Indenture or Article II of this Fourteenth Supplemental Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Maturity, Interest and Place of Payment</I>. The Stated
Maturity of the Subordinated Notes shall be February&nbsp;11, 2031, and the Subordinated Notes shall bear interest and have such other terms as are set forth in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> hereto. The Place of
Payment with respect to the Subordinated Notes shall be The City of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>No Additional Amounts</I>. In the event that any
payment on the Subordinated Notes by the Company or any Paying Agent is subject to withholding of United States Federal income tax or other tax or assessment (as a result of a change in law or otherwise), neither the Company nor any Paying Agent
shall pay additional amounts to the Holders of the Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>No Sinking Fund or Redemption at Option of Holders</I>. The
Company shall have no obligation to redeem or purchase the Subordinated Notes pursuant to any sinking fund or analogous provision, or at the option of a Holder thereof. The Subordinated Notes shall be redeemable at the election of the Company from
time to time at the times and at the prices specified in <U>Section</U><U></U><U>&nbsp;203</U> of this Fourteenth Supplemental Indenture, and the election of the Company to redeem any Subordinated Notes shall be evidenced by either a Board
Resolution or an Officer&#146;s Certificate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Defeasance</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The Subordinated Notes shall be subject to the defeasance provisions of Article XIV of the Base Indenture beginning no
earlier than on the fifth anniversary of the Original Issue Date; <I>provided</I> that, with respect to the Subordinated Notes, Section&nbsp;1402(b)(4) of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">&#147;(4) the Company shall have delivered to the Trustee an Opinion of Counsel to the effect that beneficial owners of the Subordinated Debt
Securities of such series will not recognize income, gain or loss for Federal </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">
income tax purposes as a result of the Company&#146;s exercise of its option under this Section and will be subject to Federal income tax on the same amounts and in the same manner and at the
same times as would have been the case if such option had not been exercised (which opinion, if the Company shall have exercised its option under Section&nbsp;1402(b)(x) of the Base Indenture, shall be (A)&nbsp;accompanied by and based upon a ruling
to that effect received from or published by the Internal Revenue Service or (B)&nbsp;based upon a change in law after the date of this Fourteenth Supplemental Indenture); and&#148; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Any defeasance of the Subordinated Notes pursuant to Article XIV of the Base Indenture shall be subject to the Company
obtaining the prior approval of the Appropriate Federal Banking Agency and any additional requirements that the Appropriate Federal Banking Agency may impose with respect to defeasance of the Subordinated Notes, if then required under capital rules
applicable to the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Repurchases</I>. The Company may from time to time repurchase the Subordinated Notes in open market
purchases or negotiated transactions without prior notice to Holders or beneficial owners of Subordinated Notes. Any such repurchases of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal
Banking Agency and any additional requirements that the Appropriate Federal Banking Agency may impose with respect to the repurchase of the Subordinated Notes, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <I>Denominations</I>. The Subordinated Notes shall be issuable only in fully registered form and only in a minimum denomination of $2,000
and authorized denominations of any integral multiples of $1,000 in excess thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Authentication and Delivery</I>. The
Subordinated Notes shall be executed, authenticated, delivered and dated in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <I>Additional Notes</I>. The Company may, from time to time, without the consent of the Holders of the Subordinated Notes, reopen the
series constituting the Subordinated Notes and issue additional Subordinated Notes (the &#147;<I>Additional Notes</I>&#148;) having the same ranking and the same interest rate, maturity and other terms as the Subordinated Notes, except for the
public offering price, the issue date and, if applicable, the initial interest payment date and initial interest accrual date. Any such Additional Notes, together with the Initial Notes and the Exchange Notes, shall constitute a single series of
Subordinated Debt Securities under the Base Indenture; <I>provided</I> that if the Additional Notes are not fungible for U.S. federal income tax and U.S. federal securities law purposes with the Initial Notes or the Exchange Notes, as the case may
be, the Additional Notes shall be issued under separate CUSIP and ISIN numbers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <I>Events of Default and Default</I>. The only Events
of Default and the only Defaults applicable to the Subordinated Notes are as set forth in Article V of the Base Indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;203 <I>Redemption.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Subordinated Notes shall not be redeemable at the Company&#146;s option except as set forth in this <U>Section</U><U></U><U>&nbsp;203</U>:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole but not in part, on
February&nbsp;11, 2026 (the &#147;<I>Reset Date</I>&#148;); (ii) in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory
Capital Treatment Event. Any such redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the &#147;<I>Redemption Price</I>&#148; shall be equal
to 100% of the Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date. If the Redemption Price in respect of the Subordinated Notes is not paid on
the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by this <U>Section</U><U></U><U>&nbsp;203</U>, any redemption of the Subordinated Notes
under this <U>Section</U><U></U><U>&nbsp;203</U> is subject to the terms and conditions of Article&nbsp;XIII of the Base Indenture. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Notice of any redemption shall be sent at least 10 days but no more than 60 days before the Redemption Date to
(w)&nbsp;each Holder of Subordinated Notes to be redeemed in accordance with Section&nbsp;105 of the Base Indenture, (x)&nbsp;to the Trustee, (y)&nbsp;to the Security Registrar to forward to each Holder of Subordinated Notes to be redeemed at such
Holder&#146;s registered address, or (z)&nbsp;otherwise in accordance with the Applicable Procedures. If less than all of the Subordinated Notes are to be redeemed, and the Subordinated Notes are Global Notes, the Subordinated Notes to be redeemed
will be selected by the Depositary in accordance with the Applicable Procedures. If the Subordinated Notes to be redeemed are not Global Notes held by the Depositary, the Trustee will select the Subordinated Notes (or portions thereof) to be
redeemed by lot. The Trustee shall have no duty to calculate or verify the calculation of the Redemption Price. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) At
least 5 Business Days or such shorter period as the Trustee and Security Registrar may agree to (and not more than 10 Business Days) prior to the date on which it intends to have the Security Registrar notify the Holders of the Subordinated Notes of
the Company&#146;s exercise of its option to redeem the Subordinated Notes, the Company will provide to the Trustee and the Security Registrar a draft notice of a potential exercise of such option with respect to the Subordinated Notes on such date.
After receipt of final notice that the Company is exercising its option to redeem the Subordinated Notes, the Security Registrar will deliver notice to each Holder of Subordinated Notes in accordance with Article XIII of the Base Indenture, as
modified by this <U>Section</U><U></U><U>&nbsp;203</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;204 <I>Reports and Other Information.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1206 of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;So long as Subordinated Notes remain Outstanding, the Company shall file with, or make available to, the Trustee, within 15 days after
the Company is required to file the same with the Commission, copies of the annual reports and of the information, documents, and other reports that the Company may be required to file with the Commission pursuant to Section&nbsp;13 or
Section&nbsp;15(d) of the Exchange or pursuant to Section&nbsp;314 of the Trust Indenture Act; <I>provided</I> that any document publicly available on the Commission&#146;s Electronic Data Gathering, Analysis and Retrieval system shall satisfy the
requirements hereof if the Company provides the Trustee with written notice when any such document is filed with the Commission&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;205 <I>Transfer and Exchange.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Transfer and Exchange of Global Notes</I>. Except as otherwise set forth in this <U>Section</U><U></U><U>&nbsp;205</U>, a Global Note
may be transferred, in whole and not in part, only to another nominee of the Depositary or to a successor thereto or a nominee of such successor thereto. A beneficial interest in a Global Note may not be exchanged for a Definitive Note unless
(i)&nbsp;the Depositary (1)&nbsp;notifies the Company that it is unwilling or unable to continue as Depositary for such Global Note or (2)&nbsp;has ceased to be a clearing agency registered under the Exchange Act, and, in either case, a successor
Depositary is not appointed by the Company within 90 days of such notice or becoming aware that the Depositary is no longer so registered, (ii)&nbsp;the Company, at its option, notifies the Trustee in writing that it elects to cause the issuance of
Definitive Notes or (iii)&nbsp;upon the request of the Depositary if there shall have occurred and be continuing an Event of Default with respect to the Subordinated Notes. Upon the occurrence of any of the preceding events in clause (i), (ii) or
(iii)&nbsp;above, Definitive Notes delivered in exchange for any Global Note or beneficial interests therein will be registered in the names, and issued in any approved denominations, requested by or on behalf of the Depositary (in accordance with
the Applicable Procedures). Global Notes also may be exchanged or replaced, in whole or in part, as provided in Article III of the Base Indenture. Every Subordinated Note authenticated and delivered in exchange for, or in lieu of, a Global Note,
pursuant to this <U>Section</U><U></U><U>&nbsp;205</U> or Article III of the Base Indenture, as modified by <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, shall be authenticated and delivered in the form of, and shall be, a Global Note, except for
Definitive Notes issued subsequent to any of the preceding events in clause (i), (ii) or (iii)&nbsp;above and pursuant to <U>Section</U><U></U><U>&nbsp;205(c)</U> hereof. A Global Note may not be exchanged for another Subordinated Note other than as
provided in this <U>Section</U><U></U><U>&nbsp;205(a)</U>; <I>provided </I>that beneficial interests in a Global Note may be transferred and exchanged as provided in <U>Section</U><U></U><U>&nbsp;205(b)</U>, <U>(c)</U> or <U>(f)</U>&nbsp;hereof.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Transfers and Exchanges of Beneficial Interests in Global Notes</I>. The transfer and exchange of beneficial interests in the
Global Notes shall be effected through the Depositary in accordance with the provisions of the Subordinated Indenture and the Applicable Procedures. Beneficial interests in the Restricted Global Notes shall be subject to restrictions on transfer
comparable to those set forth herein to the extent required by the Securities Act. Transfers of beneficial interests in the Global Notes also shall require compliance with either subparagraph (i)&nbsp;or (ii) below, as applicable, as well as one or
more of the other following subparagraphs, as applicable: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Transfer of Beneficial Interests in the Same Global Note</I>.
Beneficial interests in any Restricted Global Note may be transferred to Persons who take delivery thereof in the form of a beneficial interest in the same Restricted Global Note in accordance with the transfer restrictions set forth in the Private
Placement Legend applicable to such Restricted Global Note. Beneficial interests in any Unrestricted Global Note may be transferred to Persons who take delivery thereof in the form of a beneficial interest in an Unrestricted Global Note. No written
orders or instructions shall be required to be delivered to the Security Registrar to effect the transfers described in this <U>Section</U><U></U><U>&nbsp;205(b)(i)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>All Other Transfers and Exchanges of Beneficial Interests in Global Notes</I>. In connection with all transfers and
exchanges of beneficial interests that are not subject to <U>Section</U><U></U><U>&nbsp;205(b)(i)</U>, the transferor of such beneficial interest must deliver to the Security Registrar either (1) (A) a written order from a Participant or an Indirect
Participant given to the Depositary in accordance with the Applicable Procedures directing the Depositary to credit or cause to be credited a beneficial interest in another Global Note in an amount equal to the beneficial interest to be transferred
or exchanged and (B)&nbsp;instructions given in accordance with the Applicable Procedures containing information regarding the Participant account to be credited with such increase, or (2) (A) a written order from a Participant or an Indirect
Participant given to the Depositary in accordance with the Applicable Procedures directing the Depositary to cause to be issued a Definitive Note of the same series in an amount equal to the beneficial interest to be transferred or exchanged and
(B)&nbsp;instructions given by the Depositary to the Security Registrar containing information regarding the Person in whose name such Definitive Note shall be registered to effect the transfer or exchange referred to in subclause (2)(A);
<I>provided</I> that in no event shall Definitive Notes be issued other than upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U>. Upon consummation of a Registered Exchange Offer by
the Company in accordance with <U>Section</U><U></U><U>&nbsp;205(f)</U>, the requirements of this <U>Section</U><U></U><U>&nbsp;2.05(b)(ii)</U> shall be deemed to have been satisfied upon receipt by the Security Registrar of the instructions
contained in either the Letter of Transmittal delivered by the holder of such beneficial interests in the Restricted Global Notes or the applicable Agent&#146;s Message. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Transfer of Beneficial Interests to Another Restricted Global Note</I>. A beneficial interest in any Restricted Global
Note may be transferred to a Person who takes delivery thereof in the form of a beneficial interest in another Restricted Global Note if the transfer complies with the requirements of <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof and the
Security Registrar receives the following: (1)&nbsp;if the transferee will take delivery in the form of a beneficial interest in a 144A Global Note, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>,
including the certifications in item (1)&nbsp;thereof, and, if such beneficial interest is in a Regulation S Global Note, the transferee must deliver a certificate in the form of <U>Exhibit C</U>; or (2)&nbsp;if the transferee will take delivery in
the form of a beneficial interest in a Regulation S Global Note, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) <I>Transfer and Exchange of Beneficial Interests in a Restricted Global
Note for Beneficial Interests in an Unrestricted Global Note</I>. A beneficial interest in any Restricted Global Note may be exchanged by any holder thereof for a beneficial interest in an Unrestricted Global Note or transferred to a Person who
takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note if the exchange or transfer complies with the requirements of <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof and: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the holder of such beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for a beneficial interest in an Unrestricted Global Note, the Security Registrar receives a certificate from such Holder substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;D</U> hereto, including the certifications in item (1)(a) thereof; or (B)&nbsp;if the holder of such beneficial interest in a Restricted Global Note proposes to transfer such beneficial interest to a Person who shall
take delivery thereof in the form of a beneficial interest in an Unrestricted Global Note, the Security Registrar receives a certificate from such holder in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item
(4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the Applicable Procedures so require, an Opinion of Counsel in form reasonably acceptable to the Security Registrar to the
effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement Legend applicable to such Restricted Global Note are no longer required in order to
maintain compliance with the Securities Act. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">If any such transfer is effected pursuant to this subparagraph (iv)&nbsp;at a time when an
Unrestricted Global Note has not yet been issued, the Company shall issue and, upon receipt of a Company Order for the authentication of one or more Unrestricted Global Notes in accordance with Section&nbsp;303 of the Base Indenture and
<U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, the Trustee shall authenticate such Unrestricted Global Notes in an aggregate principal amount equal to the aggregate principal amount of beneficial interests transferred pursuant to this subparagraph
(iv). Beneficial interests in an Unrestricted Global Note cannot be exchanged for, or transferred to Persons who take delivery thereof in the form of, a beneficial interest in a Restricted Global Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Transfer or Exchange of Beneficial Interests for Definitive Notes.</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Beneficial Interests in Restricted Global Notes to Restricted Definitive Notes</I>. If any holder of a beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for a Restricted Definitive Note or to transfer such beneficial interest to a Person who takes delivery thereof in the form of a Restricted Definitive Note, then,
upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and receipt by the Security Registrar of the following documentation: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) if the holder of such beneficial interest in a Restricted Global Note proposes to exchange such beneficial interest for a Restricted
Definitive Note, a certificate from such holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (2)(a) thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) if such beneficial interest is being transferred to a QIB in accordance with Rule 144A, a certificate substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such beneficial interest is in a Regulation S Global Note, a certificate substantially in the form of <U>Exhibit C</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) if such beneficial interest is being transferred to a <FONT STYLE="white-space:nowrap">Non-U.S.</FONT> Person in an offshore transaction in
accordance with Rule 903 or Rule 904, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(4) if such beneficial interest is being transferred pursuant to an exemption from the registration requirements of the Securities Act in
accordance with Rule 144, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(a) thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(5) if such beneficial interest is being transferred to the Company or any of its Subsidiaries, a certificate substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(b) thereof; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(6) if such beneficial interest is being
transferred pursuant to an effective registration statement under the Securities Act, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(c) thereof, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">the Trustee shall cause the aggregate principal amount of the applicable Global Note to be reduced accordingly pursuant to
<U>Section</U><U></U><U>&nbsp;205(g)</U>, and the Company shall execute and the Trustee shall authenticate and mail to the Person designated in the instructions a Definitive Note in the applicable principal amount. Any Definitive Note issued in
exchange for a beneficial interest in a Restricted Global Note pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)</U> shall be registered in such name or names and in such authorized denomination or denominations as the holder of such beneficial
interest shall instruct the Security Registrar through instructions from the Depositary and the Participant or Indirect Participant. The Trustee shall mail such Definitive Notes to the Persons in whose names such Subordinated Notes are so
registered. Any Definitive Note issued in exchange for a beneficial interest in a Restricted Global Note pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)</U><U>(i)</U> shall bear the applicable Private Placement Legend and shall be subject to
all restrictions on transfer contained therein. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Beneficial Interests in Restricted Global Notes to Unrestricted
Definitive Notes</I>. A holder of a beneficial interest in a Restricted Global Note may exchange such beneficial interest for an Unrestricted Definitive Note or may transfer such beneficial interest to a Person who takes delivery thereof in the form
of an Unrestricted Definitive Note only upon the occurrence of any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the holder of such beneficial
interest in a Restricted Global Note proposes to exchange such beneficial interest for an Unrestricted Definitive Note, a certificate from such holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(b)
thereof; or (B)&nbsp;if the holder of such beneficial interest in a Restricted Global Note proposes to transfer such beneficial interest to a Person who shall take delivery thereof in the form of an Unrestricted Definitive Note, a certificate from
such holder substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the
Applicable Procedures so require, an Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained
herein and in the Private Placement Legend applicable to such Restricted Global Note are no longer required in order to maintain compliance with the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Beneficial Interests in Unrestricted Global Notes to Unrestricted Definitive Notes</I>. If any holder of a beneficial
interest in an Unrestricted Global Note proposes to exchange such beneficial interest for a Definitive Note or to transfer such beneficial interest to a Person who takes delivery thereof in the form of a Definitive Note, then, upon the occurrence of
any of the events in clauses (i), (ii) or (iii)&nbsp;of <U>Section</U><U></U><U>&nbsp;205(a)</U> hereof and satisfaction of the conditions set forth in <U>Section</U><U></U><U>&nbsp;205(b)(ii)</U> hereof, the Trustee shall cause the aggregate
principal amount of the applicable Global Note to be reduced accordingly pursuant to <U>Section</U><U></U><U>&nbsp;205(h)</U> hereof, and the Company shall execute and the Trustee shall authenticate and mail
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
to the Person designated in the instructions a Definitive Note in the applicable principal amount. Any Definitive Note issued in exchange for a beneficial interest pursuant to this
<U>Section</U><U></U><U>&nbsp;205(c)(iii)</U> shall be registered in such name or names and in such authorized denomination or denominations as the holder of such beneficial interest shall instruct the Security Registrar through instructions from or
through the Depositary and the Participant or Indirect Participant. The Trustee shall mail such Definitive Notes to the Persons in whose names such Subordinated Notes are so registered. Any Definitive Note issued in exchange for a beneficial
interest pursuant to this <U>Section</U><U></U><U>&nbsp;205(c)(iii)</U> shall not bear any Private Placement Legend. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv)
In connection with any proposed exchange from a beneficial interest in a Global Note to a Definitive Note, the Company or the Depositary shall provide or cause to be provided to the Trustee sufficient information (but only to the extent that the
Company or Depositary has knowledge of such information) so as to allow the Trustee to comply with any applicable tax reporting obligations, including, without limitation, any cost basis reporting obligations under Section&nbsp;6045 of the Code. The
Trustee may rely on the information provided to it and shall have no responsibility to verify or ensure the accuracy of such information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Transfer and Exchange of Definitive Notes for Beneficial</I><I> </I>Interests. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Restricted Definitive Notes to Beneficial Interests in Restricted Global Notes</I>. If any Holder of a Restricted
Definitive Note proposes to exchange such Subordinated Note for a beneficial interest in a Restricted Global Note or to transfer such Restricted Definitive Note to a Person who takes delivery thereof in the form of a beneficial interest in a
Restricted Global Note, then, upon receipt by the Security Registrar of the following documentation: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) if the Holder of such Restricted
Definitive Note proposes to exchange such Subordinated Note for a beneficial interest in a Restricted Global Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (2)(b) thereof;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) if such Restricted Definitive Note is being transferred to a QIB in accordance with Rule 144A, a certificate substantially in the form
of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such Restricted Definitive Note to be transferred bears the Regulation S Legend, a certificate substantially in the form of <U>Exhibit C</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) if such Restricted Definitive Note is being transferred to a <FONT STYLE="white-space:nowrap">Non-U.S.</FONT> Person in an offshore
transaction in accordance with Rule 903 or Rule 904, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (2)&nbsp;thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(4) if such Restricted Definitive Note is being transferred pursuant to an exemption from the registration requirements of the Securities Act
in accordance with Rule 144, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(a) thereof; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(5) if such Restricted Definitive Note is being transferred to the Company or any of its
Subsidiaries, a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(b) thereof; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(6) if such Restricted Definitive Note is being transferred pursuant to an effective registration statement under the Securities Act, a
certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (3)(c) thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">the
Trustee shall cancel the Restricted Definitive Note and increase or cause to be increased the aggregate principal amount of, in the case of clause (1)&nbsp;above, the applicable Restricted Global Note, in the case of clause (2)&nbsp;above, the
applicable 144A Global Note, and in the case of clause (3)&nbsp;above, the applicable Regulation S Global Note. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)
<I>Restricted Definitive Notes to Beneficial Interests in Unrestricted Global Notes</I>. A Holder of a Restricted Definitive Note may exchange such Subordinated Note for a beneficial interest in an Unrestricted Global Note or transfer such
Restricted Definitive Note to a Person who takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the Holder of such Definitive Notes
proposes to exchange such Subordinated Notes for a beneficial interest in the Unrestricted Global Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(c) thereof; or (B)&nbsp;if
the Holder of such Definitive Notes proposes to transfer such Subordinated Notes to a Person who shall take delivery thereof in the form of a beneficial interest in the Unrestricted Global Note, a certificate from such Holder substantially in the
form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so requests or if the Applicable Procedures so require, an
Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement
Legend applicable to such Restricted Definitive Note are no longer required in order to maintain compliance with the Securities Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Upon satisfaction of the conditions of this <U>Section 204(d)(ii)</U>, the Trustee shall
cancel the Restricted Definitive Note and increase or cause to be increased the aggregate principal amount of the Unrestricted Global Note. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Unrestricted Definitive Notes to Beneficial Interests in Unrestricted Global Notes</I>. A Holder of an Unrestricted
Definitive Note may exchange such Subordinated Note for a beneficial interest in an Unrestricted Global Note or transfer such Definitive Notes to a Person who takes delivery thereof in the form of a beneficial interest in an Unrestricted Global Note
at any time. Upon receipt of a request for such an exchange or transfer, the Trustee shall cancel the applicable Unrestricted Definitive Note and increase or cause to be increased the aggregate principal amount of one of the Unrestricted Global
Notes. If any such exchange or transfer from a Definitive Note to a beneficial interest is effected pursuant to subparagraphs (ii)&nbsp;or (iii) above at a time when an Unrestricted Global Note has not yet been issued, the Company shall issue and,
upon receipt of a Company Order for the authentication of one or more Unrestricted Global Notes in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof, the Trustee shall authenticate one or more
Unrestricted Global Notes in an aggregate principal amount equal to the principal amount of Definitive Notes so exchanged or transferred. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>Transfer and Exchange of Definitive Notes for Definitive Notes</I>. Upon request by a Holder of Definitive Notes and such Holder&#146;s
compliance with the provisions of this <U>Section</U><U></U><U>&nbsp;205(e)</U> the Security Registrar shall register the transfer or exchange of Definitive Notes. Prior to such registration of transfer or exchange, the requesting Holder shall
present or surrender to the Security Registrar the Definitive Notes duly endorsed or accompanied by a written instruction of transfer in form satisfactory to the Security Registrar duly executed by such Holder or by its attorney, duly authorized in
writing. In addition, the requesting Holder shall provide<I> </I>any additional certifications, documents and information, as applicable, required pursuant to the following provisions of this <U>Section</U><U></U><U>&nbsp;205(e)</U>: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>Restricted Definitive Notes to Restricted Definitive Notes</I>. Any Restricted Definitive Note may be transferred to and
registered in the name of Persons who take delivery thereof in the form of a Restricted Definitive Note if the Security Registrar receives the following: (1)&nbsp;if the transfer will be made to a QIB in accordance with Rule 144A, then the
transferor must deliver a certificate substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (1)&nbsp;thereof, and, if such Restricted Definitive Note to be transferred bears the Regulation S Legend, a
certificate substantially in the form of <U>Exhibit C</U>; (2)&nbsp;if the transfer will be made pursuant to Rule 903 or Rule 904, then the transferor must deliver a certificate in the form of <U>Exhibit</U><U></U><U>&nbsp;B</U>, including the
certifications in item (2)&nbsp;thereof; or (3)&nbsp;if the transfer will be made pursuant to any other exemption from the registration requirements of the Securities Act, then the transferor must deliver a certificate in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications required by item (3)&nbsp;thereof, if applicable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Restricted Definitive Notes to Unrestricted Definitive Notes</I>.
Any Restricted Definitive Note may be exchanged by the Holder thereof for an Unrestricted Definitive Note or transferred to a Person or Persons who take delivery thereof in the form of an Unrestricted Definitive Note if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) such exchange or transfer is effected pursuant to the Registered Exchange Offer in accordance with the Registration Rights Agreement and
the holder of the beneficial interest to be exchanged, in the case of an exchange, or the transferee, in the case of a transfer, makes the certifications in the applicable Letter of Transmittal or pursuant to the applicable Agent&#146;s Message in
accordance with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) such transfer is effected pursuant to a Shelf Registration Statement in accordance
with the Registration Rights Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Security Registrar receives the following: (A)&nbsp;if the Holder of such Restricted
Definitive Notes proposes to exchange such Subordinated Notes for an Unrestricted Definitive Note, a certificate from such Holder substantially in the form of <U>Exhibit D</U>, including the certifications in item (1)(d) thereof; or (B)&nbsp;if the
Holder of such Restricted Definitive Notes proposes to transfer such Subordinated Notes to a Person who shall take delivery thereof in the form of an Unrestricted Definitive Note, a certificate from such Holder substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U>, including the certifications in item (4)&nbsp;thereof; and, in each such case set forth in this subparagraph (3), if the Security Registrar so<I> </I>requests or if the Applicable Procedures so require, an
Opinion of Counsel in form reasonably acceptable to the Security Registrar to the effect that such exchange or transfer is in compliance with the Securities Act and that the restrictions on transfer contained herein and in the Private Placement
Legend applicable to such Restricted Definitive Note are no longer required in order to maintain compliance with the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Unrestricted Definitive Notes to Unrestricted Definitive Notes</I>. A Holder of Unrestricted Definitive Notes may
transfer such Subordinated Notes to a Person who takes delivery thereof in the form of an Unrestricted Definitive Note. Upon receipt of a request to register such a transfer, the Security Registrar shall register the Unrestricted Definitive Notes
pursuant to the instructions from the Holder thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Registered Exchange Offer</I>. Upon the occurrence of a Registered Exchange
Offer in accordance with the Registration Rights Agreement, the Company shall issue and the Trustee shall authenticate in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof (i)&nbsp;one or more
Unrestricted Global Notes in an aggregate principal amount equal to the principal amount of the beneficial interests in the Restricted Global Notes tendered for acceptance by Persons that provide certifications in the applicable Letter of
Transmittal or pursuant to the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
applicable Agent&#146;s Message in accordance with the Registration Rights Agreement, and accepted for exchange in a Registered Exchange Offer and (ii)&nbsp;Definitive Notes in an aggregate
principal amount equal to the principal amount of the Restricted Definitive Notes accepted for exchange in a Registered Exchange Offer. Concurrently with the issuance of such Notes, the Trustee shall cause the aggregate principal amount of the
applicable Restricted Global Notes to be reduced accordingly, and the Company shall execute and the Trustee shall authenticate and deliver to the Persons designated by the holders of Restricted Definitive Notes so accepted Unrestricted Definitive
Notes in the appropriate principal amount. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Legends</I>. The following legends shall appear on the face of all Global Notes and
Definitive Notes issued under the Subordinated Indenture unless specifically stated otherwise in the applicable provisions of the Subordinated Indenture: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>144A Legend</I>. Except as permitted by paragraph (iv)&nbsp;below, each 144A Global Note and each Definitive Note sold
in reliance on Section&nbsp;4(a)(2) of the Securities Act to QIBs (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall bear the legend in substantially the following form: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION EXEMPT FROM REGISTRATION UNDER SECTION 5 OF THE UNITED STATES
SECURITIES ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN APPLICABLE EXEMPTION THEREFROM. EACH PURCHASER OF AN
INTEREST IN THE SECURITY EVIDENCED HEREBY IS HEREBY NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A THEREUNDER. THE HOLDER OF ANY INTEREST IN THE SECURITY
EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, (A)&nbsp;UNTIL ONE YEAR (OR SUCH SHORTER PERIOD AS MAY BE PERMITTED UNDER RULE 144 UNDER THE SECURITIES ACT) AFTER FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED
INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE SECURITIES ACT, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE
903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER
AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION, (B)&nbsp;IN CONNECTION WITH ANY
OFFER, SALE OR TRANSFER PURSUANT TO (A)(2) OR (A)(5) ABOVE, SUBJECT TO THE RIGHT OF THE COMPANY AND TRUSTEE TO REQUEST IN ADVANCE OF ANY OFFER, SALE OR </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
OTHER TRANSFER, CERTIFICATIONS AND/OR OTHER INFORMATION, AND AN OPINION OF COUNSEL, IN EACH CASE SATISFACTORY TO THE COMPANY AND TRUSTEE AND (C)&nbsp;THE HOLDER OF AN INTEREST IN THE SECURITY
EVEIDENCED HEREBY WILL, AND EACH SUBSEQUENT HOLDER OF SUCH AN INTEREST IS REQUIRED TO, NOTIFY ANY PURCHASER OF ANY INTEREST IN THE SECURITY EVIDENCED HEREBY OF THE RESALE RESTRICTIONS SET FORTH IN CLAUSES (A)&nbsp;AND (B) ABOVE. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS LEGEND WILL BE REMOVED UPON THE REQUEST OF A HOLDER ONLY AT THE DIRECTION AND IN THE ABSOLUTE DISCRETION OF THE ISSUER AFTER THE RESALE RESTRICTION
TERMINATION DATE.&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) <I>Regulation S Legend</I>. Except as permitted by paragraph (iv)&nbsp;below, each Regulation
S Global Note and each Definitive Note sold in reliance on Rule 903 (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall bear the legend in substantially the following form: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION NOT SUBJECT TO REGISTRATION UNDER THE UNITED STATES SECURITIES
ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR IN A TRANSACTION EXEMPT FROM OR OTHERWISE NOT SUBJECT TO SUCH
REGISTRATION. THE HOLDER OF AN INTEREST IN THE SECURITY EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, UNTIL 40 DAYS BEGINNING ON AND INCLUDING THE LATER OF (I)&nbsp;THE DATE ON WHICH THE SECURITIES ARE OFFERED TO PERSONS OTHER THAN
DISTRIBUTORS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT) AND (II)&nbsp;FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY
BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE
SECURITIES ACT TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A AND WHICH TAKES DELIVERY OF AN INTEREST IN THE RULE 144A GLOBAL NOTE (AS DEFINED IN THE FOURTEENTH SUPPLEMENTAL INDENTURE) AND WHICH HAS FURNISHED TO THE
TRUSTEE OR ITS AGENT A CERTIFICATE REPRESENTING THAT THE TRANSFERREE IS PURCHASING AN INTEREST IN THE SUBORDINATED NOTES EVIDENCED HEREBY FOR ITS OWN ACCOUNT OR AN ACCOUNT WITH RESPECT TO WHICH IT EXERCISES SOLE INVESTMENT DISCRETION AND THAT IT AND
ANY SUCH ACCOUNT IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) AND IS AWARE THAT THE SALE TO IT IS BEING MADE IN RELIANCE ON RULE&nbsp;144A AND, IF APPLICABLE, ACKNOWLEDGING THAT IT HAS RECEIVED SUCH
INFORMATION REGARDING THE COMPANY AS SUCH TRANSFEREE HAS REQUESTED PURSUANT TO RULE&nbsp;144A OR HAS DETERMINED NOT TO REQUEST SUCH INFORMATION AND THAT IT IS AWARE THAT THE </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
TRANSFEROR IS RELYING UPON ITS FOREGOING REPRESENTATIONS IN ORDER TO CLAIM THE EXEMPTION FROM REGISTRATION PROVIDED BY RULE&nbsp;144A, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT
STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION
STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS
OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE FOREGOING LEGEND MAY BE REMOVED FROM THIS SECURITY AFTER 40 DAYS BEGINNING ON
AND INCLUDING THE LATER OF (A)&nbsp;THE DATE ON WHICH THE SECURITIES ARE OFFERED TO PERSONS OTHER THAN DISTRIBUTORS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT) AND (B)&nbsp;FEBRUARY&nbsp;11, 2021.&#148; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <I>Global Note Legend</I>. Each Global Note shall bear a legend in substantially the following form (with appropriate
changes in the last sentence if DTC is not the Depositary): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;THIS GLOBAL NOTE IS HELD BY THE DEPOSITARY (AS DEFINED IN THE SUBORDINATED INDENTURE
GOVERNING THIS SUBORDINATED NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT THAT (I)&nbsp;THE TRUSTEE MAY MAKE SUCH NOTATIONS HEREON AS MAY BE
REQUIRED PURSUANT TO <U>SECTION</U><U></U><U>&nbsp;205(h)</U> OF THE FOURTEENTH SUPPLEMENTAL INDENTURE, (II)&nbsp;THIS GLOBAL NOTE MAY BE EXCHANGED IN WHOLE BUT NOT IN PART PURSUANT TO <U>SECTION</U><U></U><U>&nbsp;205(a)</U> OF THE FOURTEENTH
SUPPLEMENTAL INDENTURE, (III)&nbsp;THIS GLOBAL NOTE MAY BE DELIVERED TO THE TRUSTEE FOR CANCELLATION PURSUANT TO SECTION 308 OF THE BASE INDENTURE AND (IV)&nbsp;THIS GLOBAL NOTE MAY BE TRANSFERRED TO A SUCCESSOR DEPOSITARY WITH THE PRIOR WRITTEN
CONSENT OF THE COMPANY. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR SUBORDINATED NOTES IN DEFINITIVE FORM, THIS SUBORDINATED NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE
OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (55 WATER STREET, NEW YORK, NEW YORK) (&#147;DTC&#148;) TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF
CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR SUCH OTHER ENTITY AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE
OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Notwithstanding the foregoing (i)&nbsp;and (ii), any Global Note or
Definitive Note issued pursuant to subparagraph (b)(iv), (c)(ii), (c)(iii), (d)(ii), (d)(iii), (e)(ii), (e)(iii) or (f)&nbsp;of this <U>Section&nbsp;205</U> (and all Subordinated Notes issued in exchange therefor or substitution thereof) shall not
bear any Private Placement Legend. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <I>Cancellation and/or Adjustment of Global Notes</I>. At such time as all beneficial interests in
a particular Global Note have been exchanged for Definitive Notes or a particular Global Note has been redeemed, repurchased or cancelled in whole and not in part, each such Global Note shall be returned to or retained and cancelled by the Trustee
in accordance with Section&nbsp;308 of the Base Indenture. At any time prior to such cancellation, if any beneficial interest in a Global Note is exchanged for or transferred to a Person who will take delivery thereof in the form of a beneficial
interest in another Global Note or for Definitive Notes, the principal amount of Notes represented by such Global Note shall be reduced accordingly and an endorsement shall be made on such Global Note by the Trustee or by the Depositary at the
direction of the Trustee to reflect such reduction; and if the beneficial interest is being exchanged for or transferred to a Person who will take delivery thereof in the form of a beneficial interest in another Global Note, such other Global Note
shall be increased accordingly and an endorsement shall be made on such Global Note by the Trustee or by the Depositary at the direction of the Trustee to reflect such increase. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <I>General Provisions Relating to Transfers and Exchanges.</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) To permit registrations of transfers and exchanges, the Company shall execute and the Trustee shall authenticate Global
Notes and Definitive Notes upon receipt of a Company Order for authentication thereof in accordance with Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof or at the Security Registrar&#146;s request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) No service charge shall be made to a holder of a beneficial interest in a Global Note or to a Holder of a Definitive Note
for any registration of<I> </I>transfer or exchange, but the Company may require payment of a sum sufficient<I> </I>to cover any transfer tax or similar governmental charge payable in connection therewith (other than any such transfer taxes or
similar governmental charge payable upon exchange or transfer pursuant to Sections 304, 305, 306, 1106 and 1307 of the Base Indenture). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) The Company shall not be required (1)&nbsp;to issue, to register the transfer of or to exchange any Subordinated Notes
during a period beginning at the opening of business 15 days before the day of any selection of Subordinated Notes for redemption under <U>Section</U><U></U><U>&nbsp;203</U> hereof and ending at the close of business on the day of selection or
(2)&nbsp;to register the transfer of or to exchange a Subordinated Note between a Record Date (as defined in the Subordinated Notes) with respect to such Subordinated Note and the next succeeding Interest Payment Date with respect to such
Subordinated Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Neither the Security Registrar nor the Company shall be required to
register the transfer of or exchange any Subordinated Note selected for redemption in whole or in part. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) All Global
Notes and Definitive Notes issued upon any registration of transfer or exchange of Global Notes or Definitive Notes shall be the valid obligations of the Company, evidencing the same debt, and entitled to the same benefits under the Subordinated
Indenture, as the Global Notes or Definitive Notes surrendered upon such registration of transfer or exchange. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) Prior
to due presentment for the registration of a transfer of any Subordinated Note, the Trustee, any Paying Agent and the Company may deem and treat the Person in whose name any Subordinated Note is registered as the absolute owner of such Subordinated
Note for the purpose of receiving payment of principal of, premium, if any, and interest on such Subordinated Notes and for all other purposes, and none of the Trustee, any Paying Agent or the Company shall be affected by notice to the contrary.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) Upon surrender for registration of transfer of any Subordinated Note at the office or agency of the Company
designated pursuant to Section&nbsp;1202 of the Base Indenture, the Company shall execute, and the Trustee shall authenticate and mail, in the name of the designated transferee or transferees, one or more replacement Subordinated Notes of any
authorized denomination or denominations of a like aggregate principal amount. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) At the option of the Holder,
Subordinated Notes may be exchanged for other Subordinated Notes of any authorized denomination or denominations of a like aggregate principal amount upon surrender of the Subordinated Notes to be exchanged at such office or agency. Whenever any
Global Notes or Definitive Notes are so surrendered for exchange, the Company shall execute, and the Trustee shall authenticate and deliver, the replacement Global Notes and Definitive Notes which the Holder making the exchange is entitled to in
accordance with the provisions of Section&nbsp;303 of the Base Indenture and <U>Section</U><U></U><U>&nbsp;201(c)</U> hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) All certifications, certificates and Opinions of Counsel required to be submitted to the Security Registrar pursuant to
this <U>Section</U><U></U><U>&nbsp;205</U> to effect a registration of transfer or exchange may be submitted by facsimile or <FONT STYLE="white-space:nowrap">e-mail.</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) Neither the Trustee nor any Paying Agent shall have any responsibility or liability for any actions taken or not taken by
the Depositary. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) The Trustee shall have no obligation or duty to monitor, determine or
inquire as to compliance with any restrictions on transfer imposed under the Subordinated Indenture or under applicable law with respect to any transfer of any interest in any Subordinated Note other than to require delivery of such certificates and
other documentation or evidence as are expressly required by, and to do so if and when expressly required by the terms of, the Subordinated Indenture, and to examine the same to determine substantial compliance as to form with the express
requirements hereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) To the extent the Trustee reasonably requests such information, a Holder of Subordinated Notes
proposing to exchange or transfer such Subordinated Notes shall provide or cause to be provided to the Trustee sufficient information (but only to the extent that such Holder has knowledge of such information) to allow the Trustee to comply with any
applicable tax reporting obligations, including, without limitation, any cost basis reporting obligations under Section&nbsp;6045 of the Code. The Trustee may rely on the information provided to it and shall have no responsibility to verify or
ensure the accuracy of such information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;206 <I>Acceleration of Maturity</I>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The first paragraph of Section&nbsp;502 of the Base Indenture shall be replaced in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;If an Event of Default with respect to Subordinated Debt Securities of any series at the time Outstanding occurs, the principal of all
Outstanding Subordinated Debt Securities of such series, premium, if any, and any interest accrued thereon shall become due and payable immediately without any further action on the part of the Trustee or the Holders of such series of Subordinated
Debt Securities. Upon payment of such amounts, all obligations of the Company in respect of the payment of principal of and interest on the Subordinated Debt Securities of such series shall terminate.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;207 <I>Supplemental Indentures Without Consent of Holders.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1101 of the Base Indenture is amended to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Replace Section&nbsp;1101(2) in its entirety with the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(2) to add to the covenants of the Company, for the benefit of the Holders of all or any series of Subordinated Debt
Securities (and, if such covenants are to be for the benefit of less than all such series, stating that such covenants are expressly being included solely for the benefit of such series), to surrender any right or power herein conferred upon the
Company, or to provide for guarantees of the Subordinated Notes; or&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Replace Section&nbsp;1101(10) in its
entirety with the following: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(10) to cure any ambiguity, to correct or supplement any provision herein that may be
defective or inconsistent with any other provision herein, or to make any other provisions with respect to matters or questions arising under the Subordinated Indenture, including, without limitation, to reflect the occurrence of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
a Benchmark Substitution Event (as defined in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> to the Fourteenth Supplemental Indenture) or the implementation of any Adjustments
(as defined in the form of Note attached as <U>Exhibit</U><U></U><U>&nbsp;A</U> to the Fourteenth Supplemental Indenture) following a Benchmark Substitution Event, provided such other provisions shall not adversely affect the interests of the
Holders of Outstanding Subordinated Debt Securities of any series created prior to the execution of such supplemental indenture in any material respect; provided, further, that solely with respect to the making of other provisions (and, for the
avoidance of doubt, excluding the curing of any ambiguity and the correcting or supplementing of any provision herein that may be defective or inconsistent with any other provision herein) pursuant to this Section&nbsp;1101(10), the Trustee shall be
entitled to receive and may conclusively rely on an Officer&#146;s Certificate from the Company that any such other provision does not adversely affect the interests of the Holders of Outstanding Subordinated Debt Securities of any series created
prior to the execution of such supplemental indenture in any material respect; or&#148;; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Add the following
immediately after Section&nbsp;1101(10): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;(11) to make any change that does not materially adversely affect the
interests of the Holders of Outstanding Subordinated Debt Securities of any series; <I>provided </I>that solely with respect to this Section&nbsp;1101(11), the Trustee shall be entitled to receive and may conclusively rely on an Officer&#146;s
Certificate from the Company that any such modification, amendment or supplement does not materially adversely affect the interests of any Holder of Outstanding Subordinated Debt Securities of any series; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(12) to conform the terms of the Subordinated Debt Securities or this Subordinated Indenture with the description set forth in
any offering memorandum or other similar document relating to such Subordinated Debt Securities.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;208 <I>Corporate
Trust Office</I>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to the Subordinated Notes, the principal corporate trust office of the Trustee named in the preamble of
the Base Indenture as of the date of executed hereof is located at 240 Greenwich Street, New York, New York 10286. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;209
<I>Notice of Defaults.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;602 of the Base Indenture is amended to delete the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;either (A)&nbsp;a Responsible Officer of the Trustee assigned to the Trustee&#146;s Corporate Trust Administration Department shall have
actual knowledge of such default or (B)&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;210 <I>Registration Rights Agreement</I>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to the rights set forth under the Indenture, under the Registration Rights Agreement, Holders of Subordinated Notes and owners of
beneficial interests therein may be entitled to the benefits of certain provisions of the Registration Rights Agreement. By its acceptance of an interest in the Notes, each Holder or owner of a beneficial interest in a Subordinated Note is deemed to
have acknowledged and agreed to be bound by the provisions of the Registration Rights Agreement. The Company will provide a copy of the Registration Rights Agreement to any such Holder. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">MISCELLANEOUS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;301 <I>Effect of Headings.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Article and Section headings herein are for convenience only and shall not affect the construction hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;302 <I>Successors and Assigns.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All covenants and agreements in this Fourteenth Supplemental Indenture by the parties hereto shall bind their respective successors and
assigns and inure to the benefit of their permitted successors and assigns, whether so expressed or not. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;303 <I>Separability
Clause.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case any provision in this Fourteenth Supplemental Indenture or in the Subordinated Notes shall be invalid, illegal or
unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;304 <I>Governing Law.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Fourteenth Supplemental Indenture and the Subordinated Notes shall be deemed to be contracts made and to be performed entirely in the
State of New York, and for all purposes shall be governed by and construed in accordance with the laws of said State without regard to the conflicts of law rules of said State. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;305 <I>U.S.A. PATRIOT Act.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The parties hereto acknowledge that in accordance with Section&nbsp;326 of the U.S.A. PATRIOT Act, the Trustee is required to obtain, verify,
and record information that identifies each person or legal entity that establishes a relationship or opens an account with the Trustee. The parties to this Fourteenth Supplemental Indenture agree that they will provide the Trustee with such
information as the Trustee may request in order for the Trustee to satisfy the requirements of the U.S.A. PATRIOT Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;306
<I>FATCA.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Paying Agent and the Trustee shall be entitled to deduct or withhold from payments under this Fourteenth Supplemental
Indenture to the extent necessary to comply with an agreement described in Section&nbsp;1471(b) of the Code or otherwise imposed pursuant to Sections 1471 through 1474 of the Code and any regulations or agreements thereunder or official
interpretations thereof </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(&#147;<I>FATCA</I>&#148;). The Company hereby covenants that it will provide the Trustee and Paying Agent with sufficient information (but only to the extent that the Company has knowledge of
such information) so as to enable the Trustee and Paying Agent to determine whether or not each of the Trustee and Paying Agent, respectively, is obliged, in respect of any payments to be made by it pursuant to this Fourteenth Supplemental
Indenture, to make any withholding or deduction pursuant to an agreement described in Section&nbsp;1471(b) of the Code, or otherwise imposed pursuant to Section&nbsp;1471 through 1474 of the Code and any regulations, or agreements thereunder or
official interpretations thereof or any intergovernmental agreement between the United States and another jurisdiction facilitating the implementation thereof (or any law implementing such an intergovernmental agreement). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;307 <I>Electronic</I><I> Communications.</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee shall have the right to accept and act upon instructions, including funds transfer instructions (&#147;<I>Instructions</I>&#148;)
given pursuant to this Fourteenth Supplemental Indenture and the Base Indenture and delivered using Electronic Means; provided, however, that the Company shall provide to the Trustee an incumbency certificate listing officers with the authority to
provide such Instructions (&#147;<I>Authorized Officers</I>&#148;) and containing specimen signatures of such Authorized Officers, which incumbency certificate shall be amended by the Company whenever a person is to be added or deleted from the
listing.&nbsp;If the Company elects to give the Trustee Instructions using Electronic Means and the Trustee in its discretion elects to act upon such Instructions, the Trustee&#146;s understanding of such Instructions shall be deemed
controlling.&nbsp;The Company understands and agrees that the Trustee cannot determine the identity of the actual sender of such Instructions and, if the Trustee believes in good faith that such Instructions are genuine and from the person
purporting to be the sender of such Instructions, that the Trustee shall have the right to conclusively presume that directions that purport to have been sent by an Authorized Officer listed on the incumbency certificate provided to the Trustee have
been sent by such Authorized Officer.&nbsp;The Company shall be responsible for ensuring that only Authorized Officers transmit such Instructions to the Trustee and that the Company and all Authorized Officers are solely responsible to safeguard the
use and confidentiality of applicable user and authorization codes, passwords and/or authentication keys upon receipt by the Company.&nbsp;The Trustee shall not be liable for any losses, costs or expenses arising directly or indirectly from the
Trustee&#146;s reliance upon and compliance with such Instructions notwithstanding such directions conflict or are inconsistent with a subsequent written instruction, unless such losses, costs or expenses were caused by the Trustee&#146;s gross
negligence, bad faith, fraud or willful misconduct.&nbsp;The Company agrees: (i)&nbsp;subject to the immediately preceding sentence, to assume all risks arising out of the use of Electronic Means to submit Instructions to the Trustee, including
without limitation the risk of the Trustee acting on unauthorized Instructions, and the risk of interception and misuse by third parties; (ii)&nbsp;that it is fully informed of the protections and risks associated with the various methods of
transmitting Instructions to the Trustee and that there may be more secure methods of transmitting Instructions than the method(s) selected by the Company; (iii)&nbsp;that the security procedures (if any) to be followed in connection with its
transmission of Instructions provide to it a commercially reasonable degree of protection in light of its particular needs and circumstances; and (iv)&nbsp;to notify the Trustee immediately upon learning of any material compromise or unauthorized
use of the security procedures to be followed in connection with its transmission of Instructions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Electronic Means</I>&#148; shall mean the following communications methods: <FONT
STYLE="white-space:nowrap">e-mail,</FONT> facsimile transmission, secure electronic transmission containing applicable authorization codes, passwords and/or authentication keys issued by the Trustee, or another method or system specified by the
Trustee as available for use in connection with its services hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;308 <I>Funds Held by </I><I>the</I><I> Trustee.</I>
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Funds held by the Trustee are to be held uninvested unless otherwise agreed in writing; <I>provided</I> that no such written agreement
shall be required with respect to U.S. Government Obligations deposited with the Trustee in accordance with <U>Article XIV</U> of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">* * * * * </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This instrument may
be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. As provided in the New York Electronic Signatures and
Records Act (N.Y. State Tech. &#167;&#167; <FONT STYLE="white-space:nowrap">301-309),</FONT> this instrument may be executed by facsimile signature or other electronic signature complying with such Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Fourteenth Supplemental Indenture to
be duly executed as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Senior Vice President and</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Assistant
Secretary</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON, <BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Laurence J. O&#146;Brien</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Laurence J. O&#146;Brien</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Vice President</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to the Fourteenth Supplemental Indenture] </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;A </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EACH PURCHASER OR HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT
(A)&nbsp;IT IS NOT A PLAN (INCLUDING A PENSION, PROFIT-SHARING OR OTHER EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (&#147;ERISA&#148;), AND AN ENTITY SUCH AS A COLLECTIVE INVESTMENT FUND, A
PARTNERSHIP, A SEPARATE ACCOUNT WHOSE UNDERLYING ASSETS INCLUDE THE ASSETS OF SUCH PLANS, AN INDIVIDUAL RETIREMENT ACCOUNT, A KEOGH PLAN FOR SELF-EMPLOYED INDIVIDUALS AND ANY OTHER PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE &#147;CODE&#148;)) AND ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES IS NOT MADE ON BEHALF OF OR WITH &#147;PLAN ASSETS&#148; OF ANY PLAN WITHIN THE MEANING OF U.S. DEPARTMENT OF LABOR REGULATION SECTION <FONT
STYLE="white-space:nowrap">2510.3-101</FONT> AS MODIFIED BY ERISA SECTION 3(42), OR (B)&nbsp;ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES WILL NOT RESULT IN A NONEXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE. IN ADDITION, EACH PURCHASER OR HOLDER OF THE NOTES OR ANY INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT SUCH PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION IS NOT AND WILL NOT BE
PROHIBITED UNDER SIMILAR RULES TO THE &#147;PROHIBITED TRANSACTION&#148; RULES OF ERISA OR SECTION 4975 OF THE CODE UNDER OTHER APPLICABLE LAWS OR REGULATIONS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BY ITS ACCEPTANCE OF AN INTEREST IN THIS SUBORDINATED NOTE, EACH HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN IS DEEMED TO HAVE ACKNOWLEDGED AND
AGREED TO BE BOUND BY THE PROVISIONS OF THE REGISTRATION RIGHTS AGREEMENT. THE COMPANY WILL PROVIDE A COPY OF THE REGISTRATION RIGHTS AGREEMENT TO A HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN WITHOUT CHARGE UPON WRITTEN REQUEST TO ITS
PRINCIPAL PLACE OF BUSINESS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>[CUSIP]<SUP STYLE="font-size:85%; vertical-align:top">1</SUP> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>[ISIN]<SUP STYLE="font-size:85%; vertical-align:top">2</SUP> </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[RULE 144A] [REGULATION S] [GLOBAL] NOTE </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>representing up to </B></P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A CUSIP: 174610BB0 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S CUSIP: U1745PAH2 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A ISIN: US174610BB01 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S ISIN: USU1745PAH20 </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>4.350% Fixed Rate Reset Subordinated Notes due 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">No.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation, promises to pay to ________or registered assigns, the
principal sum [set forth on the Schedule of Exchanges of Interests in the Global Note attached hereto] [of _______ United States Dollars] on February&nbsp;11, 2031. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest Payment Dates: Beginning on August&nbsp;11, 2021, February&nbsp;11 and August&nbsp;11 of each year </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Record Dates: January&nbsp;27 and July&nbsp;27 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additional provisions of this Subordinated Note are set forth on the other side of this Subordinated Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-A-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS HEREOF, the Company has caused this Subordinated Note to be duly executed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Subordinated Notes referred to in the within-mentioned Subordinated Indenture: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON, <BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Back of Subordinated Note] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4.350% Fixed Rate Reset Subordinated Notes due 2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Capitalized terms used herein shall have the meanings assigned to them in the Subordinated Indenture referred to below unless otherwise
indicated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. INTEREST. Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), promises to pay interest on the principal
amount of this Subordinated Note at a rate per annum equal to (a)&nbsp;from February&nbsp;11, 2021 to, but excluding, February&nbsp;11, 2026 (the &#147;Reset Date&#148;), 4.350% and (b)&nbsp;from and including the Reset Date to, but excluding
February&nbsp;11, 2031 (the &#147;Maturity Date&#148;), the Five-Year U.S. Treasury Rate as of the day falling two Business Days prior to the Reset Date (the &#147;Reset Determination Date&#148;) <I>plus</I> 2.5%, in each case, computed on the basis
of a <FONT STYLE="white-space:nowrap">360-day</FONT> year comprised of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. The Company will pay interest on this Subordinated Note (i)&nbsp;semi-annually in arrears on February&nbsp;11 and
August&nbsp;11 of each year (each, an &#147;Interest Payment Date&#148;) or, if any such day is not a Business Day, on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date to the Holder of record
of this Subordinated Note on the 15th day preceding the applicable Interest Payment Date with respect to such Interest Payment Date (each, a &#147;Record Date&#148;). Interest on this Subordinated Note will accrue from the most recent date to which
interest has been paid or, if no interest has been paid, from and including February&nbsp;11, 2021; provided that the first Interest Payment Date shall be August&nbsp;11, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The &#147;<U>Five-Year U.S. Treasury Rate</U>&#148; means, as of the Reset Determination Date, (i)&nbsp;the average of the yields on actively
traded U.S. Treasury securities adjusted to constant maturity, for five-year maturities, for the five Business Days appearing (or, if fewer than five Business Days appear, such number of Business Days appearing) under the caption &#147;Treasury
Constant Maturities&#148; in the most recently published H.15 as of 5:00 p.m. (Eastern Time) (the &#147;Initial Base Rate&#148;) or (ii)&nbsp;if there are no such published yields on actively traded U.S. Treasury securities adjusted to constant
maturity, for five-year maturities, then the rate will be determined by interpolation between the average of the yields on actively traded U.S. Treasury securities adjusted to constant maturity for two series of actively traded U.S. Treasury
securities, (A)&nbsp;one maturing as close as possible to, but earlier than, the Maturity Date, and (B)&nbsp;the other maturing as close as possible to, but later than, the Maturity Date, in each case for the five business days appearing (or, if
fewer than five business days appear, such number of business days appearing) in the H.15 as of 5:00 p.m. (Eastern Time). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding
the foregoing, if the Company, in its sole discretion, determines on or prior to the Reset Determination Date that the Five-Year U.S. Treasury Rate cannot be determined in the manner described in the immediately preceding paragraph (a
&#147;Benchmark Substitution Event&#148;), the Company may, in its sole discretion, designate an unaffiliated agent or advisor (the &#147;Designee&#148;), to determine whether there is an industry-accepted successor rate to the Initial Base Rate. If
the Designee determines that there is such an industry-accepted successor rate, then the &#147;Five-Year U.S. Treasury Rate&#148; shall be such successor rate and, in that case, the Designee may then determine and adjust the business day convention,
the definition of business day and the Reset Determination Date to be used and any other relevant methodology for determining or otherwise calculating such successor rate, including any adjustment factor needed to make such successor rate comparable
to the Initial Base Rate, in each case, in a manner that is consistent with industry-accepted practices for the use of such successor rate (the &#147;Adjustments&#148;). If the Company, in its sole discretion, does not designate a Designee or if the
Designee determines that there is no industry-accepted successor rate to the Initial Base Rate, then the Five-Year U.S. Treasury Rate will be 0.424%. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;1, &#147;Business Day&#148; means any day that is not a
Saturday, a Sunday, a legal holiday or a day on which banking institutions or trust companies in the City of New York are authorized or obligated by law to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;H.15&#148; means the daily statistical release designated as such, or any successor publication, published by the Federal Reserve or any
successor. The interest rate for this Subordinated Note following the Reset Date will be determined by the Calculation Agent (as defined below), as of the Reset Determination Date. The Calculation Agent&#146;s determination of any interest rate this
Subordinated Note will be final and binding in the absence of manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless this Subordinated Note is redeemed in whole on the
Reset Date, the Company will appoint a calculation agent (the &#147;Calculation Agent&#148;) for this Subordinated Note prior to the Reset Determination Date. The Calculation Agent may be the Company or an affiliate thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. METHOD OF PAYMENT. The Company will pay interest on this Subordinated Note to the Person that is the registered Holder of this Subordinated Note at the
close of business on the Record Date (whether or not a Business Day) next preceding the Interest Payment Date, even if this Subordinated Note is cancelled after such Record Date and on or before such Interest Payment Date, except as provided in
Section&nbsp;307 of the Base Indenture with respect to Defaulted Interest. Notwithstanding the foregoing, the interest payment at Maturity will be payable to the person to whom principal is payable. Payment of interest may be made by check mailed to
the Holders at their addresses set forth in the Security Register of Holders; <I>provided</I> that (a)&nbsp;all payments of principal, premium, if any, and interest on, Subordinated Notes represented by Global Notes registered in the name of or held
by DTC or its nominee will be made by wire transfer of immediately available funds to the accounts specified by the Holder or Holders thereof or as may otherwise be in accordance with the Applicable Procedures of DTC and (b)&nbsp;all payments of
principal, premium, if any, and interest with respect to certificated Subordinated Notes will be made by wire transfer to a U.S. dollar account maintained by the payee with a bank in the United States if such Holder elects payment by wire transfer
by giving written notice to the Trustee or the Paying Agent to such effect designating such account no later than 30 days immediately preceding the relevant due date for payment (or such other date as the Trustee may accept in its discretion). Such
payment shall be in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. PAYING AGENT AND REGISTRAR. Initially, The Bank of New York Mellon, the Trustee under the Subordinated Indenture, will act as Paying Agent and Security
Registrar. The Company may change any Paying Agent or Security Registrar without notice to the Holders. The Company or any of its Subsidiaries may act in any such capacity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. SUBORDINATED INDENTURE. The Company issued the Subordinated Notes under a Subordinated Indenture, dated
as of September&nbsp;28, 2012 (the &#147;Base Indenture&#148;), as amended and supplemented by an Fourteenth Supplemental Indenture, dated as of February&nbsp;11, 2021 (the &#147;Fourteenth Supplemental Indenture,&#148; and the Base Indenture, as
amended and supplemented, including by the Fourteenth Supplemental Indenture, the &#147;Subordinated Indenture&#148;), each between the Company and the Trustee. This Subordinated Note is one of a duly authorized issue of Subordinated Debt Securities
of the Company designated as its &#147;4.350% Fixed Rate Reset Subordinated Notes due 2031&#148;. To the extent any provision of this Subordinated Note conflicts with the express provisions of the Subordinated Indenture, the provisions of the
Subordinated Indenture shall govern and be controlling. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. REDEMPTION. Except as described below, the Subordinated Notes shall not be redeemable at the
Company&#146;s option: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole
but not in part, on the Reset Date; (ii)&nbsp;in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory Capital Treatment
Event. Any such redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the redemption price shall be equal to 100% of the
Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date (the &#147;Redemption Price&#148;). If the Redemption Price in respect of the Subordinated
Notes is not paid on the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by Section&nbsp;203 of the Fourteenth Supplemental Indenture, any redemption of the
Subordinated Notes under Section&nbsp;203 of the Fourteenth Supplemental Indenture is subject to the terms and conditions of Article XIII of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">6. MANDATORY REDEMPTION, SINKING FUND. The Company shall not be required to make mandatory redemption or sinking fund payments with respect to the
Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">7. DEFEASANCE. The Subordinated Notes will be subject to defeasance and covenant defeasance pursuant to Article XIV of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">8. DENOMINATIONS, TRANSFER, EXCHANGE. The Subordinated Notes are in registered form without coupons in a minimum denomination of $2,000 and
authorized denominations of any integral multiples of $1,000 in excess thereof. The transfer of Subordinated Notes may be registered and Subordinated Notes may be exchanged as provided in the Subordinated Indenture. The Security Registrar and the
Trustee may require a Holder, among other things, to furnish appropriate endorsements and transfer documents and the Company may require a Holder to pay any taxes and fees required by law or permitted by the Subordinated Indenture. The Company need
not exchange or register the transfer of any Subordinated Note or portion of a Subordinated Note selected for redemption. Also, the Company need not exchange of register the transfer of any Subordinated Notes for a period of 15 days before a
selection of Subordinated Notes to be redeemed. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">9. PERSONS DEEMED OWNERS. The registered Holder of a Subordinated Note may be treated as its owner for all
purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">10. AMENDMENT, SUPPLEMENT AND WAIVER. The Subordinated Indenture or the Subordinated Notes may be amended or supplemented as provided in the
Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11. DEFAULTS AND REMEDIES. The only Events of Default with respect to the Subordinated Notes are set forth in Article V of the
Base Indenture. If an Event of Default with respect to the Subordinated Notes occurs, the principal of all Outstanding Subordinated Notes and any accrued and unpaid interest thereon shall become due and payable immediately without any further action
on the part of the Trustee or the Holders. Holders may not enforce the Subordinated Indenture or the Subordinated Notes except as provided in the Subordinated Indenture. Subject to certain limitations, Holders of not less than a majority in
principal amount of the Outstanding Subordinated Notes may direct the Trustee in its exercise of any trust or power. The Trustee may withhold from Holders of the Subordinated Notes notice of any default under the Subordinated Indenture (except a
default relating to the payment of principal of, premium, if any, or interest on the Subordinated Notes) if it determines that withholding notice is in their interest. The Holders of not less than a majority in principal amount of the Outstanding
Subordinated Notes may on behalf of the Holders of all of the Subordinated Notes waive any past default or its consequences under the Subordinated Indenture, except a default in payment of the principal of, premium, if any, or interest on, any of
the Subordinated Notes. The Company is required to deliver to the Trustee annually a statement regarding compliance with the Subordinated Indenture, and the Company is required to give prompt written notice to the Trustee of any insolvency,
bankruptcy, receivership, conservatorship, reorganization, readjustment of debt, marshaling of assets and liabilities or similar proceedings or any liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> or relating to the
Company as a whole, whether voluntary or involuntary, or of any default with respect to any Senior Indebtedness that would prevent the Trustee from making any payment in respect of the Subordinated Notes under Section&nbsp;1501 of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12. AUTHENTICATION. This Subordinated Note shall not be entitled to any benefit under the Subordinated Indenture or be valid or obligatory for
any purpose until authenticated by the Trustee in accordance with the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">13. GOVERNING LAW. THE SUBORDINATED INDENTURE AND THIS
SUBORDINATED NOTE SHALL BE DEEMED TO BE CONTRACTS MADE AND TO BE PERFORMED ENTIRELY IN THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE WITHOUT REGARD TO THE CONFLICTS OF LAW
RULES OF SAID STATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">14. CUSIP NUMBERS AND ISIN. Pursuant to a recommendation promulgated by the Committee on Uniform Security Identification Procedures,
the Company has caused CUSIP numbers and ISINs to be printed on the Subordinated Notes and the Trustee may use CUSIP numbers and ISINs in notices of redemption as a convenience to Holders. No representation is made as to the accuracy of such numbers
either as printed on the Subordinated Notes or as contained in any notice of redemption and reliance may be placed only on the other identification numbers placed thereon. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company will furnish to any Holder upon written request and without charge a copy of the Subordinated
Indenture. Requests may be made to the Company at the following address: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax No.: <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">203-583-4937</FONT></FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Robin S. Elkowitz </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ASSIGNMENT FORM </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To assign this Subordinated Note, fill in the form below: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">(Insert assignee&#146;s legal name)</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">(Insert assignee&#146;s social security or tax I.D. no.)</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Print or type assignee&#146;s name, address and zip code) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and irrevocably appoint _______________________________________________________ to transfer this Subordinated Note on the books of the Company. The agent may
substitute another to act for him. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ______________________&nbsp;&nbsp;&nbsp;&nbsp; </P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="27%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="72%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD COLSPAN="3" VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Your&nbsp;Signature:</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">(Please&nbsp;sign&nbsp;exactly&nbsp;as&nbsp;your&nbsp;name&nbsp;appears on the face of this Subordinated Note)</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: _____________________________________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Trustee). </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE OF EXCHANGES OF INTERESTS IN THE GLOBAL NOTE* </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The initial Outstanding principal amount of this Global Note is
$[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]. The following exchanges of a part of this Global Note for an interest in another Global Note or for a Definitive Note, or exchanges of a part of
another Global or Definitive Note for an interest in this Global Note, have been made: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="24%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Date of</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>decrease in<BR>Principal<BR>Amount of this<BR>Global
Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>increase in<BR>Principal<BR>Amount
of&nbsp;this<BR>Global Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount&nbsp;of&nbsp;this</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global
Note</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">following&nbsp;such</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease&nbsp;or</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature&nbsp;of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">authorized<BR>officer&nbsp;of&nbsp;Trustee</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">or&nbsp;Custodian</P></TD></TR></TABLE>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">This schedule should be included only if the Subordinated Note is issued in global form </P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;B </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF TRANSFEROR CERTIFICATE OF TRANSFER </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon 240 Greenwich
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Street New York, New York 10286 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Re: <U>4.350% Fixed Rate Reset Subordinated Notes due 2031</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28, 2012, as amended and supplemented by the Fourteenth
Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York Mellon. Capitalized terms used but not defined
herein shall have the meanings given to them in the Subordinated Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>(the
&#147;Transferor&#148;) owns and proposes to transfer the Subordinated Note[s] or interest in such Subordinated Note[s] specified in Annex A hereto, in the principal amount of
$<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </U>in such Subordinated Note[s] or interests (the
&#147;Transfer&#148;),<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> to (the &#147;Transferee&#148;), as further specified in Annex A hereto. In connection with the Transfer, the Transferor
hereby certifies that: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ALL THAT APPLY] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. [ ] CHECK IF TRANSFEREE WILL TAKE DELIVERY OF A BENEFICIAL INTEREST IN THE RELEVANT 144A GLOBAL NOTE OR RELEVANT DEFINITIVE NOTE PURSUANT TO RULE 144A. The
Transfer is being effected pursuant to and in accordance with Rule 144A and, accordingly, the Transferor hereby further certifies that the interest in the Subordinated Note[s] is being transferred to a Person that the Transferor reasonably believes
is purchasing such interest in the Subordinated Note[s] for its own account, or for an account with respect to which such Person exercises sole investment discretion, such Person and each such account is a &#147;qualified institutional buyer&#148;
(as defined in Rule 144A), and such Person is aware that the sale to it is being made in reliance on Rule 144A. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. [ ] CHECK IF TRANSFEREE WILL TAKE
DELIVERY OF A BENEFICIAL INTEREST IN THE RELEVANT REGULATION S GLOBAL NOTE OR RELEVANT DEFINITIVE NOTE PURSUANT TO REGULATION S. The Transfer is being effected pursuant to and in accordance with Rule 903 or Rule 904 of Regulation S promulgated under
the Securities Act and, accordingly, the Transferor hereby further certifies that (i)&nbsp;the Transfer is not being made to a person in the United States and (x)&nbsp;at the time the buy order was originated, the Transferee was outside the United
States or such Transferor and any Person acting on its behalf reasonably believed and believes that the Transferee was outside the United States or (y)&nbsp;the transaction was executed in, on or through the facilities of a designated offshore
securities market and neither such Transferor nor any Person acting on its behalf knows that the transaction was prearranged with a buyer in the United States, (ii)&nbsp;no directed </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
selling efforts have been made in contravention of the requirements of Rule 903(b) or Rule 904(b) of Regulation S, (iii)&nbsp;the transaction is not part of a plan or scheme to evade the
registration requirements of the Securities Act and (iv)&nbsp;if the proposed transfer is being made prior to the expiration of the applicable Restricted Period, the transfer is not being made to a U.S. Person or for the account or benefit of a U.S.
Person (other than an Initial Purchaser). Upon consummation of the proposed transfer in accordance with the terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will be subject to the restrictions on Transfer
enumerated in the Subordinated Indenture and the Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. [ ] CHECK AND COMPLETE IF TRANSFEREE WILL TAKE DELIVERY OF A BENEFICIAL INTEREST IN
THE RELEVANT DEFINITIVE NOTE PURSUANT TO ANY PROVISION OF THE SECURITIES ACT OTHER THAN RULE 144A OR REGULATION S. The Transfer is being effected in compliance with the transfer restrictions applicable to beneficial interests in Restricted Global
Notes and Restricted Definitive Notes and pursuant to and in accordance with the Securities Act and any applicable blue sky securities laws of any state of the United States, and accordingly the Transferor hereby further certifies that (check one):
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected pursuant to and in accordance with Rule 144 under the Securities Act; or
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected to the Company or a subsidiary thereof; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] such Transfer is being effected pursuant to an effective registration Statement under the Securities Act
and in compliance with the prospectus delivery requirements of the Securities Act. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. [ ] CHECK IF TRANSFEREE WILL TAKE DELIVERY OF A
BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OR OF AN UNRESTRICTED DEFINITIVE NOTE. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO RULE 144. (i) The Transfer is being effected pursuant to and in accordance
with Rule 144 promulgated under the Securities Act and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky securities laws of any state of the United States and (ii)&nbsp;the restrictions
on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon consummation of the proposed Transfer in accordance with the terms of the
Subordinated Indenture, the transferred beneficial interest or Definitive Note will no longer be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the Restricted Global Notes, on Restricted Definitive
Notes and in the Subordinated Indenture. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO REGULATION S. (i)&nbsp;The Transfer is being effected pursuant to and in
accordance with Rule 903 or Rule 904 of Regulation S promulgated under the Securities Act and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky securities laws of any state of the United
States and (ii)&nbsp;the restrictions on transfer contained in the </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon consummation of the proposed Transfer in accordance with the
terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will no longer be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the Restricted Global Notes, on Restricted
Definitive Notes and in the Subordinated Indenture. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] CHECK IF TRANSFER IS PURSUANT TO OTHER EXEMPTION. (i)&nbsp;The Transfer is being effected pursuant to and
in compliance with an exemption from the registration requirements of the Securities Act other than Rule 144, Rule 903 or Rule 904 and in compliance with the transfer restrictions contained in the Subordinated Indenture and any applicable blue sky
securities laws of any State of the United States and (ii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act. Upon
consummation of the proposed Transfer in accordance with the terms of the Subordinated Indenture, the transferred beneficial interest or Definitive Note will not be subject to the restrictions on transfer enumerated in the Private Placement Legend
printed on the Restricted Global Notes or Restricted Definitive Notes and in the Subordinated Indenture. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferor]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ___________ </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ANNEX A TO CERTIFICATE OF TRANSFER </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Transferor owns and proposes to transfer the following: </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ONE OF (a)&nbsp;OR (b)] </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a beneficial interest in the: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] 144A Global Note ([CUSIP: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP
STYLE="font-size:85%; vertical-align:top">3</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Regulation S Global Note ([CUSIP: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP
STYLE="font-size:85%; vertical-align:top">4</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a Restricted Definitive Note. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">After the Transfer the Transferee will hold: </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[CHECK ONE] </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a beneficial interest in the: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] 144A Global Note ([CUSIP:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]<SUP
STYLE="font-size:85%; vertical-align:top">1</SUP>), or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Regulation S Global Note ([CUSIP: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP
STYLE="font-size:85%; vertical-align:top">2</SUP>)or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] Unrestricted Global Note ([&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ]); or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] a Restricted Definitive Note; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">[ ] an Unrestricted Definitive Note, in accordance with the terms of the Subordinated Indenture.
</P></TD></TR></TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">144A Initial CUSIP: 174610BB0 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">4</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulation S Initial CUSIP: U1745PAH2 </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;C </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF TRANSFEREE CERTIFICATE OF TRANSFER </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon 240 Greenwich
Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10286 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Re: <U>4.350% Fixed Rate Reset Subordinated Notes due 2031</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28, 2012, as amended and supplemented by the Fourteenth
Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York Mellon. Capitalized terms used but not defined
herein shall have the meanings given to them in the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">__________(the &#147;Transferor&#148;) owns and proposes to
transfer the Subordinated Note[s] or interest in such Subordinated Note[s] specified in Annex A hereto, in the principal amount of $__________ in such Subordinated Note[s] or interests (the &#147;Transfer&#148;), to________ (the
&#147;Transferee&#148;), as further specified in Annex A hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the Transfer, the Transferee hereby certifies that:
The Transfer is being effected pursuant to and in accordance with Rule 144A and, accordingly, the Transferee hereby certifies that the Transferee is purchasing an interest in the Subordinated Note[s] for its own account or an account with respect to
which it exercise sole investment discretion and that it and any such account is a &#147;qualified institutional buyer&#148; (as defined in Rule 144A) and is aware that the sale to it is being made in reliance on Rule 144A. [<I>Include if applicable
under Rule 144A(d)</I>: The Transferee acknowledges that it has received such information regarding the Company as it has requested pursuant to Rule 144A or has determined not to request such information and that it is aware that the Transferor is
relying upon its foregoing representations in order to claim the exemption from registration provided by Rule 144A.] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferee]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ____________ </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">EXHIBIT&nbsp;D </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF CERTIFICATE OF EXCHANGE </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens
Financial Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stamford, CT
06901 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Bank of New York Mellon </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">240 Greenwich Street
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10286 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Re: <U>4.350% Fixed Rate Reset Subordinated Notes due 2031</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the Subordinated Indenture, dated as of September&nbsp;28, 2012, as amended and supplemented by the Fourteenth
Supplemental Indenture, dated as of February&nbsp;11, 2021 (as so amended and supplemented, the &#147;Subordinated Indenture&#148;), between Citizens Financial Group, Inc. and The Bank of New York Mellon. Capitalized terms used but not defined
herein shall have the meanings given to them in the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">________(the &#147;Owner&#148;) owns and proposes to exchange
the Subordinated Note[s] or interest in such Subordinated Note[s] specified herein, in the principal amount of $_________in such Subordinated Note[s] or interests (the &#147;Exchange&#148;). In connection with the Exchange, the Owner hereby
certifies that: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1) EXCHANGE OF RESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN A RESTRICTED GLOBAL NOTE FOR UNRESTRICTED DEFINITIVE NOTES OR
BENEFICIAL INTERESTS IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME SERIES </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL
INTEREST IN A RESTRICTED GLOBAL NOTE TO BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for a beneficial interest in an
Unrestricted Global Note of the same series in an equal principal amount, the Owner hereby certifies (i)&nbsp;the beneficial interest is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in
compliance with the transfer restrictions applicable to the Global Notes and pursuant to and in accordance with the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), (iii) the restrictions on transfer contained in the Subordinated
Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the beneficial interest in an Unrestricted Global Note is being acquired in compliance with any applicable blue sky
securities laws of any state of the United States. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL
NOTE TO UNRESTRICTED DEFINITIVE NOTE OF THE SAME SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for an Unrestricted Definitive Note of the same series, the Owner hereby certifies
(i)&nbsp;the Definitive Note is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to the Restricted Global Notes and pursuant to and in
accordance with the Securities Act, (iii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the
Definitive Note is being acquired in compliance with any applicable blue sky securities laws of any state of the United States. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED DEFINITIVE NOTE TO BENEFICIAL INTEREST IN AN UNRESTRICTED GLOBAL NOTE OF THE SAME
SERIES. In connection with the Owner&#146;s Exchange of a Restricted Definitive Note for a beneficial interest in an Unrestricted Global Note of the same series, the Owner hereby certifies (i)&nbsp;the beneficial interest is being acquired for the
Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to Restricted Definitive Notes and pursuant to and in accordance with the Securities Act, (iii)&nbsp;the
restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the beneficial interest is being acquired in compliance with any
applicable blue sky securities laws of any state of the United States. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">d) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED
DEFINITIVE NOTE TO UNRESTRICTED DEFINITIVE NOTE OF THE SAME SERIES. In connection with the Owner&#146;s Exchange of a Restricted Definitive Note for an Unrestricted Definitive Note of the same series, the Owner hereby certifies (i)&nbsp;the
Unrestricted Definitive Note is being acquired for the Owner&#146;s own account without transfer, (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to Restricted Definitive Notes and pursuant to and in
accordance with the Securities Act, (iii)&nbsp;the restrictions on transfer contained in the Subordinated Indenture and the Private Placement Legend are not required in order to maintain compliance with the Securities Act and (iv)&nbsp;the
Unrestricted Definitive Note is being acquired in compliance with any applicable blue sky securities laws of any state of the United States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2) EXCHANGE
OF RESTRICTED DEFINITIVE NOTES OR BENEFICIAL INTERESTS IN RESTRICTED GLOBAL NOTES FOR RESTRICTED DEFINITIVE NOTES OF THE SAME SERIES OR BENEFICIAL INTERESTS IN RESTRICTED GLOBAL NOTES OF THE SAME SERIES </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a) [ ] CHECK IF EXCHANGE IS FROM BENEFICIAL INTEREST IN A RESTRICTED GLOBAL NOTE TO RESTRICTED DEFINITIVE NOTE OF THE SAME
SERIES. In connection with the Exchange of the Owner&#146;s beneficial interest in a Restricted Global Note for a Restricted Definitive Note of the same series with an equal principal amount, the Owner hereby certifies that the Restricted Definitive
Note is being acquired for the Owner&#146;s own account without transfer. Upon consummation of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
proposed Exchange in accordance with the terms of the Subordinated Indenture, the Restricted Definitive Note issued will continue to be subject to the restrictions on transfer enumerated in the
Private Placement Legend printed on the Restricted Definitive Note and in the Subordinated Indenture and the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b) [ ] CHECK IF EXCHANGE IS FROM RESTRICTED DEFINITIVE NOTE TO BENEFICIAL INTEREST IN A RESTRICTED GLOBAL NOTE OF THE SAME
SERIES. In connection with the Exchange of the Owner&#146;s Restricted Definitive Note for a beneficial interest in the [CHECK ONE] [ ] 144A Global Note [ ] Regulation S Global Note of the same series, with an equal principal amount, the Owner
hereby certifies (i)&nbsp;the beneficial interest is being acquired for the Owner&#146;s own account without transfer and (ii)&nbsp;such Exchange has been effected in compliance with the transfer restrictions applicable to the Restricted Global
Notes and pursuant to and in accordance with the Securities Act, and in compliance with any applicable blue sky securities laws of any state of the United States. Upon consummation of the proposed Exchange in accordance with the terms of the
Subordinated Indenture, the beneficial interest issued will be subject to the restrictions on transfer enumerated in the Private Placement Legend printed on the relevant Restricted Global Note and in the Subordinated Indenture and the Securities
Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This certificate and the statements contained herein are made for your benefit and the
benefit of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">[Insert Name of Transferor]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: _______________ </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-4 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.5
<SEQUENCE>5
<FILENAME>d122408dex45.htm
<DESCRIPTION>EX-4.5
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.5</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 4.5 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION EXEMPT FROM REGISTRATION UNDER SECTION 5 OF THE UNITED STATES
SECURITIES ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN APPLICABLE EXEMPTION THEREFROM. EACH PURCHASER OF AN
INTEREST IN THE SECURITY EVIDENCED HEREBY IS HEREBY NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A THEREUNDER. THE HOLDER OF ANY INTEREST IN THE SECURITY
EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, (A)&nbsp;UNTIL ONE YEAR (OR SUCH SHORTER PERIOD AS MAY BE PERMITTED UNDER RULE 144 UNDER THE SECURITIES ACT) AFTER FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED
INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE SECURITIES ACT, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE
903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER
AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION, (B)&nbsp;IN CONNECTION WITH ANY
OFFER, SALE OR TRANSFER PURSUANT TO (A)(2) OR (A)(5) ABOVE, SUBJECT TO THE RIGHT OF THE COMPANY AND TRUSTEE TO REQUEST IN ADVANCE OF ANY OFFER, SALE OR OTHER TRANSFER, CERTIFICATIONS AND/OR OTHER INFORMATION, AND AN OPINION OF COUNSEL, IN EACH CASE
SATISFACTORY TO THE COMPANY AND TRUSTEE AND (C)&nbsp;THE HOLDER OF AN INTEREST IN THE SECURITY EVEIDENCED HEREBY WILL, AND EACH SUBSEQUENT HOLDER OF SUCH AN INTEREST IS REQUIRED TO, NOTIFY ANY PURCHASER OF ANY INTEREST IN THE SECURITY EVIDENCED
HEREBY OF THE RESALE RESTRICTIONS SET FORTH IN CLAUSES (A)&nbsp;AND (B) ABOVE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS LEGEND WILL BE REMOVED UPON THE REQUEST OF A HOLDER ONLY AT THE
DIRECTION AND IN THE ABSOLUTE DISCRETION OF THE ISSUER AFTER THE RESALE RESTRICTION TERMINATION DATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS GLOBAL NOTE IS HELD BY THE DEPOSITARY (AS
DEFINED IN THE SUBORDINATED INDENTURE GOVERNING THIS SUBORDINATED NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT THAT (I)&nbsp;THE TRUSTEE MAY
MAKE SUCH NOTATIONS HEREON AS MAY BE REQUIRED PURSUANT TO SECTION&nbsp;205(h) OF THE TWELFTH SUPPLEMENTAL </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
INDENTURE, (II)&nbsp;THIS GLOBAL NOTE MAY BE EXCHANGED IN WHOLE BUT NOT IN PART PURSUANT TO SECTION&nbsp;205(a) OF THE TWELFTH SUPPLEMENTAL INDENTURE, (III)&nbsp;THIS GLOBAL NOTE MAY BE DELIVERED
TO THE TRUSTEE FOR CANCELLATION PURSUANT TO SECTION 308 OF THE BASE INDENTURE AND (IV)&nbsp;THIS GLOBAL NOTE MAY BE TRANSFERRED TO A SUCCESSOR DEPOSITARY WITH THE PRIOR WRITTEN CONSENT OF THE COMPANY. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN
PART FOR SUBORDINATED NOTES IN DEFINITIVE FORM, THIS SUBORDINATED NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY
OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (55 WATER STREET, NEW YORK, NEW YORK)
(&#147;DTC&#148;) TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF
DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR SUCH OTHER ENTITY AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE
REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EACH PURCHASER OR HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST HEREIN WILL BE
DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT (A)&nbsp;IT IS NOT A PLAN (INCLUDING A PENSION, PROFIT-SHARING OR OTHER EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED
(&#147;ERISA&#148;), AND AN ENTITY SUCH AS A COLLECTIVE INVESTMENT FUND, A PARTNERSHIP, A SEPARATE ACCOUNT WHOSE UNDERLYING ASSETS INCLUDE THE ASSETS OF SUCH PLANS, AN INDIVIDUAL RETIREMENT ACCOUNT, A KEOGH PLAN FOR SELF-EMPLOYED INDIVIDUALS AND ANY
OTHER PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE &#147;CODE&#148;)) AND ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES IS NOT MADE ON BEHALF OF OR WITH &#147;PLAN ASSETS&#148; OF ANY
PLAN WITHIN THE MEANING OF U.S. DEPARTMENT OF LABOR REGULATION SECTION <FONT STYLE="white-space:nowrap">2510.3-101</FONT> AS MODIFIED BY ERISA SECTION 3(42), OR (B)&nbsp;ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES WILL NOT RESULT
IN A NONEXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE. IN ADDITION, EACH PURCHASER OR HOLDER OF THE NOTES OR ANY INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT
SUCH PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION IS NOT AND WILL NOT BE PROHIBITED UNDER SIMILAR RULES TO THE &#147;PROHIBITED TRANSACTION&#148; RULES OF ERISA OR SECTION 4975 OF THE CODE UNDER OTHER APPLICABLE LAWS OR REGULATIONS. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BY ITS ACCEPTANCE OF AN INTEREST IN THIS SUBORDINATED NOTE, EACH HOLDER OF THIS SUBORDINATED NOTE OR ANY
INTEREST HEREIN IS DEEMED TO HAVE ACKNOWLEDGED AND AGREED TO BE BOUND BY THE PROVISIONS OF THE REGISTRATION RIGHTS AGREEMENT. THE COMPANY WILL PROVIDE A COPY OF THE REGISTRATION RIGHTS AGREEMENT TO A HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST
HEREIN WITHOUT CHARGE UPON WRITTEN REQUEST TO ITS PRINCIPAL PLACE OF BUSINESS. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>CUSIP: </B>174610AZ8 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ISIN: </B>US174610AZ87 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RULE 144A GLOBAL
NOTE </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>representing up to </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$134,632,000 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>4.300%
Fixed Rate Reset Subordinated Notes due 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">No.&nbsp;1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">$134,632,000</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation, promises to pay to Cede&nbsp;&amp; Co. or registered
assigns, the principal sum of One Hundred Thirty-Four Million Six Hundred <FONT STYLE="white-space:nowrap">Thirty-Two</FONT> Thousand United States Dollars on February&nbsp;11, 2031. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest Payment Dates: Beginning on August&nbsp;11, 2021, February&nbsp;11 and August&nbsp;11 of each year </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Record Dates: January&nbsp;27 and July&nbsp;27 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additional provisions of this Subordinated Note are set forth on the other side of this Subordinated Note. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS HEREOF, the Company has caused this Subordinated Note to be duly executed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: February&nbsp;11, 2021 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Subordinated Notes referred to in the within-mentioned Subordinated Indenture: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON, <BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: February&nbsp;11, 2021 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Back of Subordinated Note </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4.300% Fixed Rate Reset Subordinated Notes due 2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Capitalized terms used herein shall have the meanings assigned to them in the Subordinated Indenture referred to below unless otherwise
indicated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. INTEREST. Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), promises to pay interest on the principal
amount of this Subordinated Note at a rate per annum equal to (a)&nbsp;from February&nbsp;11, 2021 to, but excluding, February&nbsp;11, 2026 (the &#147;Reset Date&#148;), 4.300% and (b)&nbsp;from and including the Reset Date to, but excluding
February&nbsp;11, 2031 (the &#147;Maturity Date&#148;), the Five-Year U.S. Treasury Rate as of the day falling two Business Days prior to the Reset Date (the &#147;Reset Determination Date&#148;) <I>plus</I> 2.5%, in each case, computed on the basis
of a <FONT STYLE="white-space:nowrap">360-day</FONT> year comprised of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. The Company will pay interest on this Subordinated Note (i)&nbsp;semi-annually in arrears on February&nbsp;11 and
August&nbsp;11 of each year (each, an &#147;Interest Payment Date&#148;) or, if any such day is not a Business Day, on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date to the Holder of record
of this Subordinated Note on the 15th day preceding the applicable Interest Payment Date with respect to such Interest Payment Date (each, a &#147;Record Date&#148;). Interest on this Subordinated Note will accrue from the most recent date to which
interest has been paid or, if no interest has been paid, from and including February&nbsp;11, 2021; provided that the first Interest Payment Date shall be August&nbsp;11, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The &#147;Five-Year U.S. Treasury Rate&#148; means, as of the Reset Determination Date, (i)&nbsp;the average of the yields on actively traded
U.S. Treasury securities adjusted to constant maturity, for five-year maturities, for the five Business Days appearing (or, if fewer than five Business Days appear, such number of Business Days appearing) under the caption &#147;Treasury Constant
Maturities&#148; in the most recently published H.15 as of 5:00 p.m. (Eastern Time) (the &#147;Initial Base Rate&#148;) or (ii)&nbsp;if there are no such published yields on actively traded U.S. Treasury securities adjusted to constant maturity, for
five-year maturities, then the rate will be determined by interpolation between the average of the yields on actively traded U.S. Treasury securities adjusted to constant maturity for two series of actively traded U.S. Treasury securities,
(A)&nbsp;one maturing as close as possible to, but earlier than, the Maturity Date, and (B)&nbsp;the other maturing as close as possible to, but later than, the Maturity Date, in each case for the five business days appearing (or, if fewer than five
business days appear, such number of business days appearing) in the H.15 as of 5:00 p.m. (Eastern Time). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing,
if the Company, in its sole discretion, determines on or prior to the Reset Determination Date that the Five-Year U.S. Treasury Rate cannot be determined in the manner described in the immediately preceding paragraph (a &#147;Benchmark Substitution
Event&#148;), the Company may, in its sole discretion, designate an unaffiliated agent or advisor (the &#147;Designee&#148;), to determine whether there is an industry-accepted successor rate to the Initial Base Rate. If the Designee determines that
there is such an industry-accepted successor rate, then the &#147;Five-Year U.S. Treasury Rate&#148; shall be such successor rate and, in that case, the Designee may then determine and adjust the business day convention, the definition of business
day and the Reset Determination Date to be used and any other relevant methodology for determining or otherwise </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
calculating such successor rate, including any adjustment factor needed to make such successor rate comparable to the Initial Base Rate, in each case, in a manner that is consistent with
industry-accepted practices for the use of such successor rate (the &#147;Adjustments&#148;). If the Company, in its sole discretion, does not designate a Designee or if the Designee determines that there is no industry-accepted successor rate to
the Initial Base Rate, then the Five-Year U.S. Treasury Rate will be 0.424%. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;1, &#147;Business
Day&#148; means any day that is not a Saturday, a Sunday, a legal holiday or a day on which banking institutions or trust companies in the City of New York are authorized or obligated by law to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;H.15&#148; means the daily statistical release designated as such, or any successor publication, published by the Federal Reserve or any
successor. The interest rate for this Subordinated Note following the Reset Date will be determined by the Calculation Agent (as defined below), as of the Reset Determination Date. The Calculation Agent&#146;s determination of any interest rate this
Subordinated Note will be final and binding in the absence of manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless this Subordinated Note is redeemed in whole on the
Reset Date, the Company will appoint a calculation agent (the &#147;Calculation Agent&#148;) for this Subordinated Note prior to the Reset Determination Date. The Calculation Agent may be the Company or an affiliate thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. METHOD OF PAYMENT. The Company will pay interest on this Subordinated Note to the Person that is the registered Holder of this Subordinated Note at the
close of business on the Record Date (whether or not a Business Day) next preceding the Interest Payment Date, even if this Subordinated Note is cancelled after such Record Date and on or before such Interest Payment Date, except as provided in
Section&nbsp;307 of the Base Indenture with respect to Defaulted Interest. Notwithstanding the foregoing, the interest payment at Maturity will be payable to the person to whom principal is payable. Payment of interest may be made by check mailed to
the Holders at their addresses set forth in the Security Register of Holders; <I>provided</I> that (a)&nbsp;all payments of principal, premium, if any, and interest on, Subordinated Notes represented by Global Notes registered in the name of or held
by DTC or its nominee will be made by wire transfer of immediately available funds to the accounts specified by the Holder or Holders thereof or as may otherwise be in accordance with the Applicable Procedures of DTC and (b)&nbsp;all payments of
principal, premium, if any, and interest with respect to certificated Subordinated Notes will be made by wire transfer to a U.S. dollar account maintained by the payee with a bank in the United States if such Holder elects payment by wire transfer
by giving written notice to the Trustee or the Paying Agent to such effect designating such account no later than 30 days immediately preceding the relevant due date for payment (or such other date as the Trustee may accept in its discretion). Such
payment shall be in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. PAYING AGENT AND REGISTRAR. Initially, The Bank of New York Mellon, the Trustee under the Subordinated Indenture, will act as Paying Agent and Security
Registrar. The Company may change any Paying Agent or Security Registrar without notice to the Holders. The Company or any of its Subsidiaries may act in any such capacity. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. SUBORDINATED INDENTURE. The Company issued the Subordinated Notes under a Subordinated Indenture, dated
as of September&nbsp;28, 2012 (the &#147;Base Indenture&#148;), as amended and supplemented by an Twelfth Supplemental Indenture, dated as of February&nbsp;11, 2021 (the &#147;Twelfth Supplemental Indenture,&#148; and the Base Indenture, as amended
and supplemented, including by the Twelfth Supplemental Indenture, the &#147;Subordinated Indenture&#148;), each between the Company and the Trustee. This Subordinated Note is one of a duly authorized issue of Subordinated Debt Securities of the
Company designated as its &#147;4.300% Fixed Rate Reset Subordinated Notes due 2031&#148;. To the extent any provision of this Subordinated Note conflicts with the express provisions of the Subordinated Indenture, the provisions of the Subordinated
Indenture shall govern and be controlling. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. REDEMPTION. Except as described below, the Subordinated Notes shall not be redeemable at the Company&#146;s
option: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole but not in part,
on the Reset Date; (ii)&nbsp;in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory Capital Treatment Event. Any such
redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the redemption price shall be equal to 100% of the
Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date (the &#147;Redemption Price&#148;). If the Redemption Price in respect of the Subordinated
Notes is not paid on the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by Section&nbsp;203 of the Twelfth Supplemental Indenture, any redemption of the
Subordinated Notes under Section&nbsp;203 of the Twelfth Supplemental Indenture is subject to the terms and conditions of Article XIII of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">6. MANDATORY REDEMPTION, SINKING FUND. The Company shall not be required to make mandatory redemption or sinking fund payments with respect to the
Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">7. DEFEASANCE. The Subordinated Notes will be subject to defeasance and covenant defeasance pursuant to Article XIV of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">8. DENOMINATIONS, TRANSFER, EXCHANGE. The Subordinated Notes are in registered form without coupons in a minimum denomination of $2,000 and
authorized denominations of any integral multiples of $1,000 in excess thereof. The transfer of Subordinated Notes may be registered and Subordinated Notes may be exchanged as provided in the Subordinated Indenture. The Security Registrar and the
Trustee may require a Holder, among other </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
things, to furnish appropriate endorsements and transfer documents and the Company may require a Holder to pay any taxes and fees required by law or permitted by the Subordinated Indenture. The
Company need not exchange or register the transfer of any Subordinated Note or portion of a Subordinated Note selected for redemption. Also, the Company need not exchange of register the transfer of any Subordinated Notes for a period of 15 days
before a selection of Subordinated Notes to be redeemed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">9. PERSONS DEEMED OWNERS. The registered Holder of a Subordinated Note may be treated as its
owner for all purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">10. AMENDMENT, SUPPLEMENT AND WAIVER. The Subordinated Indenture or the Subordinated Notes may be amended or supplemented as
provided in the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11. DEFAULTS AND REMEDIES. The only Events of Default with respect to the Subordinated Notes are set forth in
Article V of the Base Indenture. If an Event of Default with respect to the Subordinated Notes occurs, the principal of all Outstanding Subordinated Notes and any accrued and unpaid interest thereon shall become due and payable immediately without
any further action on the part of the Trustee or the Holders. Holders may not enforce the Subordinated Indenture or the Subordinated Notes except as provided in the Subordinated Indenture. Subject to certain limitations, Holders of not less than a
majority in principal amount of the Outstanding Subordinated Notes may direct the Trustee in its exercise of any trust or power. The Trustee may withhold from Holders of the Subordinated Notes notice of any default under the Subordinated Indenture
(except a default relating to the payment of principal of, premium, if any, or interest on the Subordinated Notes) if it determines that withholding notice is in their interest. The Holders of not less than a majority in principal amount of the
Outstanding Subordinated Notes may on behalf of the Holders of all of the Subordinated Notes waive any past default or its consequences under the Subordinated Indenture, except a default in payment of the principal of, premium, if any, or interest
on, any of the Subordinated Notes. The Company is required to deliver to the Trustee annually a statement regarding compliance with the Subordinated Indenture, and the Company is required to give prompt written notice to the Trustee of any
insolvency, bankruptcy, receivership, conservatorship, reorganization, readjustment of debt, marshaling of assets and liabilities or similar proceedings or any liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> or
relating to the Company as a whole, whether voluntary or involuntary, or of any default with respect to any Senior Indebtedness that would prevent the Trustee from making any payment in respect of the Subordinated Notes under Section&nbsp;1501 of
the Base Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12. AUTHENTICATION. This Subordinated Note shall not be entitled to any benefit under the Subordinated Indenture or be valid or
obligatory for any purpose until authenticated by the Trustee in accordance with the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">13. GOVERNING LAW. THE SUBORDINATED
INDENTURE AND THIS SUBORDINATED NOTE SHALL BE DEEMED TO BE CONTRACTS MADE AND TO BE PERFORMED ENTIRELY IN THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE WITHOUT REGARD TO THE
CONFLICTS OF LAW RULES OF SAID STATE. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">14. CUSIP NUMBERS AND ISIN. Pursuant to a recommendation promulgated by the Committee on Uniform Security
Identification Procedures, the Company has caused CUSIP numbers and ISINs to be printed on the Subordinated Notes and the Trustee may use CUSIP numbers and ISINs in notices of redemption as a convenience to Holders. No representation is made as to
the accuracy of such numbers either as printed on the Subordinated Notes or as contained in any notice of redemption and reliance may be placed only on the other identification numbers placed thereon. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company will furnish to any Holder upon written request and without charge a copy of the Subordinated
Indenture. Requests may be made to the Company at the following address: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax No.: <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">203-583-4937</FONT></FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Robin S. Elkowitz </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ASSIGNMENT FORM </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To assign this Subordinated Note, fill in the form below: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">(Insert assignee&#146;s legal name)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">(Insert assignee&#146;s social security or tax I.D. no.)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">(Print or type assignee&#146;s name, address and zip code)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and irrevocably appoint __________________________________________________________ to transfer this Subordinated Note on the
books of the Company. The agent may substitute another to act for him. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ______________________&nbsp;&nbsp;&nbsp;&nbsp; </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="right">Your Signature:</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">(Please sign exactly as your name appears on the face of this Subordinated Note)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: _____________________________________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Trustee). </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE OF EXCHANGES OF INTERESTS IN THE GLOBAL NOTE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The initial Outstanding principal amount of this Global Note is $134,632,000. The following exchanges of a part of this Global Note for an interest in another
Global Note or for a Definitive Note, or exchanges of a part of another Global or Definitive Note for an interest in this Global Note, have been made: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="21%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="18%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Date of Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease in</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of this</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">increase in</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of this</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of this</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global Note</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">following such</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease or</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">authorized</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">officer of Trustee
or<BR>Custodian</P></TD></TR></TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.6
<SEQUENCE>6
<FILENAME>d122408dex46.htm
<DESCRIPTION>EX-4.6
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.6</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B></B>Exhibit 4.6<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION EXEMPT FROM REGISTRATION UNDER SECTION 5 OF THE UNITED STATES
SECURITIES ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN APPLICABLE EXEMPTION THEREFROM. EACH PURCHASER OF AN
INTEREST IN THE SECURITY EVIDENCED HEREBY IS HEREBY NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A THEREUNDER. THE HOLDER OF ANY INTEREST IN THE SECURITY
EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, (A)&nbsp;UNTIL ONE YEAR (OR SUCH SHORTER PERIOD AS MAY BE PERMITTED UNDER RULE 144 UNDER THE SECURITIES ACT) AFTER FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED
INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE SECURITIES ACT, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE
903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER
AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION, (B)&nbsp;IN CONNECTION WITH ANY
OFFER, SALE OR TRANSFER PURSUANT TO (A)(2) OR (A)(5) ABOVE, SUBJECT TO THE RIGHT OF THE COMPANY AND TRUSTEE TO REQUEST IN ADVANCE OF ANY OFFER, SALE OR OTHER TRANSFER, CERTIFICATIONS AND/OR OTHER INFORMATION, AND AN OPINION OF COUNSEL, IN EACH CASE
SATISFACTORY TO THE COMPANY AND TRUSTEE AND (C)&nbsp;THE HOLDER OF AN INTEREST IN THE SECURITY EVEIDENCED HEREBY WILL, AND EACH SUBSEQUENT HOLDER OF SUCH AN INTEREST IS REQUIRED TO, NOTIFY ANY PURCHASER OF ANY INTEREST IN THE SECURITY EVIDENCED
HEREBY OF THE RESALE RESTRICTIONS SET FORTH IN CLAUSES (A)&nbsp;AND (B) ABOVE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS LEGEND WILL BE REMOVED UPON THE REQUEST OF A HOLDER ONLY AT THE
DIRECTION AND IN THE ABSOLUTE DISCRETION OF THE ISSUER AFTER THE RESALE RESTRICTION TERMINATION DATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS GLOBAL NOTE IS HELD BY THE DEPOSITARY (AS
DEFINED IN THE SUBORDINATED INDENTURE GOVERNING THIS SUBORDINATED NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT THAT (I)&nbsp;THE TRUSTEE MAY
MAKE SUCH NOTATIONS HEREON AS MAY BE REQUIRED PURSUANT TO SECTION&nbsp;205(h) OF THE THIRTEENTH </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
SUPPLEMENTAL INDENTURE, (II)&nbsp;THIS GLOBAL NOTE MAY BE EXCHANGED IN WHOLE BUT NOT IN PART PURSUANT TO SECTION&nbsp;205(a) OF THE THIRTEENTH SUPPLEMENTAL INDENTURE, (III)&nbsp;THIS GLOBAL NOTE
MAY BE DELIVERED TO THE TRUSTEE FOR CANCELLATION PURSUANT TO SECTION 308 OF THE BASE INDENTURE AND (IV)&nbsp;THIS GLOBAL NOTE MAY BE TRANSFERRED TO A SUCCESSOR DEPOSITARY WITH THE PRIOR WRITTEN CONSENT OF THE COMPANY. UNLESS AND UNTIL IT IS
EXCHANGED IN WHOLE OR IN PART FOR SUBORDINATED NOTES IN DEFINITIVE FORM, THIS SUBORDINATED NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER
NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (55 WATER
STREET, NEW YORK, NEW YORK) (&#147;DTC&#148;) TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS MAY BE REQUESTED BY AN
AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR SUCH OTHER ENTITY AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EACH PURCHASER OR HOLDER OF THIS SUBORDINATED NOTE OR ANY
INTEREST HEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT (A)&nbsp;IT IS NOT A PLAN (INCLUDING A PENSION, PROFIT-SHARING OR OTHER EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF
1974, AS AMENDED (&#147;ERISA&#148;), AND AN ENTITY SUCH AS A COLLECTIVE INVESTMENT FUND, A PARTNERSHIP, A SEPARATE ACCOUNT WHOSE UNDERLYING ASSETS INCLUDE THE ASSETS OF SUCH PLANS, AN INDIVIDUAL RETIREMENT ACCOUNT, A KEOGH PLAN FOR SELF-EMPLOYED
INDIVIDUALS AND ANY OTHER PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE &#147;CODE&#148;)) AND ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES IS NOT MADE ON BEHALF OF OR WITH &#147;PLAN
ASSETS&#148; OF ANY PLAN WITHIN THE MEANING OF U.S. DEPARTMENT OF LABOR REGULATION SECTION <FONT STYLE="white-space:nowrap">2510.3-101</FONT> AS MODIFIED BY ERISA SECTION 3(42), OR (B)&nbsp;ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE
NOTES WILL NOT RESULT IN A NONEXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE. IN ADDITION, EACH PURCHASER OR HOLDER OF THE NOTES OR ANY INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR
HOLDING OF THE NOTES THAT SUCH PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION IS NOT AND WILL NOT BE PROHIBITED UNDER SIMILAR RULES TO THE &#147;PROHIBITED TRANSACTION&#148; RULES OF ERISA OR SECTION 4975 OF THE CODE UNDER OTHER APPLICABLE LAWS OR
REGULATIONS. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BY ITS ACCEPTANCE OF AN INTEREST IN THIS SUBORDINATED NOTE, EACH HOLDER OF THIS SUBORDINATED NOTE OR ANY
INTEREST HEREIN IS DEEMED TO HAVE ACKNOWLEDGED AND AGREED TO BE BOUND BY THE PROVISIONS OF THE REGISTRATION RIGHTS AGREEMENT. THE COMPANY WILL PROVIDE A COPY OF THE REGISTRATION RIGHTS AGREEMENT TO A HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST
HEREIN WITHOUT CHARGE UPON WRITTEN REQUEST TO ITS PRINCIPAL PLACE OF BUSINESS. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>CUSIP: </B>174610AX3 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ISIN: </B>US174610AX30 </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RULE 144A GLOBAL
NOTE </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>representing up to </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$68,710,000 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>3.750% Fixed
Rate Reset Subordinated Notes due 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">No.&nbsp;1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right">$68,710,000</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation, promises to pay to Cede&nbsp;&amp; Co. or registered
assigns, the principal sum of Sixty-Eight Million Seven Hundred and Ten Thousand<B> </B>United States Dollars on February&nbsp;11, 2031. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest Payment Dates: Beginning on August&nbsp;11, 2021, February&nbsp;11 and August&nbsp;11 of each year </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Record Dates: January&nbsp;27 and July&nbsp;27 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Additional provisions of this Subordinated Note are set forth on the other side of this Subordinated Note. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS HEREOF, the Company has caused this Subordinated Note to be duly executed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: February&nbsp;11, 2021 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Subordinated Notes referred to in the within-mentioned Subordinated Indenture: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON, <BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: February&nbsp;11, 2021 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Back of Subordinated Note </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3.750% Fixed Rate Reset Subordinated Notes due 2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Capitalized terms used herein shall have the meanings assigned to them in the Subordinated Indenture referred to below unless otherwise
indicated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. INTEREST. Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), promises to pay interest on the principal
amount of this Subordinated Note at a rate per annum equal to (a)&nbsp;from February&nbsp;11, 2021 to, but excluding, February&nbsp;11, 2026 (the &#147;Reset Date&#148;), 3.750% and (b)&nbsp;from and including the Reset Date to, but excluding
February&nbsp;11, 2031 (the &#147;Maturity Date&#148;), the Five-Year U.S. Treasury Rate as of the day falling two Business Days prior to the Reset Date (the &#147;Reset Determination Date&#148;) <I>plus</I> 2.5%, in each case, computed on the basis
of a <FONT STYLE="white-space:nowrap">360-day</FONT> year comprised of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. The Company will pay interest on this Subordinated Note (i)&nbsp;semi-annually in arrears on February&nbsp;11 and
August&nbsp;11 of each year (each, an &#147;Interest Payment Date&#148;) or, if any such day is not a Business Day, on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date to the Holder of record
of this Subordinated Note on the 15th day preceding the applicable Interest Payment Date with respect to such Interest Payment Date (each, a &#147;Record Date&#148;). Interest on this Subordinated Note will accrue from the most recent date to which
interest has been paid or, if no interest has been paid, from and including February&nbsp;11, 2021; provided that the first Interest Payment Date shall be August&nbsp;11, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The &#147;Five-Year U.S. Treasury Rate&#148; means, as of the Reset Determination Date, (i)&nbsp;the average of the yields on actively traded
U.S. Treasury securities adjusted to constant maturity, for five-year maturities, for the five Business Days appearing (or, if fewer than five Business Days appear, such number of Business Days appearing) under the caption &#147;Treasury Constant
Maturities&#148; in the most recently published H.15 as of 5:00 p.m. (Eastern Time) (the &#147;Initial Base Rate&#148;) or (ii)&nbsp;if there are no such published yields on actively traded U.S. Treasury securities adjusted to constant maturity, for
five-year maturities, then the rate will be determined by interpolation between the average of the yields on actively traded U.S. Treasury securities adjusted to constant maturity for two series of actively traded U.S. Treasury securities,
(A)&nbsp;one maturing as close as possible to, but earlier than, the Maturity Date, and (B)&nbsp;the other maturing as close as possible to, but later than, the Maturity Date, in each case for the five business days appearing (or, if fewer than five
business days appear, such number of business days appearing) in the H.15 as of 5:00 p.m. (Eastern Time). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing,
if the Company, in its sole discretion, determines on or prior to the Reset Determination Date that the Five-Year U.S. Treasury Rate cannot be determined in the manner described in the immediately preceding paragraph (a &#147;Benchmark Substitution
Event&#148;), the Company may, in its sole discretion, designate an unaffiliated agent or advisor (the &#147;Designee&#148;), to determine whether there is an industry-accepted successor rate to the Initial Base Rate. If the Designee determines that
there is such an industry-accepted successor rate, then the &#147;Five-Year U.S. Treasury Rate&#148; shall be such successor rate and, in that case, the Designee may then determine and adjust the business day convention, the definition of business
day and the Reset Determination Date to be used and any other relevant methodology for determining or otherwise calculating such successor rate, including any adjustment factor needed to make such successor rate comparable to the Initial Base Rate,
in each case, in a manner that is consistent with industry- accepted practices for the use of such successor rate (the &#147;Adjustments&#148;). If the Company, in its sole discretion, does not designate a Designee or if the Designee determines that
there is no industry-accepted successor rate to the Initial Base Rate, then the Five-Year U.S. Treasury Rate will be 0.424%. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;1, &#147;Business Day&#148; means any day that is not a
Saturday, a Sunday, a legal holiday or a day on which banking institutions or trust companies in the City of New York are authorized or obligated by law to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;H.15&#148; means the daily statistical release designated as such, or any successor publication, published by the Federal Reserve or any
successor. The interest rate for this Subordinated Note following the Reset Date will be determined by the Calculation Agent (as defined below), as of the Reset Determination Date. The Calculation Agent&#146;s determination of any interest rate this
Subordinated Note will be final and binding in the absence of manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless this Subordinated Note is redeemed in whole on the
Reset Date, the Company will appoint a calculation agent (the &#147;Calculation Agent&#148;) for this Subordinated Note prior to the Reset Determination Date. The Calculation Agent may be the Company or an affiliate thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. METHOD OF PAYMENT. The Company will pay interest on this Subordinated Note to the Person that is the registered Holder of this Subordinated Note at the
close of business on the Record Date (whether or not a Business Day) next preceding the Interest Payment Date, even if this Subordinated Note is cancelled after such Record Date and on or before such Interest Payment Date, except as provided in
Section&nbsp;307 of the Base Indenture with respect to Defaulted Interest. Notwithstanding the foregoing, the interest payment at Maturity will be payable to the person to whom principal is payable. Payment of interest may be made by check mailed to
the Holders at their addresses set forth in the Security Register of Holders; <I>provided</I> that (a)&nbsp;all payments of principal, premium, if any, and interest on, Subordinated Notes represented by Global Notes registered in the name of or held
by DTC or its nominee will be made by wire transfer of immediately available funds to the accounts specified by the Holder or Holders thereof or as may otherwise be in accordance with the Applicable Procedures of DTC and (b)&nbsp;all payments of
principal, premium, if any, and interest with respect to certificated Subordinated Notes will be made by wire transfer to a U.S. dollar account maintained by the payee with a bank in the United States if such Holder elects payment by wire transfer
by giving written notice to the Trustee or the Paying Agent to such effect designating such account no later than 30 days immediately preceding the relevant due date for payment (or such other date as the Trustee may accept in its discretion). Such
payment shall be in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. PAYING AGENT AND REGISTRAR. Initially, The Bank of New York Mellon, the Trustee under the Subordinated Indenture, will act as Paying Agent and Security
Registrar. The Company may change any Paying Agent or Security Registrar without notice to the Holders. The Company or any of its Subsidiaries may act in any such capacity. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. SUBORDINATED INDENTURE. The Company issued the Subordinated Notes under a Subordinated Indenture, dated
as of September&nbsp;28, 2012 (the &#147;Base Indenture&#148;), as amended and supplemented by an Thirteenth Supplemental Indenture, dated as of February&nbsp;11, 2021 (the &#147;Thirteenth Supplemental Indenture,&#148; and the Base Indenture, as
amended and supplemented, including by the Thirteenth Supplemental Indenture, the &#147;Subordinated Indenture&#148;), each between the Company and the Trustee. This Subordinated Note is one of a duly authorized issue of Subordinated Debt Securities
of the Company designated as its &#147;3.750% Fixed Rate Reset Subordinated Notes due 2031&#148;. To the extent any provision of this Subordinated Note conflicts with the express provisions of the Subordinated Indenture, the provisions of the
Subordinated Indenture shall govern and be controlling. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. REDEMPTION. Except as described below, the Subordinated Notes shall not be redeemable at the
Company&#146;s option: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole
but not in part, on the Reset Date; (ii)&nbsp;in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory Capital Treatment
Event. Any such redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the redemption price shall be equal to 100% of the
Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date (the &#147;Redemption Price&#148;). If the Redemption Price in respect of the Subordinated
Notes is not paid on the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by Section&nbsp;203 of the Thirteenth Supplemental Indenture, any redemption of the
Subordinated Notes under Section&nbsp;203 of the Thirteenth Supplemental Indenture is subject to the terms and conditions of Article XIII of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">6. MANDATORY REDEMPTION, SINKING FUND. The Company shall not be required to make mandatory redemption or sinking fund payments with respect to the
Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">7. DEFEASANCE. The Subordinated Notes will be subject to defeasance and covenant defeasance pursuant to Article XIV of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">8. DENOMINATIONS, TRANSFER, EXCHANGE. The Subordinated Notes are in registered form without coupons in a minimum denomination of $2,000 and
authorized denominations of any integral multiples of $1,000 in excess thereof. The transfer of Subordinated Notes may be registered and Subordinated Notes may be exchanged as provided in the Subordinated Indenture. The Security Registrar and the
Trustee may require a Holder, among other things, to furnish appropriate endorsements and transfer documents and the Company may require a Holder to pay any taxes and fees required by law or permitted by the Subordinated Indenture. The Company need
not exchange or register the transfer of any Subordinated Note or portion of a Subordinated Note selected for redemption. Also, the Company need not exchange of register the transfer of any Subordinated Notes for a period of 15 days before a
selection of Subordinated Notes to be redeemed. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">9. PERSONS DEEMED OWNERS. The registered Holder of a Subordinated Note may be treated as its owner for all
purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">10. AMENDMENT, SUPPLEMENT AND WAIVER. The Subordinated Indenture or the Subordinated Notes may be amended or supplemented as provided in the
Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11. DEFAULTS AND REMEDIES. The only Events of Default with respect to the Subordinated Notes are set forth in Article V of the
Base Indenture. If an Event of Default with respect to the Subordinated Notes occurs, the principal of all Outstanding Subordinated Notes and any accrued and unpaid interest thereon shall become due and payable immediately without any further action
on the part of the Trustee or the Holders. Holders may not enforce the Subordinated Indenture or the Subordinated Notes except as provided in the Subordinated Indenture. Subject to certain limitations, Holders of not less than a majority in
principal amount of the Outstanding Subordinated Notes may direct the Trustee in its exercise of any trust or power. The Trustee may withhold from Holders of the Subordinated Notes notice of any default under the Subordinated Indenture (except a
default relating to the payment of principal of, premium, if any, or interest on the Subordinated Notes) if it determines that withholding notice is in their interest. The Holders of not less than a majority in principal amount of the Outstanding
Subordinated Notes may on behalf of the Holders of all of the Subordinated Notes waive any past default or its consequences under the Subordinated Indenture, except a default in payment of the principal of, premium, if any, or interest on, any of
the Subordinated Notes. The Company is required to deliver to the Trustee annually a statement regarding compliance with the Subordinated Indenture, and the Company is required to give prompt written notice to the Trustee of any insolvency,
bankruptcy, receivership, conservatorship, reorganization, readjustment of debt, marshaling of assets and liabilities or similar proceedings or any liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> or relating to the
Company as a whole, whether voluntary or involuntary, or of any default with respect to any Senior Indebtedness that would prevent the Trustee from making any payment in respect of the Subordinated Notes under Section&nbsp;1501 of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12. AUTHENTICATION. This Subordinated Note shall not be entitled to any benefit under the Subordinated Indenture or be valid or obligatory for
any purpose until authenticated by the Trustee in accordance with the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">13. GOVERNING LAW. THE SUBORDINATED INDENTURE AND THIS
SUBORDINATED NOTE SHALL BE DEEMED TO BE CONTRACTS MADE AND TO BE PERFORMED ENTIRELY IN THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE WITHOUT REGARD TO THE CONFLICTS OF LAW
RULES OF SAID STATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">14. CUSIP NUMBERS AND ISIN. Pursuant to a recommendation promulgated by the Committee on Uniform Security Identification Procedures,
the Company has caused CUSIP numbers and ISINs to be printed on the Subordinated Notes and the Trustee may use CUSIP numbers and ISINs in notices of redemption as a convenience to Holders. No representation is made as to the accuracy of such numbers
either as printed on the Subordinated Notes or as contained in any notice of redemption and reliance may be placed only on the other identification numbers placed thereon. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company will furnish to any Holder upon written request and without charge a copy of the Subordinated
Indenture. Requests may be made to the Company at the following address: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax No.: <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">203-583-4937</FONT></FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Robin S. Elkowitz </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ASSIGNMENT FORM </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To assign this Subordinated Note, fill in the form below: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">(Insert assignee&#146;s legal name)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">(Insert assignee&#146;s social security or tax I.D. no.)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">(Print or type assignee&#146;s name, address and zip code)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and irrevocably appoint __________________________________________________________ to transfer this Subordinated Note on the
books of the Company. The agent may substitute another to act for him. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ____________________________&nbsp;&nbsp;&nbsp;&nbsp; </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="right">Your Signature:</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>(Please sign exactly as your name appears on the face of this Subordinated Note)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: _____________________________________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Trustee). </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE OF EXCHANGES OF INTERESTS IN THE GLOBAL NOTE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The initial Outstanding principal amount of this Global Note is $68,710,000. The following exchanges of a part of this Global Note for an interest in another
Global Note or for a Definitive Note, or exchanges of a part of another Global or Definitive Note for an interest in this Global Note, have been made: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="21%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="18%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Date of Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease in</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of this</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">increase in</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of this</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of this</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global Note</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">following such</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease or</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">authorized</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">officer of Trustee</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">or Custodian</P></TD></TR></TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.7
<SEQUENCE>7
<FILENAME>d122408dex47.htm
<DESCRIPTION>EX-4.7
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.7</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B></B>Exhibit 4.7<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE SECURITY (OR ITS PREDECESSOR) EVIDENCED HEREBY WAS ORIGINALLY ISSUED IN A TRANSACTION EXEMPT FROM REGISTRATION UNDER SECTION 5 OF THE UNITED STATES
SECURITIES ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), AND THE SECURITY EVIDENCED HEREBY MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN APPLICABLE EXEMPTION THEREFROM. EACH PURCHASER OF AN
INTEREST IN THE SECURITY EVIDENCED HEREBY IS HEREBY NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A THEREUNDER. THE HOLDER OF ANY INTEREST IN THE SECURITY
EVIDENCED HEREBY AGREES FOR THE BENEFIT OF THE COMPANY THAT, (A)&nbsp;UNTIL ONE YEAR (OR SUCH SHORTER PERIOD AS MAY BE PERMITTED UNDER RULE 144 UNDER THE SECURITIES ACT) AFTER FEBRUARY&nbsp;11, 2021, SUCH SECURITY MAY BE RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY (1)&nbsp;INSIDE THE UNITED STATES TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED
INSTITUTIONAL BUYER IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A UNDER THE SECURITIES ACT, (2)&nbsp;OUTSIDE THE UNITED STATES TO A <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> PERSON IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE
903 OR RULE 904 OF REGULATION S UNDER THE SECURITIES ACT, (3)&nbsp;TO THE COMPANY OR ANY OF ITS AFFILIATES, (4)&nbsp;PURSUANT TO A REGISTRATION STATEMENT THAT HAS BEEN DECLARED EFFECTIVE UNDER THE SECURITIES ACT OR (5)&nbsp;PURSUANT TO ANY OTHER
AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND, IN EACH CASE, IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION, (B)&nbsp;IN CONNECTION WITH ANY
OFFER, SALE OR TRANSFER PURSUANT TO (A)(2) OR (A)(5) ABOVE, SUBJECT TO THE RIGHT OF THE COMPANY AND TRUSTEE TO REQUEST IN ADVANCE OF ANY OFFER, SALE OR OTHER TRANSFER, CERTIFICATIONS AND/OR OTHER INFORMATION, AND AN OPINION OF COUNSEL, IN EACH CASE
SATISFACTORY TO THE COMPANY AND TRUSTEE AND (C)&nbsp;THE HOLDER OF AN INTEREST IN THE SECURITY EVEIDENCED HEREBY WILL, AND EACH SUBSEQUENT HOLDER OF SUCH AN INTEREST IS REQUIRED TO, NOTIFY ANY PURCHASER OF ANY INTEREST IN THE SECURITY EVIDENCED
HEREBY OF THE RESALE RESTRICTIONS SET FORTH IN CLAUSES (A)&nbsp;AND (B) ABOVE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS LEGEND WILL BE REMOVED UPON THE REQUEST OF A HOLDER ONLY AT THE
DIRECTION AND IN THE ABSOLUTE DISCRETION OF THE ISSUER AFTER THE RESALE RESTRICTION TERMINATION DATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS GLOBAL NOTE IS HELD BY THE DEPOSITARY (AS
DEFINED IN THE SUBORDINATED INDENTURE GOVERNING THIS SUBORDINATED NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT THAT (I)&nbsp;THE TRUSTEE MAY
MAKE SUCH NOTATIONS HEREON AS MAY BE REQUIRED PURSUANT TO SECTION&nbsp;205(h) OF THE FOURTEENTH </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
SUPPLEMENTAL INDENTURE, (II)&nbsp;THIS GLOBAL NOTE MAY BE EXCHANGED IN WHOLE BUT NOT IN PART PURSUANT TO SECTION&nbsp;205(a) OF THE FOURTEENTH SUPPLEMENTAL INDENTURE, (III)&nbsp;THIS GLOBAL NOTE
MAY BE DELIVERED TO THE TRUSTEE FOR CANCELLATION PURSUANT TO SECTION 308 OF THE BASE INDENTURE AND (IV)&nbsp;THIS GLOBAL NOTE MAY BE TRANSFERRED TO A SUCCESSOR DEPOSITARY WITH THE PRIOR WRITTEN CONSENT OF THE COMPANY. UNLESS AND UNTIL IT IS
EXCHANGED IN WHOLE OR IN PART FOR SUBORDINATED NOTES IN DEFINITIVE FORM, THIS SUBORDINATED NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER
NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (55 WATER
STREET, NEW YORK, NEW YORK) (&#147;DTC&#148;) TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS MAY BE REQUESTED BY AN
AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR SUCH OTHER ENTITY AS MAY BE REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EACH PURCHASER OR HOLDER OF THIS SUBORDINATED NOTE OR ANY
INTEREST HEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR HOLDING OF THE NOTES THAT (A)&nbsp;IT IS NOT A PLAN (INCLUDING A PENSION, PROFIT-SHARING OR OTHER EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF
1974, AS AMENDED (&#147;ERISA&#148;), AND AN ENTITY SUCH AS A COLLECTIVE INVESTMENT FUND, A PARTNERSHIP, A SEPARATE ACCOUNT WHOSE UNDERLYING ASSETS INCLUDE THE ASSETS OF SUCH PLANS, AN INDIVIDUAL RETIREMENT ACCOUNT, A KEOGH PLAN FOR SELF-EMPLOYED
INDIVIDUALS AND ANY OTHER PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE &#147;CODE&#148;)) AND ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE NOTES IS NOT MADE ON BEHALF OF OR WITH &#147;PLAN
ASSETS&#148; OF ANY PLAN WITHIN THE MEANING OF U.S. DEPARTMENT OF LABOR REGULATION SECTION <FONT STYLE="white-space:nowrap">2510.3-101</FONT> AS MODIFIED BY ERISA SECTION 3(42), OR (B)&nbsp;ITS PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION OF THE
NOTES WILL NOT RESULT IN A NONEXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE. IN ADDITION, EACH PURCHASER OR HOLDER OF THE NOTES OR ANY INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE OR
HOLDING OF THE NOTES THAT SUCH PURCHASE, HOLDING AND SUBSEQUENT DISPOSITION IS NOT AND WILL NOT BE PROHIBITED UNDER SIMILAR RULES TO THE &#147;PROHIBITED TRANSACTION&#148; RULES OF ERISA OR SECTION 4975 OF THE CODE UNDER OTHER APPLICABLE LAWS OR
REGULATIONS. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BY ITS ACCEPTANCE OF AN INTEREST IN THIS SUBORDINATED NOTE, EACH HOLDER OF THIS SUBORDINATED NOTE OR ANY
INTEREST HEREIN IS DEEMED TO HAVE ACKNOWLEDGED AND AGREED TO BE BOUND BY THE PROVISIONS OF THE REGISTRATION RIGHTS AGREEMENT. THE COMPANY WILL PROVIDE A COPY OF THE REGISTRATION RIGHTS AGREEMENT TO A HOLDER OF THIS SUBORDINATED NOTE OR ANY INTEREST
HEREIN WITHOUT CHARGE UPON WRITTEN REQUEST TO ITS PRINCIPAL PLACE OF BUSINESS. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>CUSIP: </B>174610BB0 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ISIN: </B>US174610BB01 </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RULE 144A GLOBAL
NOTE </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>representing up to </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$60,547,000 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>4.350% Fixed
Rate Reset Subordinated Notes due 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="90%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">No.&nbsp;1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right">$60,547,000</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation, promises to pay to Cede&nbsp;&amp; Co. or registered
assigns, the principal sum of Sixty Million Five Hundred Forty-Seven Thousand United States Dollars on February&nbsp;11, 2031. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest
Payment Dates: Beginning on August&nbsp;11, 2021, February&nbsp;11 and August&nbsp;11 of each year </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Record Dates: January&nbsp;27 and
July&nbsp;27 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additional provisions of this Subordinated Note are set forth on the other side of this Subordinated Note. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS HEREOF, the Company has caused this Subordinated Note to be duly executed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: February&nbsp;11, 2021 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITIZENS FINANCIAL GROUP, INC.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Subordinated Notes referred to in the within-mentioned Subordinated Indenture: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON,<BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: February&nbsp;11, 2021 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Back of Subordinated Note </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4.350% Fixed Rate Reset Subordinated Notes due 2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Capitalized terms used herein shall have the meanings assigned to them in the Subordinated Indenture referred to below unless otherwise
indicated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. INTEREST. Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), promises to pay interest on the principal
amount of this Subordinated Note at a rate per annum equal to (a)&nbsp;from February&nbsp;11, 2021 to, but excluding, February&nbsp;11, 2026 (the &#147;Reset Date&#148;), 4.350% and (b)&nbsp;from and including the Reset Date to, but excluding
February&nbsp;11, 2031 (the &#147;Maturity Date&#148;), the Five-Year U.S. Treasury Rate as of the day falling two Business Days prior to the Reset Date (the &#147;Reset Determination Date&#148;) <I>plus</I> 2.5%, in each case, computed on the basis
of a <FONT STYLE="white-space:nowrap">360-day</FONT> year comprised of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. The Company will pay interest on this Subordinated Note (i)&nbsp;semi-annually in arrears on February&nbsp;11 and
August&nbsp;11 of each year (each, an &#147;Interest Payment Date&#148;) or, if any such day is not a Business Day, on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date to the Holder of record
of this Subordinated Note on the 15th day preceding the applicable Interest Payment Date with respect to such Interest Payment Date (each, a &#147;Record Date&#148;). Interest on this Subordinated Note will accrue from the most recent date to which
interest has been paid or, if no interest has been paid, from and including February&nbsp;11, 2021; provided that the first Interest Payment Date shall be August&nbsp;11, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The &#147;Five-Year U.S. Treasury Rate&#148; means, as of the Reset Determination Date, (i)&nbsp;the average of the yields on actively traded
U.S. Treasury securities adjusted to constant maturity, for five-year maturities, for the five Business Days appearing (or, if fewer than five Business Days appear, such number of Business Days appearing) under the caption &#147;Treasury Constant
Maturities&#148; in the most recently published H.15 as of 5:00 p.m. (Eastern Time) (the &#147;Initial Base Rate&#148;) or (ii)&nbsp;if there are no such published yields on actively traded U.S. Treasury securities adjusted to constant maturity, for
five-year maturities, then the rate will be determined by interpolation between the average of the yields on actively traded U.S. Treasury securities adjusted to constant maturity for two series of actively traded U.S. Treasury securities,
(A)&nbsp;one maturing as close as possible to, but earlier than, the Maturity Date, and (B)&nbsp;the other maturing as close as possible to, but later than, the Maturity Date, in each case for the five business days appearing (or, if fewer than five
business days appear, such number of business days appearing) in the H.15 as of 5:00 p.m. (Eastern Time). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing,
if the Company, in its sole discretion, determines on or prior to the Reset Determination Date that the Five-Year U.S. Treasury Rate cannot be determined in the manner described in the immediately preceding paragraph (a &#147;Benchmark Substitution
Event&#148;), the Company may, in its sole discretion, designate an unaffiliated agent or advisor (the &#147;Designee&#148;), to determine whether there is an industry-accepted successor rate to the Initial Base Rate. If the Designee determines that
there is such an industry-accepted successor rate, then the &#147;Five-Year U.S. Treasury Rate&#148; shall be such successor rate and, in that case, the Designee may then determine and adjust the business day convention, the definition of business
day and the Reset Determination Date to be used and any other relevant methodology for determining or otherwise calculating such successor rate, including any adjustment factor needed to make such successor rate comparable to the Initial Base Rate,
in each case, in a manner that is consistent with industry- accepted practices for the use of such successor rate (the &#147;Adjustments&#148;). If the Company, in its sole discretion, does not designate a Designee or if the Designee determines that
there is no industry-accepted successor rate to the Initial Base Rate, then the Five-Year U.S. Treasury Rate will be 0.424%. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;1, &#147;Business Day&#148; means any day that is not a
Saturday, a Sunday, a legal holiday or a day on which banking institutions or trust companies in the City of New York are authorized or obligated by law to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;H.15&#148; means the daily statistical release designated as such, or any successor publication, published by the Federal Reserve or any
successor. The interest rate for this Subordinated Note following the Reset Date will be determined by the Calculation Agent (as defined below), as of the Reset Determination Date. The Calculation Agent&#146;s determination of any interest rate this
Subordinated Note will be final and binding in the absence of manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless this Subordinated Note is redeemed in whole on the
Reset Date, the Company will appoint a calculation agent (the &#147;Calculation Agent&#148;) for this Subordinated Note prior to the Reset Determination Date. The Calculation Agent may be the Company or an affiliate thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. METHOD OF PAYMENT. The Company will pay interest on this Subordinated Note to the Person that is the registered Holder of this Subordinated Note at the
close of business on the Record Date (whether or not a Business Day) next preceding the Interest Payment Date, even if this Subordinated Note is cancelled after such Record Date and on or before such Interest Payment Date, except as provided in
Section&nbsp;307 of the Base Indenture with respect to Defaulted Interest. Notwithstanding the foregoing, the interest payment at Maturity will be payable to the person to whom principal is payable. Payment of interest may be made by check mailed to
the Holders at their addresses set forth in the Security Register of Holders; <I>provided</I> that (a)&nbsp;all payments of principal, premium, if any, and interest on, Subordinated Notes represented by Global Notes registered in the name of or held
by DTC or its nominee will be made by wire transfer of immediately available funds to the accounts specified by the Holder or Holders thereof or as may otherwise be in accordance with the Applicable Procedures of DTC and (b)&nbsp;all payments of
principal, premium, if any, and interest with respect to certificated Subordinated Notes will be made by wire transfer to a U.S. dollar account maintained by the payee with a bank in the United States if such Holder elects payment by wire transfer
by giving written notice to the Trustee or the Paying Agent to such effect designating such account no later than 30 days immediately preceding the relevant due date for payment (or such other date as the Trustee may accept in its discretion). Such
payment shall be in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. PAYING AGENT AND REGISTRAR. Initially, The Bank of New York Mellon, the Trustee under the Subordinated Indenture, will act as Paying Agent and Security
Registrar. The Company may change any Paying Agent or Security Registrar without notice to the Holders. The Company or any of its Subsidiaries may act in any such capacity. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. SUBORDINATED INDENTURE. The Company issued the Subordinated Notes under a Subordinated Indenture, dated
as of September&nbsp;28, 2012 (the &#147;Base Indenture&#148;), as amended and supplemented by an Fourteenth Supplemental Indenture, dated as of February&nbsp;11, 2021 (the &#147;Fourteenth Supplemental Indenture,&#148; and the Base Indenture, as
amended and supplemented, including by the Fourteenth Supplemental Indenture, the &#147;Subordinated Indenture&#148;), each between the Company and the Trustee. This Subordinated Note is one of a duly authorized issue of Subordinated Debt Securities
of the Company designated as its &#147;4.350% Fixed Rate Reset Subordinated Notes due 2031&#148;. To the extent any provision of this Subordinated Note conflicts with the express provisions of the Subordinated Indenture, the provisions of the
Subordinated Indenture shall govern and be controlling. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. REDEMPTION. Except as described below, the Subordinated Notes shall not be redeemable at the
Company&#146;s option: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Optional Redemption</I>. The Company may, at its option, redeem the Subordinated Notes, (i)&nbsp;in whole
but not in part, on the Reset Date; (ii)&nbsp;in whole or in part, at any time and from time to time on or after November&nbsp;13, 2030; or (iii)&nbsp;in whole but not in part, at any time within 90 days following a Regulatory Capital Treatment
Event. Any such redemption of the Subordinated Notes shall be subject to the Company obtaining the prior approval of the Appropriate Federal Banking Agency, if then required under capital rules applicable to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Redemption Price</I>. In the case of any redemption of the Subordinated Notes, the redemption price shall be equal to 100% of the
Outstanding principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest thereon to, but excluding, the Redemption Date (the &#147;Redemption Price&#148;). If the Redemption Price in respect of the Subordinated
Notes is not paid on the Redemption Date, interest on the Outstanding principal amount of the Subordinated Notes will continue to accrue until the Redemption Price is actually paid or set aside for payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Redemption Procedures</I>. Except as modified by Section&nbsp;203 of the Fourteenth Supplemental Indenture, any redemption of the
Subordinated Notes under Section&nbsp;203 of the Fourteenth Supplemental Indenture is subject to the terms and conditions of Article XIII of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">6. MANDATORY REDEMPTION, SINKING FUND. The Company shall not be required to make mandatory redemption or sinking fund payments with respect to the
Subordinated Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">7. DEFEASANCE. The Subordinated Notes will be subject to defeasance and covenant defeasance pursuant to Article XIV of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">8. DENOMINATIONS, TRANSFER, EXCHANGE. The Subordinated Notes are in registered form without coupons in a minimum denomination of $2,000 and
authorized denominations of any integral multiples of $1,000 in excess thereof. The transfer of Subordinated Notes may be registered and Subordinated Notes may be exchanged as provided in the Subordinated Indenture. The Security Registrar and the
Trustee may require a Holder, among other things, to furnish appropriate endorsements and transfer documents and the Company may require a Holder to pay any taxes and fees required by law or permitted by the Subordinated Indenture. The Company need
not exchange or register the transfer of any Subordinated Note or portion of a Subordinated Note selected for redemption. Also, the Company need not exchange of register the transfer of any Subordinated Notes for a period of 15 days before a
selection of Subordinated Notes to be redeemed. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">9. PERSONS DEEMED OWNERS. The registered Holder of a Subordinated Note may be treated as its owner for all
purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">10. AMENDMENT, SUPPLEMENT AND WAIVER. The Subordinated Indenture or the Subordinated Notes may be amended or supplemented as provided in the
Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11. DEFAULTS AND REMEDIES. The only Events of Default with respect to the Subordinated Notes are set forth in Article V of the
Base Indenture. If an Event of Default with respect to the Subordinated Notes occurs, the principal of all Outstanding Subordinated Notes and any accrued and unpaid interest thereon shall become due and payable immediately without any further action
on the part of the Trustee or the Holders. Holders may not enforce the Subordinated Indenture or the Subordinated Notes except as provided in the Subordinated Indenture. Subject to certain limitations, Holders of not less than a majority in
principal amount of the Outstanding Subordinated Notes may direct the Trustee in its exercise of any trust or power. The Trustee may withhold from Holders of the Subordinated Notes notice of any default under the Subordinated Indenture (except a
default relating to the payment of principal of, premium, if any, or interest on the Subordinated Notes) if it determines that withholding notice is in their interest. The Holders of not less than a majority in principal amount of the Outstanding
Subordinated Notes may on behalf of the Holders of all of the Subordinated Notes waive any past default or its consequences under the Subordinated Indenture, except a default in payment of the principal of, premium, if any, or interest on, any of
the Subordinated Notes. The Company is required to deliver to the Trustee annually a statement regarding compliance with the Subordinated Indenture, and the Company is required to give prompt written notice to the Trustee of any insolvency,
bankruptcy, receivership, conservatorship, reorganization, readjustment of debt, marshaling of assets and liabilities or similar proceedings or any liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> or relating to the
Company as a whole, whether voluntary or involuntary, or of any default with respect to any Senior Indebtedness that would prevent the Trustee from making any payment in respect of the Subordinated Notes under Section&nbsp;1501 of the Base
Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12. AUTHENTICATION. This Subordinated Note shall not be entitled to any benefit under the Subordinated Indenture or be valid or obligatory for
any purpose until authenticated by the Trustee in accordance with the Subordinated Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">13. GOVERNING LAW. THE SUBORDINATED INDENTURE AND THIS
SUBORDINATED NOTE SHALL BE DEEMED TO BE CONTRACTS MADE AND TO BE PERFORMED ENTIRELY IN THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE WITHOUT REGARD TO THE CONFLICTS OF LAW
RULES OF SAID STATE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">14. CUSIP NUMBERS AND ISIN. Pursuant to a recommendation promulgated by the Committee on Uniform Security Identification Procedures,
the Company has caused CUSIP numbers and ISINs to be printed on the Subordinated Notes and the Trustee may use CUSIP numbers and ISINs in notices of redemption as a convenience to Holders. No representation is made as to the accuracy of such numbers
either as printed on the Subordinated Notes or as contained in any notice of redemption and reliance may be placed only on the other identification numbers placed thereon. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company will furnish to any Holder upon written request and without charge a copy of the Subordinated
Indenture. Requests may be made to the Company at the following address: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">600 Washington Boulevard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Stamford, CT 06901 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax No.: <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">203-900-6758</FONT></FONT> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Robin S. Elkowitz </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ASSIGNMENT FORM </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To assign this Subordinated Note, fill in the form below: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s legal name)
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s social security or tax I.D. no.) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Print or type assignee&#146;s name,
address and zip code) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and irrevocably appoint __________________________________________________________ to transfer this Subordinated Note on the books
of the Company. The agent may substitute another to act for him. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: ______________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="right">Your Signature:</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">(Please sign exactly as your name appears on the face of this Subordinated Note)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: _____________________________________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Trustee). </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE OF EXCHANGES OF INTERESTS IN THE GLOBAL NOTE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The initial Outstanding principal amount of this Global Note is $60,547,000. The following exchanges of a part of this Global Note for an interest in another
Global Note or for a Definitive Note, or exchanges of a part of another Global or Definitive Note for an interest in this Global Note, have been made: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="24%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Date of<BR>Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>decrease in<BR>Principal<BR>Amount of this<BR>Global
Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of<BR>increase in<BR>Principal<BR>Amount of this<BR>Global
Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount&nbsp;of&nbsp;this</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global&nbsp;Note</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">following&nbsp;such</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease&nbsp;or</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature&nbsp;of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">authorized<BR>officer&nbsp;of&nbsp;Trustee</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">or&nbsp;Custodian</P></TD></TR></TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.8
<SEQUENCE>8
<FILENAME>d122408dex48.htm
<DESCRIPTION>EX-4.8
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.8</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 4.8 </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CITIZEN FINANCIAL GROUP, INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4.300% Fixed Rate Reset Subordinated Notes due&nbsp;2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REGISTRATION RIGHTS AGREEMENT </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">February&nbsp;11, 2021 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Credit Suisse Securities
(USA) LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(the &#147;Lead Dealer Manager&#148;) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Barclays
Capital Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BofA Securities, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Capital
Markets, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(the <FONT STYLE="white-space:nowrap">&#147;Co-Dealer</FONT> Managers&#148; and, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">together with the Lead Dealer Manager, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">the &#147;Dealer
Managers&#148;) </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o Credit Suisse Securities (USA) LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Eleven Madison Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York <FONT
STYLE="white-space:nowrap">10010-3629</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), proposes to issue its 4.300% Fixed Rate Reset Subordinated
Notes due&nbsp;2031 (the &#147;New Notes&#148;) in connection with its offers to exchange for New Notes and, solely with respect to the 4.300% Subordinated Notes due 2025, an additional cash payment (such offers, the &#147;Exchange Offers&#148;),
the Company&#146;s outstanding&nbsp;4.300% Subordinated Notes due 2025, 4.150% Subordinated Notes due 2022 and 4.023% Subordinated Notes due 2024 (collectively, the &#147;Old Notes&#148;), upon the terms set forth in the Dealer Manager Agreement,
dated as of January&nbsp;12, 2021 (the &#147;Dealer Manager Agreement&#148;), between the Company and you as the dealer managers (the &#147;Dealer Managers&#148;), relating to the Exchange Offers for the Old Notes. The New Notes are to be issued
under the Subordinated Indenture dated as of September&nbsp;28, 2012 (the &#147;Base Indenture), between the Company (as successor to RBS Citizens Financial Group, Inc.) and The Bank of New York Mellon (the &#147;Trustee&#148;), as supplemented by
the Twelfth Supplemental Indenture dated as of the date hereof (the &#147;Supplemental Indenture&#148; and, together with the Base Indenture, the &#147;Indenture&#148;). To induce the Dealer Managers to enter into the Dealer Manager Agreement and to
satisfy a condition to your obligations thereunder, the Company agrees with you for your benefit and the benefit of the holders (each a &#147;Holder&#148; and, collectively, the &#147;Holders&#148;) from time to time of the New Notes or the Exchange
Notes (as hereinafter defined), as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>1.</B> <B>Definitions</B>. Capitalized terms used herein without definition shall have
their respective meanings set forth in the Dealer Manager Agreement. As used in this Agreement, the following capitalized defined terms shall have the following meanings: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Act</B>&#148; shall mean the Securities Act of&nbsp;1933, as amended, and the rules and regulations of the Commission promulgated
thereunder. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Affiliate</B>&#148; of any specified person shall mean any other person that,
directly or indirectly, is in control of, is controlled by, or is under common control with, such specified person. For purposes of this definition, control of a person shall mean the power, direct or indirect, to direct or cause the direction of
the management and policies of such person whether by contract or otherwise; and the terms &#147;controlling&#148; and &#147;controlled&#148; shall have meanings correlative to the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Broker-Dealer</B>&#148; shall mean any broker or dealer registered as such under the Exchange Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Business Day</B>&#148; shall mean any day other than a Saturday, a Sunday or a legal holiday or a day on which commercial banks are
authorized or required by law, regulation or executive order to close in New York City, New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Commission</B>&#148; shall
mean the Securities and Exchange Commission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Company</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Company Indemnitee</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;6(b)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Dealer Manager Agreement</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Dealer Managers</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>DTC</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;2(c)(i)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Act</B>&#148; shall mean the Securities Exchange Act of&nbsp;1934, as amended, and the rules and regulations of the
Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Notes</B>&#148; shall mean debt securities of the Company identical in all material
respects to the New Notes (except that the transfer restrictions shall be modified or eliminated, as appropriate) and to be issued under the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offers</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer Registration Period</B>&#148; shall mean <FONT STYLE="white-space:nowrap">the&nbsp;90-day</FONT> period following the
effectiveness of the Exchange Offer Registration Statement, exclusive of any period during which any stop order shall be in effect suspending the effectiveness of the Exchange Offer Registration Statement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer Registration Statement</B>&#148; shall mean a registration statement of the Company on an appropriate form under the
Act with respect to the Registered Exchange Offer, all amendments and supplements to such registration statement, including post-effective amendments thereto, in each case including the Prospectus contained therein, all exhibits thereto and all
material incorporated by reference therein. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchanging Dealer</B>&#148; shall mean any Holder (which may include any Dealer
Manager) that is a Broker-Dealer that acquired Exchange Notes in the Registered Exchange Offer in exchange for New Notes that it acquired for its own account as a result of market-making activities or other trading activities (but not directly from
the Company or any Affiliate of the Company). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Holder</B>&#148; and &#147;<B>Holders</B>&#148; shall have the meanings set forth
in the preamble hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Holders&#146; Information</B>&#148; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3(b)(iii)</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Indemnified Holder</B>&#148; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;6(a)</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Indenture</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer FWP</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;6(a)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>New Notes</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Old Notes</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Prospectus</B>&#148; shall mean the prospectus included in any Registration Statement&nbsp;(including, without limitation, a
prospectus that discloses information previously omitted from a prospectus filed as part of an effective registration statement in reliance upon Rule&nbsp;430A under the Act), as amended or supplemented by any prospectus supplement, with respect to
the terms of the offering of any portion of the New Notes or the Exchange Notes covered by such Registration Statement, and all amendments and supplements thereto, including all exhibits thereto and all material incorporated by reference therein.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Registered Exchange Offer</B>&#148; shall mean the proposed offer of the Company to issue and deliver to the Holders of the New
Notes that are not prohibited by any law or policy of the Commission from participating in such offer, in exchange for the New Notes, a like aggregate principal amount of the Exchange Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Registration Statement</B>&#148; shall mean any Exchange Offer Registration Statement or Shelf Registration Statement that covers any
of the New Notes or the Exchange Notes pursuant to the provisions of this Agreement, any amendments and supplements to such registration statement, including post-effective amendments (in each case including the Prospectus contained therein), all
exhibits thereto and all material incorporated by reference therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Settlement Date</B>&#148; shall mean the date on which the
Exchange Offers have been consummated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration</B>&#148; shall mean a registration under the Act effected pursuant to
<U>Section</U><U></U><U>&nbsp;3</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration Period</B>&#148; has the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3(b)(ii)</U> hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration Statement</B>&#148; shall mean a &#147;shelf&#146; registration
statement of the Company pursuant to the provisions of <U>Section</U><U></U><U>&nbsp;3</U> hereof which covers some or all of the New Notes, on an appropriate form under Rule&nbsp;415 under the Act, or any similar rule that may be adopted by the
Commission, amendments and supplements to such registration statement, including post-effective amendments and the Prospectus contained therein, all exhibits thereto and all material incorporated by reference therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Transfer-Restricted Securities</B>&#148; means each New Note until the earlier to occur of (i)&nbsp;the date on which such New Note
has been exchanged for a freely transferable applicable Exchange Note in the Registered Exchange Offer, (ii)&nbsp;the date on which it has been effectively registered under the Act and disposed of in accordance with the Shelf Registration Statement
or (iii)&nbsp;the date on which it is sold to the public pursuant to Rule&nbsp;144 (or any similar provision then in force under the Act) under the Act or may be sold by a person that is not an &#147;affiliate&#148; (as defined in Rule&nbsp;144) of
the Company without restriction or limitation pursuant to Rule&nbsp;144 (or any similar provision then in force under the Act). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Trustee</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>2.</B> <B>Registered Exchange Offer</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall use its commercially reasonable efforts to prepare and, not later than&nbsp;230&nbsp;days following the
Settlement Date, file with the Commission the Exchange Offer Registration Statement with respect to the Registered Exchange Offer. The Company shall use its commercially reasonable efforts to (i)&nbsp;cause the Exchange Offer Registration Statement
to become effective under the Act within&nbsp;320&nbsp;days of the Settlement Date and (ii)&nbsp;complete the Registered Exchange Offer within&nbsp;365&nbsp;days of the Settlement Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Upon the effectiveness of the Exchange Offer Registration Statement, the Company shall promptly commence the Registered
Exchange Offer, it being the objective of such Registered Exchange Offer to enable each Holder electing to exchange New Notes for Exchange Notes (provided that such Holder is not an Affiliate of the Company or is an Affiliate that complies with the
registration and prospectus delivery requirements of the Act to the extent applicable in connection with the resale of the Exchange Notes, acquires the Exchange Notes in the ordinary course of such Holder&#146;s business, has no arrangements or
understandings with any person to participate in the distribution (within the meaning of the Act) of the Exchange Notes and is not prohibited by any law, rule or policy of the Commission from participating in the Registered Exchange Offer) to trade
such Exchange Notes without any limitations or restrictions under the Act and without material restrictions under the securities laws of a substantial proportion of the several states of the United States. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) In connection with the Registered Exchange Offer, the Company shall:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">deliver or otherwise make available to each Holder a copy of the Prospectus forming part of the Exchange Offer
Registration Statement, together with an appropriate letter of transmittal or similar documentation and related documents, provided, however, Holders will be deemed to have received the documents referred to above upon delivery of such documents to
The Depository Trust Company (&#147;DTC&#148;) for distribution to its participants; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">keep the Registered Exchange Offer open for not less than 20 Business Days and not more than 30 Business Days
after the date on which notice thereof is delivered to the Holders (or, in each case, longer if required by applicable law); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">use its commercially reasonable efforts to keep the Exchange Offer Registration Statement continuously
effective under the Act, supplemented and amended as required under the Act to ensure that it is available for sales of Exchange Notes by Exchanging Dealers during the Exchange Offer Registration Period; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">utilize the services of a depositary for the Registered Exchange Offer with an address in the Borough of
Manhattan in New York City, which may be the Trustee or an Affiliate of the Trustee; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">permit Holders to withdraw tendered New Notes at any time prior to 5:00 p.m. (New York City time), on the last
Business Day on which the Registered Exchange Offer is open; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(vi)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">either (x)&nbsp;in the Exchange Offer Registration Statement or (y)&nbsp;prior to effectiveness of the Exchange
Offer Registration Statement, in a supplemental letter to the Commission, (A)&nbsp;state that the Company is conducting the Registered Exchange Offer in reliance on the position of the Commission in the Exxon Capital Holdings Corporation (pub.
avail. May&nbsp;13, 1988), Morgan Stanley&nbsp;&amp; Co., Inc. (pub. avail. June&nbsp;5, 1991) and Shearman&nbsp;&amp; Sterling LLP (pub. avail. July&nbsp;2, 1993) <FONT STYLE="white-space:nowrap">no-action</FONT> letters, and (B)&nbsp;include a
representation that the Company has not entered into any arrangement or understanding with any person to distribute the Exchange Notes to be received in the Registered Exchange Offer following completion of the Registered Exchange Offer and that, to
the Company&#146;s information and belief, each Holder participating in the Registered Exchange Offer is acquiring the Exchange Notes in its ordinary course of business and has no arrangement or understanding with any person to participate in the
distribution of the Exchange Notes; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(vii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">comply in all respects with all other applicable law. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) As soon as practicable after the close of the Registered Exchange Offer,
the Company shall: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">accept for exchange all New Notes validly tendered and not validly withdrawn pursuant to the Registered
Exchange Offer; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">deliver to the Trustee for cancellation in accordance with <U>Section</U><U></U><U>&nbsp;4(n)</U> all New Notes
so accepted for exchange; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">cause the Trustee promptly to authenticate and deliver to each Holder of New Notes a principal amount of
Exchange Notes equal to the principal amount of the New Notes of such Holder that the Company has accepted for exchange. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Each Holder is hereby deemed to acknowledge and agree that any Broker-Dealer and any such Holder using the Registered
Exchange Offer to participate in a distribution of the Exchange Notes (x)&nbsp;could not under Commission policy as in effect on the date of this Agreement rely on the position of the Commission in the Exxon Capital Holdings Corporation (pub. avail.
May&nbsp;13, 1988) and Morgan Stanley&nbsp;&amp; Co., Inc. (pub. avail. June&nbsp;5, 1991) <FONT STYLE="white-space:nowrap">no-action</FONT> letters, as interpreted in the Commission&#146;s letter to Shearman&nbsp;&amp; Sterling LLP (pub. avail.
July&nbsp;2, 1993) and similar <FONT STYLE="white-space:nowrap">no-action</FONT> letters, and (y)&nbsp;must comply with the registration and prospectus delivery requirements of the Act in connection with any secondary resale transaction, and any
secondary resale transactions by such Holder must be covered by an effective registration statement containing the selling security holder and plan of distribution information required by Item&nbsp;507 or&nbsp;508, as applicable, of <FONT
STYLE="white-space:nowrap">Regulation&nbsp;S-K</FONT> under the Act if the resales are of Exchange Notes obtained by such Holder in exchange for New Notes acquired by such Holder directly from the Company or one of its Affiliates. Accordingly, each
Holder participating in the Registered Exchange Offer shall be required to provide a written representation to the Company that, at the time of the consummation of the Registered Exchange Offer: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any Exchange Notes received by such Holder will be acquired in the ordinary course of such Holder&#146;s
business; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not engaged in, and does not intend to engage in, and will have no arrangement or understanding
with any person to participate in the distribution of the New Notes or the Exchange Notes within the meaning of the Act; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not an Affiliate of the Company or, if such Holder is an Affiliate, such Holder will comply with
the registration and prospectus delivery requirements of the Act to the extent applicable in connection with the resale of the Exchange Notes; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not prohibited by any law, rule or policy of the Commission from participating in the Registered
Exchange Offer. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Notwithstanding any other provisions hereof, the Company will ensure
that (i)&nbsp;any Exchange Offer Registration Statement and any amendment thereto and any Prospectus forming part thereof and any supplement thereto complies in all material respects with the Act and the rules and regulations of the Commission
thereunder, (ii)&nbsp;any Exchange Offer Registration Statement and any amendment thereto does not, when it becomes effective, contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary
to make the statements therein not misleading and (iii)&nbsp;any Prospectus forming part of any Exchange Offer Registration Statement, and any supplement to such Prospectus, does not, as of the consummation of the Registered Exchange Offer, include
an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>3.</B> <B>Shelf Registration</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If the New Notes held by <FONT STYLE="white-space:nowrap">non-Affiliates</FONT> of the Company are not freely tradable
pursuant to Rule&nbsp;144 of the Act and the applicable interpretations of the Commission and: (i)&nbsp;due to any change in law or in applicable interpretations thereof by the staff of the Commission, the Company determines upon the advice of
outside counsel that it is not permitted to effect the Registered Exchange Offer as contemplated by <U>Section</U><U></U><U>&nbsp;2</U> hereof; (ii)&nbsp;any Holder of New Notes notifies the Company in writing not more than&nbsp;20&nbsp;days after
completion of the Registered Exchange Offer that it is not eligible to participate in the Registered Exchange Offer (other than due to its status as an Affiliate of the Company or as a Broker-Dealer); or (iii)&nbsp;for any other reason, the
Registered Exchange Offer is not consummated within&nbsp;365&nbsp;days after the Settlement Date; then the Company shall use its commercially reasonable efforts to effect a Shelf Registration Statement in accordance with subsection&nbsp;(b) below.
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(b)&nbsp;(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall, as promptly as practicable (but in no event more than 60 days after the Company is so
required pursuant to <U>Section</U><U></U><U>&nbsp;3(a))</U>, file with the Commission, and thereafter shall use its commercially reasonable efforts to cause to be declared effective under the Act within&nbsp;150&nbsp;days after the Company is so
required pursuant to <U>Section</U><U></U><U>&nbsp;3(a)</U>, a Shelf Registration Statement covering resales of the New Notes by the Holders thereof from time to time in accordance with the methods of distribution elected by such Holders and set
forth in such Shelf Registration Statement; provided, however, that no Holder shall be entitled to have the New Notes held by it covered by such Shelf Registration Statement unless such Holder agrees in writing to be bound by all of the provisions
of this Agreement applicable to such Holder; and provided further that with respect to a Shelf Registration Statement required pursuant to <U>Section</U><U></U><U>&nbsp;3(a)(iii)</U>, the consummation of a Registered Exchange Offer shall relieve the
Company of its obligations under this <U>Section</U><U></U><U>&nbsp;3(b)</U> but only in respect of its obligations under <U>Section</U><U></U><U>&nbsp;3(a)(iii)</U>. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall use its commercially reasonable efforts to keep the Shelf Registration Statement continuously
effective, supplemented and amended as required by the Act, in order to permit the Prospectus forming part thereof to be usable by Holders until the earlier of the date that is two years after the Settlement Date or the date that all New Notes
registered for resale under the Shelf Registration Statement&nbsp;(A) have been sold pursuant to the Shelf Registration Statement or (B)&nbsp;are freely tradable by <FONT STYLE="white-space:nowrap">non-Affiliates</FONT> of the Company pursuant to
Rule&nbsp;144 of the Act (and applicable interpretations thereof by the Commission&#146;s staff) (in any such case, such period being called the &#147;Shelf Registration Period&#148;). The Company shall be deemed not to have used its commercially
reasonable efforts to keep the Shelf Registration Statement effective during the Shelf Registration Period if it voluntarily takes any action that would result in Holders of New Notes registered for resale thereby not being able to offer and sell
such New Notes during that period, unless (A)&nbsp;such action is required by applicable law or (B)&nbsp;such action is taken by the Company in good faith and for, in the Company&#146;s good faith judgment, valid business reasons (not including
avoidance of the Company&#146;s obligations hereunder), including, without limitation, the acquisition or divestiture of assets, so long as the Company promptly thereafter complies with the requirements of <U>Section</U><U></U><U>&nbsp;4(i)</U>
hereof, if applicable. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Notwithstanding any other provisions hereof, the Company will ensure that (A)&nbsp;any Shelf Registration
Statement and any amendment thereto and any Prospectus forming part thereof and any supplement thereto complies in all material respects with the Act and the rules and regulations of the Commission thereunder, (B)&nbsp;any Shelf Registration
Statement and any amendment thereto (in either case, other than with respect to information included therein in reliance upon or in conformity with written information furnished to the Company by or on behalf of any Holder of Transfer-Restricted
Securities specifically for use therein (the &#147;Holders&#146; Information&#148;) does not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein
not misleading and (C)&nbsp;any Prospectus forming part of any Shelf Registration Statement, and any supplement to such prospectus (in either case, other than with respect to Holders&#146; Information), does not include an untrue statement of a
material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>4.</B> <B>Additional Registration Procedures</B>. In connection with any Shelf
Registration Statement and, to the extent applicable, any Exchange Offer Registration Statement, the following provisions shall apply: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">furnish to counsel for the Dealer Managers, prior to the filing thereof with the Commission, a copy of any
Exchange Offer Registration Statement and any Shelf Registration Statement, and each amendment thereof, and each supplement, if any, to the Prospectus included therein (excluding all documents incorporated by reference therein after the initial
filing); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">include the information set forth (A)&nbsp;in <U>Annex</U><U></U><U>&nbsp;A</U> hereto on the cover of the
Prospectus contained in the Exchange Offer Registration Statement, (B)&nbsp;in <U>Annex</U><U></U><U>&nbsp;B</U> hereto in a section of the Prospectus setting forth details of the Registered Exchange Offer, (C)&nbsp;in
<U>Annex</U><U></U><U>&nbsp;C</U> hereto in the underwriting or plan of distribution section of such Prospectus, and (D)&nbsp;in <U>Annex</U><U></U><U>&nbsp;D</U> hereto in the letter of transmittal or similar documentation delivered pursuant to the
Registered Exchange Offer; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">in the case of a Shelf Registration Statement, include the information regarding the Holders that propose to
sell New Notes pursuant to the Shelf Registration Statement as selling security holders to the extent required by Item 507 of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> (or, if permitted by Commission Rule 430B(b), in a Prospectus
supplement that becomes a part thereof pursuant to Commission Rule&nbsp;430B(f)); provided that, notwithstanding anything in this Agreement to the contrary, the Company shall not be required to amend or supplement a Shelf Registration Statement or
any Prospectus forming a part thereof after such Shelf Registration Statement has been declared effective by the Commission more than once per calendar month to reflect additional Holders or changes in the number of New Notes to be sold by any
Holder. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company shall advise counsel for the Dealer Managers or the Holders of New Notes covered
by any Shelf Registration Statement and any Exchanging Dealer under any Exchange Offer Registration Statement that has provided in writing to the Company a telephone or facsimile number and address for notices, and, if requested by any such person,
shall confirm such advice in writing (which notice pursuant to clauses&nbsp;(ii)-(v) below shall be accompanied by an instruction to suspend the use of the Prospectus until the Company shall have remedied the basis for such suspension): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">when a Registration Statement and any amendment thereto has been filed with the Commission and when such
Registration Statement or any post-effective amendment thereto has become effective; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of any request by the Commission after the effective date of such Registration Statement for any amendment or
supplement to a Registration Statement or the Prospectus or for additional information in connection with the Registration Statement; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the issuance by the Commission of any stop order suspending the effectiveness of a Registration Statement or
the initiation of any proceedings for that purpose; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the receipt by the Company of any notification with respect to the suspension of the qualification of the
securities included in any Registration Statement for sale in any jurisdiction or the initiation of any proceeding for such purpose; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the happening of any event that requires any change in a Registration Statement or the Prospectus so that,
as of such date, the statements therein do not contain any untrue statement of a material fact and do not omit to state a material fact required to be stated therein or necessary to make the statements therein (in the case of the Prospectus, in the
light of the circumstances under which they were made) not misleading provided that the Company shall not be required to disclose the reasons for such change. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Upon receiving notice of the occurrence of any of the events listed in subsections&nbsp;(ii) through (v)&nbsp;of this
<U>Section</U><U></U><U>&nbsp;4(b)</U>, each Holder and any Exchanging Dealer will, upon request by the Company in writing, immediately discontinue disposition of New Notes or Exchange Notes pursuant to a Registration Statement until such
Holder&#146;s or Exchanging Dealer&#146;s receipt of copies of the supplemented or amended Prospectus contemplated by <U>Section</U><U></U><U>&nbsp;4(i)</U> or until it is advised in writing by the Company that use of the applicable Prospectus may
resume, and, if so directed by the Company, such Holder or Exchanging Dealer will deliver to the Company (at the Company&#146;s expense) all copies in such Holder&#146;s or Exchanging Dealer&#146;s possession, other than permanent file copies, of
the Prospectus covering such New Notes or Exchange Notes that was current at the time of receipt of such notice. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The
Company shall use its commercially reasonable efforts to prevent the issuance and, if issued, to obtain the withdrawal at the earliest practicable time of any order suspending the effectiveness of any Registration Statement or the qualification of
the securities therein for sale in any jurisdiction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Prior to the effective date of any Registration Statement, the
Company will use its commercially reasonable efforts to register or qualify, or cooperate with the Holders of New Notes or Exchange Notes included therein and their respective counsel in connection with the registration or qualification of, such New
Notes or Exchange Notes for offer and sale under the securities or blue sky laws of such jurisdictions as any such Holder reasonably requests in writing and do any and all other acts or things necessary or advisable to enable the offer and sale in
such jurisdictions of the New Notes or Exchange Notes covered by such Registration Statement; provided that, the Company will not be required to qualify as a broker-dealer or generally to do business in any jurisdiction where it is not then so
qualified or to take any action which would subject it to general service of process or to taxation in any such jurisdiction where it is not then so subject. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company shall furnish to each Holder of New Notes covered by any
Shelf Registration Statement, without charge and upon request in writing, at least one conformed copy of such Shelf Registration Statement and any post-effective amendment thereto, and, if the Holder so requests in writing, all material incorporated
therein by reference and all exhibits thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The Company shall, during the Shelf Registration Period, promptly
deliver to each Holder of New Notes covered by any Shelf Registration Statement, without charge, as many copies of the Prospectus (including each preliminary Prospectus) included in such Shelf Registration Statement and any amendment or supplement
thereto as such person may reasonably request. The Company consents to the use of the Prospectus or any amendment or supplement thereto by each of the foregoing in connection with the offering and sale of the New Notes covered by the Prospectus, or
any amendment or supplement thereto, included in the Shelf Registration Statement in accordance with applicable law and the terms hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) The Company shall furnish to each Exchanging Dealer that so requests, without charge, at least one conformed copy of the
Exchange Offer Registration Statement and any post-effective amendment thereto, and, if the Exchanging Dealer so requests in writing, all material incorporated by reference therein and all exhibits thereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) The Company shall promptly deliver to you, each Exchanging Dealer and each other person required to deliver a prospectus
during the Exchange Offer Registration Period, without charge, as many copies of the final Prospectus included in such Exchange Offer Registration Statement and any amendment or supplement thereto as any such person may reasonably request. The
Company consents to the use of such Prospectus or any amendment or supplement thereto by you, any Exchanging Dealer and any such other person that may be required to deliver a prospectus following the Registered Exchange Offer in connection with the
offering and sale of the Exchange Notes covered by the Prospectus, or any amendment or supplement thereto, included in the Exchange Offer Registration Statement in accordance with applicable law and the terms hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Upon the occurrence of any event contemplated by subsections&nbsp;(ii) through (v)&nbsp;of
<U>Section</U><U></U><U>&nbsp;4(b)</U> hereof during the period for which the Company is required to maintain an effective Registration Statement, the Company shall promptly prepare a post-effective amendment to the applicable Registration Statement
or an amendment or supplement to the related Prospectus or file any other required document so that, as thereafter delivered to the purchasers of the securities covered thereby, the Prospectus will not include an untrue statement of a material fact
or omit to state any material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; provided that, during the Exchange Offer Registration Period or
the Shelf Registration Period, the Company shall not be required to amend or supplement a Registration Statement or Prospectus, in the event that, and for a period not to exceed&nbsp;120&nbsp;days in any
<FONT STYLE="white-space:nowrap">consecutive&nbsp;12-month</FONT> period, the Company determines in good faith that the disclosure of any such event would be materially adverse to the Company or otherwise relates to a pending business transaction
that has not yet been publicly disclosed. In such circumstances, the Exchange Offer </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Registration Period and the Shelf Registration&nbsp;Period shall each be extended by the number of days from and including the date of the giving of a notice of suspension pursuant to
<U>Section</U><U></U><U>&nbsp;4(b)</U> hereof to and including the date the Holders of New Notes and Exchanging Dealers shall have received such amended or supplemented Prospectus pursuant to this <U>Section</U><U></U><U>&nbsp;4(i)</U>. </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(j)&nbsp;(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Not later than the effective date of the Exchange Offer Registration Statement, the Company shall provide a
CUSIP number for the Exchange Notes registered under the Exchange Offer Registration Statement. Not later than the date of the closing of the Exchange Offer, the Company shall provide the Trustee with printed certificates for such Exchange Notes,
free of any restrictive legends, in a form eligible for deposit with DTC. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">On the first Business Day following the effective date of any Shelf Registration Statement hereunder or as soon
as possible thereafter, the Company shall use its reasonable efforts to establish with the Trustee a procedure by which Holders of New Notes that are &#147;restricted securities&#148; within the meaning of Rule 144(a)(3) under the Act may transfer,
upon completion of a sale of New Notes under such Shelf Registration Statement, their interests therein to an &#147;unrestricted&#148; global security free of any stop or restriction on DTC&#146;s system with respect to the New Notes, including the
issuance of an applicable CUSIP number with respect to such unrestricted securities; provided, however that this <U>Section</U><U></U><U>&nbsp;4(j)(ii)</U> shall be applicable only to Holders that are named as selling Holders in the Shelf
Registration Statement and agree in writing to be bound by all of the provisions of this Agreement applicable to such Holder. Upon compliance with the foregoing requirements of this <U>Section</U><U></U><U>&nbsp;4(j)(ii)</U>, the Company shall
provide the Trustee with printed certificates for such New Notes in a form eligible for deposit with DTC. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">In the event
the Company is unable to cause DTC to take the actions described in this <U>Section</U><U></U><U>&nbsp;4(j)</U>, the Company shall take such actions reasonably necessary to provide, as soon as practicable, a CUSIP number, if necessary, for the New
Notes registered and sold under the Shelf Registration Statement and to cause the CUSIP number described in clause&nbsp;(i) or clause&nbsp;(ii) above to be assigned to the New Notes or Exchange Notes, as the case may be (or to the maximum aggregate
principal amount of the New Notes or Exchange Notes, as the case may be, to which such number may be assigned). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) The
Company shall comply with all applicable rules and regulations of the Commission and shall make generally available to its security holders as soon as practicable after the effective date of the applicable Registration Statement an earnings
statement satisfying the provisions of Section&nbsp;11(a) of the Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) The Company may require each Holder of New Notes to be registered
pursuant to any Shelf Registration Statement to furnish to the Company such information regarding the Holder and the distribution of such New Notes as the Company may from time to time reasonably require for inclusion in such Shelf Registration
Statement, and each such Holder shall promptly furnish to the Company any additional information required in order to make the information previously disclosed to the Company under this <U>Section</U><U></U><U>&nbsp;4(l)</U> not misleading. The
Company may exclude from such Shelf Registration Statement the New Notes of any Holder that fails to furnish such information within a reasonable time after receiving such request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) The Company shall, if requested, use its commercially reasonable efforts to incorporate promptly in a Prospectus supplement
or post-effective amendment to a Shelf Registration Statement such information as a Holder of New Notes to be sold pursuant to any Shelf Registration Statement may reasonably provide from time to time to the Company in writing for inclusion in a
Prospectus or any Shelf Registration Statement concerning such Holder and the distribution of such Holder&#146;s New Notes and shall make all required filings of such Prospectus supplement or post-effective amendment as soon as reasonably
practicable after receipt of notification of the matters to be incorporated in such Prospectus supplement or post-effective amendment; provided, however, that notwithstanding anything else in this Agreement to the contrary, the Company shall not be
obligated to make such updates more than once per month. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) If a Registered Exchange Offer is to be consummated, upon
delivery of the New Notes by Holders to the Company (or to such other person as directed by the Company) in exchange for the Exchange Notes, the Company shall mark, or cause to be marked, on the New Notes so exchanged that such New Notes are being
cancelled in exchange for the Exchange Notes. In no event shall the New Notes be marked as paid or otherwise satisfied. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>5.</B>
<B>Registration Expenses</B>. The Company shall bear all expenses incurred in connection with the performance of its obligations under <U>Section</U><U></U><U>&nbsp;2</U>,<U> Section</U><U></U><U>&nbsp;3</U> and <U>Section</U><U></U><U>&nbsp;4</U>
hereof and, in the case of any Exchange Offer Registration Statement, will reimburse the Dealer Managers for the reasonable fees and disbursements of Cleary Gottlieb Steen&nbsp;&amp; Hamilton LLP, acting as counsel to the Dealer Managers in
connection therewith. The Company shall not be responsible for reimbursement of any fees and disbursements of Cleary Gottlieb Steen&nbsp;&amp; Hamilton LLP, acting as counsel to the Dealer Managers, in connection with a Shelf Registration Statement
in an aggregate amount in excess of $5,000. Anything contained herein to the contrary notwithstanding, the Company shall not have any obligation whatsoever in respect of any underwriters&#146; discounts or commissions, brokerage commissions,
dealers&#146; selling concessions, transfer taxes or, except as otherwise expressly set forth herein, any other selling expenses incurred in connection with the underwriting, offering or sale of New Notes or Exchange Notes by or on behalf of any
person. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>6.</B> <B>Indemnification and Contribution</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company agrees to indemnify and hold harmless each Holder of New Notes covered by any Shelf Registration Statement,
each Exchanging Dealer with respect to any Prospectus delivery as contemplated in Section&nbsp;4(h) hereof and each person who controls any such Holder or Exchanging Dealer within the meaning of either Section&nbsp;15 of the Act or Section&nbsp;20
of the Exchange Act, from and against any and all losses, claims, damages and liabilities (including, without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) caused
by any untrue statement or alleged untrue statement of a material fact contained in any Registration Statement or any amendment thereof, any preliminary Prospectus or Prospectus or any amendment or supplement thereto, any &#147;issuer free writing
prospectus&#148; as defined in Rule 433(h) under the Act (an &#147;Issuer FWP&#148;) or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act, or caused by any omission or alleged omission to state
therein a material fact required to be stated therein or necessary to make the statements therein (in the case of a Prospectus, in light of the circumstances under which they were made) not misleading, except insofar as such losses, claims, damages
or liabilities are caused by any such untrue statement or omission or alleged untrue statement or omission based upon information relating to any such Holder or Exchanging Dealer furnished to the Company in writing by such Holder or Exchanging
Dealer expressly for use therein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Holder of New Notes covered by a Shelf Registration Statement and each
Exchanging Dealer with respect to any Prospectus delivery as contemplated in Section&nbsp;4(h) hereof agrees, severally and not jointly, to indemnify and hold harmless the Company, the directors of the Company, the officers of the Company who sign
the Shelf Registration Statement and each person, if any, who controls the Company within the meaning of either Section&nbsp;15 of the Act or Section&nbsp;20 of the Exchange Act from and against any and all losses, claims, damages and liabilities
(including, without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) caused by any untrue statement or alleged untrue statement of a material fact contained in any
Registration Statement or any amendment thereof, any preliminary Prospectus or Prospectus or any amendment or supplement thereto, any Issuer FWP or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act,
or caused by any omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein (in the case of a Prospectus, in light of the circumstances under which they were made) not
misleading, but only with reference to information relating to such Holder or Exchanging Dealer furnished to the Company in writing by such Holder or Exchanging Dealer expressly for use in any Registration Statement or any amendment thereof, any
preliminary Prospectus or Prospectus or any amendment or supplement thereto, any Issuer FWP or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act; provided however that no such Holder or Exchanging
Dealer shall be liable for any losses hereunder in excess of the amount of net proceeds received by such Holder or Exchanging Dealer from the sale of New Notes or Exchange Notes pursuant to such Registration Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) In case any proceeding (including any governmental investigation) shall be instituted involving any person in respect of
which indemnity may be sought pursuant to Section&nbsp;6(a) or 6(b), such person (the &#147;indemnified party&#148;) shall promptly notify the person against whom such indemnity may be sought (the &#147;indemnifying party&#148;) in
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
writing and the indemnifying party shall be entitled to participate in such proceeding and, to the extent that it shall wish, jointly with any other indemnifying party similarly notified, to
assume the defense thereof, with counsel reasonably satisfactory to such indemnified party, and, except as provided in the following sentence, after notice from the indemnifying party to such indemnified party of its election so to assume the
defense thereof, the indemnifying party shall not be liable to such indemnified party under such subsection for any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection
with the defense thereof other than reasonable costs of investigation. In any such proceeding, any indemnified party shall have the right to retain its own counsel, but the fees and expenses of such counsel shall be at the expense of such
indemnified party unless (i)&nbsp;the indemnifying party and the indemnified party shall have mutually agreed to the retention of such counsel, (ii)&nbsp;the named parties to any such proceeding (including any impleaded parties) include both the
indemnifying party and the indemnified party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them, (iii)&nbsp;the indemnifying party has failed within a reasonable
time to retain counsel reasonably satisfactory to the indemnified party or (iv)&nbsp;the indemnified party shall have reasonably concluded there may be legal defenses available to it that are different from or additional to those available to the
indemnifying party. It is understood that the indemnifying party shall not, in respect of the legal expenses of any indemnified party in connection with any proceeding or related proceedings in the same jurisdiction, be liable for the fees and
expenses of more than one separate firm (in addition to any local counsel) for all such indemnified parties, and that all such fees and expenses shall be reimbursed as they are incurred. In the case of any such separate firm for the Holders or
Exchanging Dealers and such control persons and affiliates of any Holders or Exchanging Dealers, such firm shall be designated in writing by a majority of such Holders and Exchanging Dealers. In the case of any such separate firm for the Company,
and such directors, officers and control persons of the Company, such firm shall be designated in writing by the Company. The indemnifying party shall not be liable for any settlement of any proceeding effected without its written consent, but if
settled with such consent or if there be a final judgment for the plaintiff, the indemnifying party agrees to indemnify the indemnified party from and against any loss or liability by reason of such settlement or judgment. Notwithstanding the
foregoing sentence, if at any time an indemnified party shall have requested an indemnifying party to reimburse the indemnified party for fees and expenses of counsel as contemplated by the second and third sentences of this paragraph, the
indemnifying party agrees that it shall be liable for any settlement of any proceeding effected without its written consent if (i)&nbsp;such settlement is entered into more than 60 days after receipt by such indemnifying party of the aforesaid
request and (ii)&nbsp;such indemnifying party shall not have reimbursed the indemnified party in accordance with such request prior to the date of such settlement. No indemnifying party shall, without the prior written consent of the indemnified
party, effect any settlement of any pending or threatened proceeding in respect of which any indemnified party is or could have been a party and indemnity could have been sought hereunder by such indemnified party, unless such settlement
(x)&nbsp;includes an unconditional release of such indemnified party, in form and substance reasonably satisfactory to such indemnified party, from all liability on claims that are the subject matter of such proceeding and (y)&nbsp;does not include
any statement as to or admission of fault, culpability or failure to act by or on behalf of any indemnified party. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) To the extent the indemnification provided for in Section&nbsp;6(a) or
6(b) is unavailable to an indemnified party or insufficient in respect of any losses, claims, damages or liabilities referred to therein, then each indemnifying party under such paragraph, in lieu of indemnifying such indemnified party thereunder,
shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims, damages or liabilities (i)&nbsp;in such proportion as is appropriate to reflect the relative benefits received by the indemnifying party or
parties on the one hand and the indemnified party or parties on the other hand from the exchange of New Notes, pursuant to the Registered Exchange Offer, or (ii)&nbsp;if the allocation provided by clause 6(d)(i) above is not permitted by applicable
law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause 6(d)(i) above but also the relative fault of the indemnifying party or parties on the one hand and of the indemnified party or parties on the
other hand in connection with the statements or omissions that resulted in such losses, claims, damages or liabilities, as well as any other relevant equitable considerations. The relative benefits received by the Company on the one hand and the
Holders or Exchanging Dealers on the other shall be deemed to be in the same respective proportion as is appropriate to reflect the relative benefit received by the Company from the offering of the New Notes, on the one hand, and by the Holders or
Exchanging Dealers from receiving the New Notes registered under the Act, on the other hand, or if the allocation provided by the foregoing clause&nbsp;is not permitted by applicable law, in such proportion as is appropriate to reflect not only the
relative benefits referred to but also the relative fault of the indemnifying party or parties on the one hand and of the indemnified party or parties on the other hand in connection with the statements or omissions that resulted in such losses,
claims, damages or liabilities, as well as any other relevant equitable considerations. The relative fault of the Company on the one hand and the Holders or Exchanging Dealers on the other hand shall be determined by reference to, among other
things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact relates to information supplied by the Company or by such Holder or Exchanging Dealer and the parties&#146;
relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. The Holders and Exchanging Dealer respective obligations to contribute pursuant to this Section&nbsp;6 are several in proportion to
the respective net proceeds received by such Holder or Exchanging Dealer for the sale of the New Notes pursuant to a Registration Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company and the Holders and Exchanging Dealers agree that it would not be just or equitable if contribution pursuant to
this Section&nbsp;6 were determined by pro rata allocation (even if the Holders and Exchanging Dealers were treated as one entity for such purpose) or by any other method of allocation that does not take account of the equitable considerations
referred to in Section&nbsp;6(d). The amount paid or payable by an indemnified party as a result of the losses, claims, damages and liabilities referred to in Section&nbsp;6(d) shall be deemed to include, subject to the limitations set forth above,
any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending any such action or claim. Notwithstanding the provisions </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
of this Section&nbsp;6, no Holder or Exchanging Dealers shall be required to contribute any amount in excess of the amount by which the net proceeds received by such Holder or Exchanging Dealer
for the sale of the New Notes pursuant to a Registration Statement exceeds the amount of any damages that such Holder or Exchanging Dealer has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged
omission. No person guilty of fraudulent misrepresentation (within the meaning of Section&nbsp;11(f) of the Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The remedies provided for in
this Section&nbsp;6 are not exclusive and shall not limit any rights or remedies which may otherwise be available to any indemnified party at law or in equity. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The indemnity and contribution provisions contained in this Section&nbsp;6 and the representations, warranties and other
statements of the Company contained in this Agreement shall remain operative and in full force and effect regardless of (i)&nbsp;any termination of this Agreement, (ii)&nbsp;any investigation made by or on behalf of any Holder or Exchanging Dealer,
any person controlling any Holder or Exchanging Dealer or any affiliate of any Holder or Exchanging Dealer, or the Company, its officers or directors or any person controlling the Company and (iii)&nbsp;acceptance of and payment for any of the New
Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>7.</B> <B>Rule</B><B></B><B>&nbsp;144 and</B><B></B><B>&nbsp;144A</B>. The Company shall, upon request of any Holder of
Transfer-Restricted Securities, make available such information as is required so long as necessary to permit sales of such Holder&#146;s securities pursuant to Rule&nbsp;144A. Upon the written request of any Holder of Transfer-Restricted
Securities, the Company shall deliver to such Holder a written statement as to whether it has complied with such requirements. Notwithstanding the foregoing, nothing in this <U>Section</U><U></U><U>&nbsp;7</U> shall be deemed to require the Company
to register any of its securities pursuant to the Exchange Act, or file reports thereunder, except as may be required by law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>8.</B>
<B>No Inconsistent Agreements</B>. The Company has not, as of the date hereof, entered into, nor shall it on or after the date hereof, enter into, any agreement with respect to any of its securities that is inconsistent with the rights granted to
the Holders herein or that otherwise conflicts with the provisions hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>9.</B> <B>Timing of Obligations</B>. If any of the
Company&#146;s obligations pursuant to <U>Section</U><U></U><U>&nbsp;2</U> or <U>Section</U><U></U><U>&nbsp;3</U> hereof would come due on a day that is not a Business Day, then such obligation shall be due on the next succeeding Business Day. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>10.</B> <B>Amendments and Waivers</B>. The provisions of this Agreement may not be amended, modified or supplemented, and waivers or
consents to departures from the provisions hereof may not be given, in any case as to the New Notes or the Exchange Notes, unless the Company has obtained the written consent of Holders of a majority in aggregate principal amount of the New Notes
and the Exchange Notes that constitute Transfer-Restricted Securities, taken as a single class. In addition, a waiver or consent to depart from the provisions hereof with respect to a matter that relates exclusively to the rights of Holders whose
Transfer-Restricted Securities or Exchange Notes are being sold pursuant to a Registration Statement and that does not directly or indirectly affect the rights of other Holders may be given by Holders of a majority in aggregate principal amount of
such Transfer-Restricted Securities or Exchange Securities, as applicable, being sold by such Holders pursuant to such Registration Statement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>11.</B> <B>Notices</B>. Except as otherwise provided in this Agreement, all notices and
other communications provided for or permitted hereunder shall be made in writing by hand-delivery, first-class mail, telex, telecopier or air courier guaranteeing overnight delivery: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) if to a Holder, at the most current address given by such Holder to the Company in accordance with the provisions of this
<U>Section</U><U></U><U>&nbsp;11</U>, which address initially is, with respect to each Holder, the address of such Holder maintained by the Registrar under the Indenture; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) if to you, initially at the address set forth in the Dealer Manager Agreement; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) if to the Company, initially at the Company&#146;s address set forth in the Dealer Manager Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">All such notices and communications shall be deemed to have been duly given when received. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">So long as the New Notes are in global form registered in the name of DTC, Holders will be deemed to have received any notices referred to
hereunder upon receipt of such notice by DTC for distribution to its participants. Each party hereto by notice to the other parties may designate additional or different addresses of such party for subsequent notices or communications. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>12.</B> <B>Successors</B>. This Agreement shall be binding upon the successors, assigns and transferees of each of the parties, including,
without limitation and without need for an express assignment, subsequent Holders. If any transferee of any Holder shall acquire New Notes or Exchange Notes in any manner, whether by operation of law or otherwise, such Holder shall be deemed to have
agreed to be bound by and subject to all the terms of this Agreement, and by taking and holding such New Notes or Exchange Notes such transferee shall be conclusively deemed to have agreed to be bound by and to perform all of the terms and
provisions of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>13.</B> <B>Electronic Delivery and Counterparts</B>. This Agreement may be signed in counterparts, each
of which shall be deemed an original and all of which together shall constitute one and the same agreement. Delivery of this Agreement by one party to the other may be made by facsimile, electronic mail (including any electronic signature complying
with the New York Electronic Signatures and Records Act (N.Y. State Tech. &#167;&#167; <FONT STYLE="white-space:nowrap">301-309),</FONT> as amended from time to time, or other applicable law) or other transmission method, and the parties hereto
agree that any counterpart so delivered shall be deemed to have been duly and validly delivered and be valid and effective for all purpose </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>14.</B> <B>Headings</B>. The headings used herein are for convenience only and shall not affect the construction hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>15.</B> <B>Applicable Law</B>. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York without regard to principles of conflict of laws to the extent the same are not mandatorily applicable by statute and would permit or require the application of the laws of another jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>16.</B> <B>Severability</B>. In the event that any one or more of the provisions contained herein, or the application thereof in any
circumstances, is held invalid, illegal or unenforceable in any respect for any reason, the validity, legality and enforceability of any such provision in every other respect and of the remaining provisions hereof shall not be in any way impaired or
affected thereby, it being intended that all of the rights and privileges of the parties shall be enforceable to the fullest extent permitted by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>17.</B> <B>Termination</B>. This Agreement and the obligations of the parties hereunder shall terminate upon the expiration of the Shelf
Registration Period, except for any liabilities or obligations under <U>Section</U><U></U><U>&nbsp;5</U> and <U>Section</U><U></U><U>&nbsp;6</U> hereof, each of which shall remain in effect in accordance with its terms. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the foregoing is in accordance with your understanding of our agreement, please sign and
return to us the enclosed duplicate hereof, whereupon this letter and your acceptance shall represent a binding agreement among the Company and the Dealer Managers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Very truly yours, </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Senior Vice President and Assistant Secretary</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CREDIT SUISSE SECURITIES (USA) LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Brian Carlin</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Brian Carlin</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">BARCLAYS CAPITAL INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Pamela Au</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Pamela Au</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Managing Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">BOFA SECURITIES, INC. </TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David Scott</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David Scott</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Managing Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS CAPITAL MARKETS, INC. </TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Michele Goodenough</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Michele Goodenough</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account pursuant to the Registered Exchange Offer must acknowledge that it will
deliver a prospectus in connection with any resale of such Exchange Notes. [The Letter of Transmittal states that by][By] so acknowledging and by delivering a prospectus, a Broker-Dealer will not be deemed to admit that it is an
&#147;underwriter&#148; within the meaning of the Act. This Prospectus, as it may be amended or supplemented from time to time, may be used by a Broker-Dealer in connection with resales of Exchange Notes received in exchange for New Notes where such
New Notes were acquired by such Broker-Dealer as a result of market-making activities or other trading activities. The Company has agreed that, starting on the date the Exchange Offer Registration Statement is declared effective and ending on the
close of business&nbsp;90&nbsp;days after such date, it will make this Prospectus available to any Broker-Dealer for use in connection with any such resale. See &#147;Plan of Distribution.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;B </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account in exchange for New Notes, where such New Notes were acquired by such
Broker-Dealer as a result of market- making activities or other trading activities, must acknowledge that it will deliver a prospectus in connection with any resale of such Exchange Notes. See &#147;Plan of Distribution.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;C </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PLAN OF DISTRIBUTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account pursuant to the Registered Exchange Offer must acknowledge that it will
deliver a prospectus (the &#147;Prospectus&#148;) in connection with any resale of such Exchange Notes. This Prospectus, as it may be amended or supplemented from time to time, may be used by a Broker-Dealer in connection with resales of Exchange
Notes received in exchange for New Notes where such New Notes were acquired as a result of market-making activities or other trading activities. The Company has agreed that, starting on the date the Exchange Offer Registration Statement is declared
effective and ending on the close of business&nbsp;90&nbsp;days after such date, they will make this Prospectus, as amended or supplemented, available to any Broker-Dealer for use in connection with any such resale. In addition, until _________,
20__, all dealers effecting transactions in the Exchange Notes may be required to deliver a prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will not receive any
proceeds from any sale of Exchange Notes by Broker- Dealers. Exchange Notes received by Broker-Dealers for their own account pursuant to the Registered Exchange Offer may be sold from time to time in one or more transactions in the <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">over-the-counter</FONT></FONT> market, in negotiated transactions, through the writing of options on the Exchange Notes or a combination of such methods of resale, at market prices
prevailing at the time of resale, at prices related to such prevailing market prices or negotiated prices. Any such resale may be made directly to purchasers or to or through brokers or dealers who may receive compensation in the form of commissions
or concessions from any such Broker-Dealer or the purchasers of any such Exchange Notes. Any Broker-Dealer that resells Exchange Notes that were received by it for its own account pursuant to the Registered Exchange Offer and any broker or dealer
that participates in a distribution of such Exchange Notes may be deemed to be an &#147;underwriter&#148; within the meaning of the Act and any profit of any such resale of Exchange Notes and any commissions or concessions received by any such
persons may be deemed to be underwriting compensation under the Act. [The Letter of Transmittal states that by][By] acknowledging that it will deliver and by delivering a prospectus, a Broker-Dealer will not be deemed to admit that it is an
&#147;underwriter&#148; within the meaning of the Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For a period of&nbsp;90&nbsp;days after the date the Exchange Offer Registration
Statement is declared effective, the Company shall promptly send additional copies of this Prospectus and any amendment or supplement to this Prospectus to any Broker-Dealer that requests such documents [in the Letter of Transmittal]. The Company
has agreed to pay all expenses incident to the Registered Exchange Offer other than commissions or concessions of any brokers or dealers and will indemnify the holders of the New Notes (including any Broker-Dealers) against certain liabilities,
including liabilities under the Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">[If applicable, add information required by Items&nbsp;507 and&nbsp;508 of <FONT
STYLE="white-space:nowrap">Regulation&nbsp;S-K.]</FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;D </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Rider A </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">CHECK HERE IF YOU ARE A BROKER-DEALER WHO HOLDS NEW NOTES ACQUIRED AS A RESULT OF MARKET MAKING OR OTHER
TRADING ACTIVITIES AND WISH TO RECEIVE&nbsp;10 ADDITIONAL COPIES OF THE PROSPECTUS AND&nbsp;10 COPIES OF ANY AMENDMENTS OR SUPPLEMENTS THERETO FOR USE IN CONNECTION WITH RESALES OF EXCHANGE NOTES RECEIVED IN EXCHANGE FOR SUCH NEW NOTES.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="15%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="84%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; font-size:10pt; font-family:Times New Roman">Address:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Rider B </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the undersigned is
not a Broker-Dealer, the undersigned represents that it acquired the Exchange Notes in the ordinary course of its business, it is not engaged in, and does not intend to engage in, a distribution of Exchange Notes and it has no arrangements or
understandings with any person to participate in a distribution of the Exchange Notes. If the undersigned is a Broker- Dealer that will receive Exchange Notes for its own account in exchange for New Notes, it represents that the New Notes to be
exchanged for Exchange Notes were acquired by it as a result of market-making activities or other trading activities and acknowledges that it will deliver a prospectus in connection with any resale of such Exchange Notes; however, by so
acknowledging and by delivering a prospectus, the undersigned will not be deemed to admit that it is an &#147;underwriter&#148; within the meaning of the Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.9
<SEQUENCE>9
<FILENAME>d122408dex49.htm
<DESCRIPTION>EX-4.9
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.9</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 4.9 </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CITIZEN FINANCIAL GROUP, INC. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3.750% Fixed Rate Reset Subordinated Notes due&nbsp;2031 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REGISTRATION RIGHTS AGREEMENT </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">February&nbsp;11, 2021 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Credit Suisse Securities
(USA) LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(the &#147;Lead Dealer Manager&#148;) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Barclays
Capital Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BofA Securities, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Capital
Markets, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(the <FONT STYLE="white-space:nowrap">&#147;Co-Dealer</FONT> Managers&#148; and, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">together with the Lead Dealer Manager, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">the &#147;Dealer
Managers&#148;) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o Credit Suisse Securities (USA) </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LLC
Eleven Madison Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York <FONT STYLE="white-space:nowrap">10010-3629</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group,
Inc., a Delaware corporation (the &#147;Company&#148;), proposes to issue its 3.750% Fixed Rate Reset Subordinated Notes due&nbsp;2031 (the &#147;New Notes&#148;) in connection with its offer to exchange for New Notes (such offer, the &#147;Exchange
Offer&#148;), the Company&#146;s outstanding&nbsp;3.750% Subordinated Notes due 2024 (the &#147;Old Notes&#148;), upon the terms set forth in the Dealer Manager Agreement, dated as of January&nbsp;12, 2021 (the &#147;Dealer Manager Agreement&#148;),
between the Company and you as the dealer managers (the &#147;Dealer Managers&#148;), relating to the Exchange Offer for the Old Notes. The New Notes are to be issued under the Subordinated Indenture dated as of September&nbsp;28, 2012 (the
&#147;Base Indenture), between the Company (as successor to RBS Citizens Financial Group, Inc.) and The Bank of New York Mellon (the &#147;Trustee&#148;), as supplemented by the Thirteenth Supplemental Indenture dated as of the date hereof (the
&#147;Supplemental Indenture&#148; and, together with the Base Indenture, the &#147;Indenture&#148;). To induce the Dealer Managers to enter into the Dealer Manager Agreement and to satisfy a condition to your obligations thereunder, the Company
agrees with you for your benefit and the benefit of the holders (each a &#147;Holder&#148; and, collectively, the &#147;Holders&#148;) from time to time of the New Notes or the Exchange Notes (as hereinafter defined), as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>1.</B> <B>Definitions</B>. Capitalized terms used herein without definition shall have their respective meanings set forth in the Dealer
Manager Agreement. As used in this Agreement, the following capitalized defined terms shall have the following meanings: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Act</B>&#148; shall mean the Securities Act of&nbsp;1933, as amended, and the rules and regulations of the Commission promulgated
thereunder. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Affiliate</B>&#148; of any specified person shall mean any other person that,
directly or indirectly, is in control of, is controlled by, or is under common control with, such specified person. For purposes of this definition, control of a person shall mean the power, direct or indirect, to direct or cause the direction of
the management and policies of such person whether by contract or otherwise; and the terms &#147;controlling&#148; and &#147;controlled&#148; shall have meanings correlative to the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Broker-Dealer</B>&#148; shall mean any broker or dealer registered as such under the Exchange Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Business Day</B>&#148; shall mean any day other than a Saturday, a Sunday or a legal holiday or a day on which commercial banks are
authorized or required by law, regulation or executive order to close in New York City, New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Commission</B>&#148; shall
mean the Securities and Exchange Commission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Company</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Company Indemnitee</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;6(b)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Dealer Manager Agreement</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Dealer Managers</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>DTC</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;2(c)(i)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Act</B>&#148; shall mean the Securities Exchange Act of&nbsp;1934, as amended, and the rules and regulations of the
Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Notes</B>&#148; shall mean debt securities of the Company identical in all material
respects to the New Notes (except that the transfer restrictions shall be modified or eliminated, as appropriate) and to be issued under the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer Registration Period</B>&#148; shall mean <FONT STYLE="white-space:nowrap">the&nbsp;90-day</FONT> period following the
effectiveness of the Exchange Offer Registration Statement, exclusive of any period during which any stop order shall be in effect suspending the effectiveness of the Exchange Offer Registration Statement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer Registration Statement</B>&#148; shall mean a registration statement of the Company on an appropriate form under the
Act with respect to the Registered Exchange Offer, all amendments and supplements to such registration statement, including post-effective amendments thereto, in each case including the Prospectus contained therein, all exhibits thereto and all
material incorporated by reference therein. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchanging Dealer</B>&#148; shall mean any Holder (which may include any Dealer
Manager) that is a Broker-Dealer that acquired Exchange Notes in the Registered Exchange Offer in exchange for New Notes that it acquired for its own account as a result of market-making activities or other trading activities (but not directly from
the Company or any Affiliate of the Company). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Holder</B>&#148; and &#147;<B>Holders</B>&#148; shall have the meanings set forth
in the preamble hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Holders&#146; Information</B>&#148; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3(b)(iii)</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Indemnified Holder</B>&#148; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;6(a)</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Indenture</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer FWP</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;6(a)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>New Notes</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Old Notes</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Prospectus</B>&#148; shall mean the prospectus included in any Registration Statement&nbsp;(including, without limitation, a
prospectus that discloses information previously omitted from a prospectus filed as part of an effective registration statement in reliance upon Rule&nbsp;430A under the Act), as amended or supplemented by any prospectus supplement, with respect to
the terms of the offering of any portion of the New Notes or the Exchange Notes covered by such Registration Statement, and all amendments and supplements thereto, including all exhibits thereto and all material incorporated by reference therein.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Registered Exchange Offer</B>&#148; shall mean the proposed offer of the Company to issue and deliver to the Holders of the New
Notes that are not prohibited by any law or policy of the Commission from participating in such offer, in exchange for the New Notes, a like aggregate principal amount of the Exchange Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Registration Statement</B>&#148; shall mean any Exchange Offer Registration Statement or Shelf Registration Statement that covers any
of the New Notes or the Exchange Notes pursuant to the provisions of this Agreement, any amendments and supplements to such registration statement, including post-effective amendments (in each case including the Prospectus contained therein), all
exhibits thereto and all material incorporated by reference therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Settlement Date</B>&#148; shall mean the date on which the
Exchange Offer has been consummated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration</B>&#148; shall mean a registration under the Act effected pursuant to
<U>Section</U><U></U><U>&nbsp;3</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration Period</B>&#148; has the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3(b)(ii)</U> hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration Statement</B>&#148; shall mean a &#147;shelf&#146; registration
statement of the Company pursuant to the provisions of <U>Section</U><U></U><U>&nbsp;3</U> hereof which covers some or all of the New Notes, on an appropriate form under Rule&nbsp;415 under the Act, or any similar rule that may be adopted by the
Commission, amendments and supplements to such registration statement, including post-effective amendments and the Prospectus contained therein, all exhibits thereto and all material incorporated by reference therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Transfer-Restricted Securities</B>&#148; means each New Note until the earlier to occur of (i)&nbsp;the date on which such New Note
has been exchanged for a freely transferable applicable Exchange Note in the Registered Exchange Offer, (ii)&nbsp;the date on which it has been effectively registered under the Act and disposed of in accordance with the Shelf Registration Statement
or (iii)&nbsp;the date on which it is sold to the public pursuant to Rule&nbsp;144 (or any similar provision then in force under the Act) under the Act or may be sold by a person that is not an &#147;affiliate&#148; (as defined in Rule&nbsp;144) of
the Company without restriction or limitation pursuant to Rule&nbsp;144 (or any similar provision then in force under the Act). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Trustee</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>2.</B> <B>Registered Exchange Offer</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall use its commercially reasonable efforts to prepare and, not later than&nbsp;230&nbsp;days following the
Settlement Date, file with the Commission the Exchange Offer Registration Statement with respect to the Registered Exchange Offer. The Company shall use its commercially reasonable efforts to (i)&nbsp;cause the Exchange Offer Registration Statement
to become effective under the Act within&nbsp;320&nbsp;days of the Settlement Date and (ii)&nbsp;complete the Registered Exchange Offer within&nbsp;365&nbsp;days of the Settlement Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Upon the effectiveness of the Exchange Offer Registration Statement, the Company shall promptly commence the Registered
Exchange Offer, it being the objective of such Registered Exchange Offer to enable each Holder electing to exchange New Notes for Exchange Notes (provided that such Holder is not an Affiliate of the Company or is an Affiliate that complies with the
registration and prospectus delivery requirements of the Act to the extent applicable in connection with the resale of the Exchange Notes, acquires the Exchange Notes in the ordinary course of such Holder&#146;s business, has no arrangements or
understandings with any person to participate in the distribution (within the meaning of the Act) of the Exchange Notes and is not prohibited by any law, rule or policy of the Commission from participating in the Registered Exchange Offer) to trade
such Exchange Notes without any limitations or restrictions under the Act and without material restrictions under the securities laws of a substantial proportion of the several states of the United States. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) In connection with the Registered Exchange Offer, the Company shall:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">deliver or otherwise make available to each Holder a copy of the Prospectus forming part of the Exchange Offer
Registration Statement, together with an appropriate letter of transmittal or similar documentation and related documents, provided, however, Holders will be deemed to have received the documents referred to above upon delivery of such documents to
The Depository Trust Company (&#147;DTC&#148;) for distribution to its participants; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">keep the Registered Exchange Offer open for not less than 20 Business Days and not more than 30 Business Days
after the date on which notice thereof is delivered to the Holders (or, in each case, longer if required by applicable law); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">use its commercially reasonable efforts to keep the Exchange Offer Registration Statement continuously
effective under the Act, supplemented and amended as required under the Act to ensure that it is available for sales of Exchange Notes by Exchanging Dealers during the Exchange Offer Registration Period; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">utilize the services of a depositary for the Registered Exchange Offer with an address in the Borough of
Manhattan in New York City, which may be the Trustee or an Affiliate of the Trustee; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">permit Holders to withdraw tendered New Notes at any time prior to 5:00 p.m. (New York City time), on the last
Business Day on which the Registered Exchange Offer is open; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(vi)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">either (x)&nbsp;in the Exchange Offer Registration Statement or (y)&nbsp;prior to effectiveness of the Exchange
Offer Registration Statement, in a supplemental letter to the Commission, (A)&nbsp;state that the Company is conducting the Registered Exchange Offer in reliance on the position of the Commission in the Exxon Capital Holdings Corporation (pub.
avail. May&nbsp;13, 1988), Morgan Stanley&nbsp;&amp; Co., Inc. (pub. avail. June&nbsp;5, 1991) and Shearman&nbsp;&amp; Sterling LLP (pub. avail. July&nbsp;2, 1993) <FONT STYLE="white-space:nowrap">no-action</FONT> letters, and (B)&nbsp;include a
representation that the Company has not entered into any arrangement or understanding with any person to distribute the Exchange Notes to be received in the Registered Exchange Offer following completion of the Registered Exchange Offer and that, to
the Company&#146;s information and belief, each Holder participating in the Registered Exchange Offer is acquiring the Exchange Notes in its ordinary course of business and has no arrangement or understanding with any person to participate in the
distribution of the Exchange Notes; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(vii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">comply in all respects with all other applicable law. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) As soon as practicable after the close of the Registered Exchange Offer,
the Company shall: </P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">accept for exchange all New Notes validly tendered and not validly withdrawn pursuant to the Registered
Exchange Offer; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">deliver to the Trustee for cancellation in accordance with <U>Section</U><U></U><U>&nbsp;4(n)</U> all New Notes
so accepted for exchange; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">cause the Trustee promptly to authenticate and deliver to each Holder of New Notes a principal amount of
Exchange Notes equal to the principal amount of the New Notes of such Holder that the Company has accepted for exchange. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Each Holder is hereby deemed to acknowledge and agree that any Broker-Dealer and any such Holder using the Registered
Exchange Offer to participate in a distribution of the Exchange Notes (x)&nbsp;could not under Commission policy as in effect on the date of this Agreement rely on the position of the Commission in the Exxon Capital Holdings Corporation (pub. avail.
May&nbsp;13, 1988) and Morgan Stanley&nbsp;&amp; Co., Inc. (pub. avail. June&nbsp;5, 1991) <FONT STYLE="white-space:nowrap">no-action</FONT> letters, as interpreted in the Commission&#146;s letter to Shearman&nbsp;&amp; Sterling LLP (pub. avail.
July&nbsp;2, 1993) and similar <FONT STYLE="white-space:nowrap">no-action</FONT> letters, and (y)&nbsp;must comply with the registration and prospectus delivery requirements of the Act in connection with any secondary resale transaction, and any
secondary resale transactions by such Holder must be covered by an effective registration statement containing the selling security holder and plan of distribution information required by Item&nbsp;507 or&nbsp;508, as applicable, of <FONT
STYLE="white-space:nowrap">Regulation&nbsp;S-K</FONT> under the Act if the resales are of Exchange Notes obtained by such Holder in exchange for New Notes acquired by such Holder directly from the Company or one of its Affiliates. Accordingly, each
Holder participating in the Registered Exchange Offer shall be required to provide a written representation to the Company that, at the time of the consummation of the Registered Exchange Offer: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any Exchange Notes received by such Holder will be acquired in the ordinary course of such Holder&#146;s
business; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not engaged in, and does not intend to engage in, and will have no arrangement or understanding
with any person to participate in the distribution of the New Notes or the Exchange Notes within the meaning of the Act; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not an Affiliate of the Company or, if such Holder is an Affiliate, such Holder will comply with
the registration and prospectus delivery requirements of the Act to the extent applicable in connection with the resale of the Exchange Notes; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not prohibited by any law, rule or policy of the Commission from participating in the Registered
Exchange Offer. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Notwithstanding any other provisions hereof, the Company will ensure
that (i)&nbsp;any Exchange Offer Registration Statement and any amendment thereto and any Prospectus forming part thereof and any supplement thereto complies in all material respects with the Act and the rules and regulations of the Commission
thereunder, (ii)&nbsp;any Exchange Offer Registration Statement and any amendment thereto does not, when it becomes effective, contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary
to make the statements therein not misleading and (iii)&nbsp;any Prospectus forming part of any Exchange Offer Registration Statement, and any supplement to such Prospectus, does not, as of the consummation of the Registered Exchange Offer, include
an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>3.</B> <B>Shelf Registration</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If the New Notes held by <FONT STYLE="white-space:nowrap">non-Affiliates</FONT> of the Company are not freely tradable
pursuant to Rule&nbsp;144 of the Act and the applicable interpretations of the Commission and: (i)&nbsp;due to any change in law or in applicable interpretations thereof by the staff of the Commission, the Company determines upon the advice of
outside counsel that it is not permitted to effect the Registered Exchange Offer as contemplated by <U>Section</U><U></U><U>&nbsp;2</U> hereof; (ii)&nbsp;any Holder of New Notes notifies the Company in writing not more than&nbsp;20&nbsp;days after
completion of the Registered Exchange Offer that it is not eligible to participate in the Registered Exchange Offer (other than due to its status as an Affiliate of the Company or as a Broker-Dealer); or (iii)&nbsp;for any other reason, the
Registered Exchange Offer is not consummated within&nbsp;365&nbsp;days after the Settlement Date; then the Company shall use its commercially reasonable efforts to effect a Shelf Registration Statement in accordance with subsection&nbsp;(b) below.
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(b)&nbsp;(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall, as promptly as practicable (but in no event more than 60 days after the Company is so
required pursuant to <U>Section</U><U></U><U>&nbsp;3(a))</U>, file with the Commission, and thereafter shall use its commercially reasonable efforts to cause to be declared effective under the Act within&nbsp;150&nbsp;days after the Company is so
required pursuant to <U>Section</U><U></U><U>&nbsp;3(a)</U>, a Shelf Registration Statement covering resales of the New Notes by the Holders thereof from time to time in accordance with the methods of distribution elected by such Holders and set
forth in such Shelf Registration Statement; provided, however, that no Holder shall be entitled to have the New Notes held by it covered by such Shelf Registration Statement unless such Holder agrees in writing to be bound by all of the provisions
of this Agreement applicable to such Holder; and provided further that with respect to a Shelf Registration Statement required pursuant to <U>Section</U><U></U><U>&nbsp;3(a)(iii)</U>, the consummation of a Registered Exchange Offer shall relieve the
Company of its obligations under this <U>Section</U><U></U><U>&nbsp;3(b)</U> but only in respect of its obligations under <U>Section</U><U></U><U>&nbsp;3(a)(iii)</U>. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall use its commercially reasonable efforts to keep the Shelf Registration Statement continuously
effective, supplemented and amended as required by the Act, in order to permit the Prospectus forming part thereof to be usable by Holders until the earlier of the date that is two years after the Settlement Date or the date that all New Notes
registered for resale under the Shelf Registration Statement&nbsp;(A) have been sold pursuant to the Shelf Registration Statement or (B)&nbsp;are freely tradable by <FONT STYLE="white-space:nowrap">non-Affiliates</FONT> of the Company pursuant to
Rule&nbsp;144 of the Act (and applicable interpretations thereof by the Commission&#146;s staff) (in any such case, such period being called the &#147;Shelf Registration Period&#148;). The Company shall be deemed not to have used its commercially
reasonable efforts to keep the Shelf Registration Statement effective during the Shelf Registration Period if it voluntarily takes any action that would result in Holders of New Notes registered for resale thereby not being able to offer and sell
such New Notes during that period, unless (A)&nbsp;such action is required by applicable law or (B)&nbsp;such action is taken by the Company in good faith and for, in the Company&#146;s good faith judgment, valid business reasons (not including
avoidance of the Company&#146;s obligations hereunder), including, without limitation, the acquisition or divestiture of assets, so long as the Company promptly thereafter complies with the requirements of <U>Section</U><U></U><U>&nbsp;4(i)</U>
hereof, if applicable. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Notwithstanding any other provisions hereof, the Company will ensure that (A)&nbsp;any Shelf Registration
Statement and any amendment thereto and any Prospectus forming part thereof and any supplement thereto complies in all material respects with the Act and the rules and regulations of the Commission thereunder, (B)&nbsp;any Shelf Registration
Statement and any amendment thereto (in either case, other than with respect to information included therein in reliance upon or in conformity with written information furnished to the Company by or on behalf of any Holder of Transfer-Restricted
Securities specifically for use therein (the &#147;Holders&#146; Information&#148;) does not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein
not misleading and (C)&nbsp;any Prospectus forming part of any Shelf Registration Statement, and any supplement to such prospectus (in either case, other than with respect to Holders&#146; Information), does not include an untrue statement of a
material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>4.</B> <B>Additional Registration Procedures</B>. In connection with any Shelf
Registration Statement and, to the extent applicable, any Exchange Offer Registration Statement, the following provisions shall apply: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">furnish to counsel for the Dealer Managers, prior to the filing thereof with the Commission, a copy of any
Exchange Offer Registration Statement and any Shelf Registration Statement, and each amendment thereof, and each supplement, if any, to the Prospectus included therein (excluding all documents incorporated by reference therein after the initial
filing); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">include the information set forth (A)&nbsp;in <U>Annex</U><U></U><U>&nbsp;A</U> hereto on the cover of the
Prospectus contained in the Exchange Offer Registration Statement, (B)&nbsp;in <U>Annex</U><U></U><U>&nbsp;B</U> hereto in a section of the Prospectus setting forth details of the Registered Exchange Offer, (C)&nbsp;in
<U>Annex</U><U></U><U>&nbsp;C</U> hereto in the underwriting or plan of distribution section of such Prospectus, and (D)&nbsp;in <U>Annex</U><U></U><U>&nbsp;D</U> hereto in the letter of transmittal or similar documentation delivered pursuant to the
Registered Exchange Offer; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">in the case of a Shelf Registration Statement, include the information regarding the Holders that propose to
sell New Notes pursuant to the Shelf Registration Statement as selling security holders to the extent required by Item 507 of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> (or, if permitted by Commission Rule 430B(b), in a Prospectus
supplement that becomes a part thereof pursuant to Commission Rule 430B(f)); provided that, notwithstanding anything in this Agreement to the contrary, the Company shall not be required to amend or supplement a Shelf Registration Statement or any
Prospectus forming a part thereof after such Shelf Registration Statement has been declared effective by the Commission more than once per calendar month to reflect additional Holders or changes in the number of New Notes to be sold by any Holder.
</P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company shall advise counsel for the Dealer Managers or the Holders of New Notes covered by any
Shelf Registration Statement and any Exchanging Dealer under any Exchange Offer Registration Statement that has provided in writing to the Company a telephone or facsimile number and address for notices, and, if requested by any such person, shall
confirm such advice in writing (which notice pursuant to clauses&nbsp;(ii)-(v) below shall be accompanied by an instruction to suspend the use of the Prospectus until the Company shall have remedied the basis for such suspension): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">when a Registration Statement and any amendment thereto has been filed with the Commission and when such
Registration Statement or any post-effective amendment thereto has become effective; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of any request by the Commission after the effective date of such Registration Statement for any amendment or
supplement to a Registration Statement or the Prospectus or for additional information in connection with the Registration Statement; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the issuance by the Commission of any stop order suspending the effectiveness of a Registration Statement or
the initiation of any proceedings for that purpose; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the receipt by the Company of any notification with respect to the suspension of the qualification of the
securities included in any Registration Statement for sale in any jurisdiction or the initiation of any proceeding for such purpose; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the happening of any event that requires any change in a Registration Statement or the Prospectus so that,
as of such date, the statements therein do not contain any untrue statement of a material fact and do not omit to state a material fact required to be stated therein or necessary to make the statements therein (in the case of the Prospectus, in the
light of the circumstances under which they were made) not misleading provided that the Company shall not be required to disclose the reasons for such change. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Upon receiving notice of the occurrence of any of the events listed in subsections&nbsp;(ii) through (v)&nbsp;of this
<U>Section</U><U></U><U>&nbsp;4(b)</U>, each Holder and any Exchanging Dealer will, upon request by the Company in writing, immediately discontinue disposition of New Notes or Exchange Notes pursuant to a Registration Statement until such
Holder&#146;s or Exchanging Dealer&#146;s receipt of copies of the supplemented or amended Prospectus contemplated by <U>Section</U><U></U><U>&nbsp;4(i)</U> or until it is advised in writing by the Company that use of the applicable Prospectus may
resume, and, if so directed by the Company, such Holder or Exchanging Dealer will deliver to the Company (at the Company&#146;s expense) all copies in such Holder&#146;s or Exchanging Dealer&#146;s possession, other than permanent file copies, of
the Prospectus covering such New Notes or Exchange Notes that was current at the time of receipt of such notice. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The
Company shall use its commercially reasonable efforts to prevent the issuance and, if issued, to obtain the withdrawal at the earliest practicable time of any order suspending the effectiveness of any Registration Statement or the qualification of
the securities therein for sale in any jurisdiction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Prior to the effective date of any Registration Statement, the
Company will use its commercially reasonable efforts to register or qualify, or cooperate with the Holders of New Notes or Exchange Notes included therein and their respective counsel in connection with the registration or qualification of, such New
Notes or Exchange Notes for offer and sale under the securities or blue sky laws of such jurisdictions as any such Holder reasonably requests in writing and do any and all other acts or things necessary or advisable to enable the offer and sale in
such jurisdictions of the New Notes or Exchange Notes covered by such Registration Statement; provided that, the Company will not be required to qualify as a broker-dealer or generally to do business in any jurisdiction where it is not then so
qualified or to take any action which would subject it to general service of process or to taxation in any such jurisdiction where it is not then so subject. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company shall furnish to each Holder of New Notes covered by any
Shelf Registration Statement, without charge and upon request in writing, at least one conformed copy of such Shelf Registration Statement and any post-effective amendment thereto, and, if the Holder so requests in writing, all material incorporated
therein by reference and all exhibits thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The Company shall, during the Shelf Registration Period, promptly
deliver to each Holder of New Notes covered by any Shelf Registration Statement, without charge, as many copies of the Prospectus (including each preliminary Prospectus) included in such Shelf Registration Statement and any amendment or supplement
thereto as such person may reasonably request. The Company consents to the use of the Prospectus or any amendment or supplement thereto by each of the foregoing in connection with the offering and sale of the New Notes covered by the Prospectus, or
any amendment or supplement thereto, included in the Shelf Registration Statement in accordance with applicable law and the terms hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) The Company shall furnish to each Exchanging Dealer that so requests, without charge, at least one conformed copy of the
Exchange Offer Registration Statement and any post-effective amendment thereto, and, if the Exchanging Dealer so requests in writing, all material incorporated by reference therein and all exhibits thereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) The Company shall promptly deliver to you, each Exchanging Dealer and each other person required to deliver a prospectus
during the Exchange Offer Registration Period, without charge, as many copies of the final Prospectus included in such Exchange Offer Registration Statement and any amendment or supplement thereto as any such person may reasonably request. The
Company consents to the use of such Prospectus or any amendment or supplement thereto by you, any Exchanging Dealer and any such other person that may be required to deliver a prospectus following the Registered Exchange Offer in connection with the
offering and sale of the Exchange Notes covered by the Prospectus, or any amendment or supplement thereto, included in the Exchange Offer Registration Statement in accordance with applicable law and the terms hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Upon the occurrence of any event contemplated by subsections&nbsp;(ii) through (v)&nbsp;of
<U>Section</U><U></U><U>&nbsp;4(b)</U> hereof during the period for which the Company is required to maintain an effective Registration Statement, the Company shall promptly prepare a post-effective amendment to the applicable Registration Statement
or an amendment or supplement to the related Prospectus or file any other required document so that, as thereafter delivered to the purchasers of the securities covered thereby, the Prospectus will not include an untrue statement of a material fact
or omit to state any material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; provided that, during the Exchange Offer Registration Period or
the Shelf Registration Period, the Company shall not be required to amend or supplement a Registration Statement or Prospectus, in the event that, and for a period not to exceed&nbsp;120&nbsp;days in any
<FONT STYLE="white-space:nowrap">consecutive&nbsp;12-month</FONT> period, the Company determines in good faith that the disclosure of any such event would be materially adverse to the Company or otherwise relates to a pending business transaction
that has not yet been publicly disclosed. In such circumstances, the Exchange Offer </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Registration Period and the Shelf Registration&nbsp;Period shall each be extended by the number of days from and including the date of the giving of a notice of suspension pursuant to
<U>Section</U><U></U><U>&nbsp;4(b)</U> hereof to and including the date the Holders of New Notes and Exchanging Dealers shall have received such amended or supplemented Prospectus pursuant to this <U>Section</U><U></U><U>&nbsp;4(i)</U>. </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(j)&nbsp;(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Not later than the effective date of the Exchange Offer Registration Statement, the Company shall provide a
CUSIP number for the Exchange Notes registered under the Exchange Offer Registration Statement. Not later than the date of the closing of the Exchange Offer, the Company shall provide the Trustee with printed certificates for such Exchange Notes,
free of any restrictive legends, in a form eligible for deposit with DTC. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">On the first Business Day following the effective date of any Shelf Registration Statement hereunder or as soon
as possible thereafter, the Company shall use its reasonable efforts to establish with the Trustee a procedure by which Holders of New Notes that are &#147;restricted securities&#148; within the meaning of Rule 144(a)(3) under the Act may transfer,
upon completion of a sale of New Notes under such Shelf Registration Statement, their interests therein to an &#147;unrestricted&#148; global security free of any stop or restriction on DTC&#146;s system with respect to the New Notes, including the
issuance of an applicable CUSIP number with respect to such unrestricted securities; provided, however that this <U>Section</U><U></U><U>&nbsp;4(j)(ii)</U> shall be applicable only to Holders that are named as selling Holders in the Shelf
Registration Statement and agree in writing to be bound by all of the provisions of this Agreement applicable to such Holder. Upon compliance with the foregoing requirements of this <U>Section</U><U></U><U>&nbsp;4(j)(ii)</U>, the Company shall
provide the Trustee with printed certificates for such New Notes in a form eligible for deposit with DTC. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">In the event
the Company is unable to cause DTC to take the actions described in this <U>Section</U><U></U><U>&nbsp;4(j)</U>, the Company shall take such actions reasonably necessary to provide, as soon as practicable, a CUSIP number, if necessary, for the New
Notes registered and sold under the Shelf Registration Statement and to cause the CUSIP number described in clause&nbsp;(i) or clause&nbsp;(ii) above to be assigned to the New Notes or Exchange Notes, as the case may be (or to the maximum aggregate
principal amount of the New Notes or Exchange Notes, as the case may be, to which such number may be assigned). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) The
Company shall comply with all applicable rules and regulations of the Commission and shall make generally available to its security holders as soon as practicable after the effective date of the applicable Registration Statement an earnings
statement satisfying the provisions of Section&nbsp;11(a) of the Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) The Company may require each Holder of New Notes to be registered
pursuant to any Shelf Registration Statement to furnish to the Company such information regarding the Holder and the distribution of such New Notes as the Company may from time to time reasonably require for inclusion in such Shelf Registration
Statement, and each such Holder shall promptly furnish to the Company any additional information required in order to make the information previously disclosed to the Company under this <U>Section</U><U></U><U>&nbsp;4(l)</U> not misleading. The
Company may exclude from such Shelf Registration Statement the New Notes of any Holder that fails to furnish such information within a reasonable time after receiving such request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) The Company shall, if requested, use its commercially reasonable efforts to incorporate promptly in a Prospectus supplement
or post-effective amendment to a Shelf Registration Statement such information as a Holder of New Notes to be sold pursuant to any Shelf Registration Statement may reasonably provide from time to time to the Company in writing for inclusion in a
Prospectus or any Shelf Registration Statement concerning such Holder and the distribution of such Holder&#146;s New Notes and shall make all required filings of such Prospectus supplement or post-effective amendment as soon as reasonably
practicable after receipt of notification of the matters to be incorporated in such Prospectus supplement or post-effective amendment; provided, however, that notwithstanding anything else in this Agreement to the contrary, the Company shall not be
obligated to make such updates more than once per month. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) If a Registered Exchange Offer is to be consummated, upon
delivery of the New Notes by Holders to the Company (or to such other person as directed by the Company) in exchange for the Exchange Notes, the Company shall mark, or cause to be marked, on the New Notes so exchanged that such New Notes are being
cancelled in exchange for the Exchange Notes. In no event shall the New Notes be marked as paid or otherwise satisfied. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>5.</B>
<B>Registration Expenses</B>. The Company shall bear all expenses incurred in connection with the performance of its obligations under <U>Section</U><U></U><U>&nbsp;2</U>,<U> Section</U><U></U><U>&nbsp;3</U> and <U>Section</U><U></U><U>&nbsp;4</U>
hereof and, in the case of any Exchange Offer Registration Statement, will reimburse the Dealer Managers for the reasonable fees and disbursements of Cleary Gottlieb Steen&nbsp;&amp; Hamilton LLP, acting as counsel to the Dealer Managers in
connection therewith. The Company shall not be responsible for reimbursement of any fees and disbursements of Cleary Gottlieb Steen&nbsp;&amp; Hamilton LLP, acting as counsel to the Dealer Managers, in connection with a Shelf Registration Statement
in an aggregate amount in excess of $5,000. Anything contained herein to the contrary notwithstanding, the Company shall not have any obligation whatsoever in respect of any underwriters&#146; discounts or commissions, brokerage commissions,
dealers&#146; selling concessions, transfer taxes or, except as otherwise expressly set forth herein, any other selling expenses incurred in connection with the underwriting, offering or sale of New Notes or Exchange Notes by or on behalf of any
person. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>6.</B> <B>Indemnification and Contribution</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company agrees to indemnify and hold harmless each Holder of New Notes covered by any Shelf Registration Statement,
each Exchanging Dealer with respect to any Prospectus delivery as contemplated in Section&nbsp;4(h) hereof and each person who controls any such Holder or Exchanging Dealer within the meaning of either Section&nbsp;15 of the Act or Section&nbsp;20
of the Exchange Act, from and against any and all losses, claims, damages and liabilities (including, without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) caused
by any untrue statement or alleged untrue statement of a material fact contained in any Registration Statement or any amendment thereof, any preliminary Prospectus or Prospectus or any amendment or supplement thereto, any &#147;issuer free writing
prospectus&#148; as defined in Rule 433(h) under the Act (an &#147;Issuer FWP&#148;) or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act, or caused by any omission or alleged omission to state
therein a material fact required to be stated therein or necessary to make the statements therein (in the case of a Prospectus, in light of the circumstances under which they were made) not misleading, except insofar as such losses, claims, damages
or liabilities are caused by any such untrue statement or omission or alleged untrue statement or omission based upon information relating to any such Holder or Exchanging Dealer furnished to the Company in writing by such Holder or Exchanging
Dealer expressly for use therein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Holder of New Notes covered by a Shelf Registration Statement and each
Exchanging Dealer with respect to any Prospectus delivery as contemplated in Section&nbsp;4(h) hereof agrees, severally and not jointly, to indemnify and hold harmless the Company, the directors of the Company, the officers of the Company who sign
the Shelf Registration Statement and each person, if any, who controls the Company within the meaning of either Section&nbsp;15 of the Act or Section&nbsp;20 of the Exchange Act from and against any and all losses, claims, damages and liabilities
(including, without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) caused by any untrue statement or alleged untrue statement of a material fact contained in any
Registration Statement or any amendment thereof, any preliminary Prospectus or Prospectus or any amendment or supplement thereto, any Issuer FWP or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act,
or caused by any omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein (in the case of a Prospectus, in light of the circumstances under which they were made) not
misleading, but only with reference to information relating to such Holder or Exchanging Dealer furnished to the Company in writing by such Holder or Exchanging Dealer expressly for use in any Registration Statement or any amendment thereof, any
preliminary Prospectus or Prospectus or any amendment or supplement thereto, any Issuer FWP or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act; provided however that no such Holder or Exchanging
Dealer shall be liable for any losses hereunder in excess of the amount of net proceeds received by such Holder or Exchanging Dealer from the sale of New Notes or Exchange Notes pursuant to such Registration Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) In case any proceeding (including any governmental investigation) shall be instituted involving any person in respect of
which indemnity may be sought pursuant to Section&nbsp;6(a) or 6(b), such person (the &#147;indemnified party&#148;) shall promptly notify the person against whom such indemnity may be sought (the &#147;indemnifying party&#148;) in
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
writing and the indemnifying party shall be entitled to participate in such proceeding and, to the extent that it shall wish, jointly with any other indemnifying party similarly notified, to
assume the defense thereof, with counsel reasonably satisfactory to such indemnified party, and, except as provided in the following sentence, after notice from the indemnifying party to such indemnified party of its election so to assume the
defense thereof, the indemnifying party shall not be liable to such indemnified party under such subsection for any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection
with the defense thereof other than reasonable costs of investigation. In any such proceeding, any indemnified party shall have the right to retain its own counsel, but the fees and expenses of such counsel shall be at the expense of such
indemnified party unless (i)&nbsp;the indemnifying party and the indemnified party shall have mutually agreed to the retention of such counsel, (ii)&nbsp;the named parties to any such proceeding (including any impleaded parties) include both the
indemnifying party and the indemnified party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them, (iii)&nbsp;the indemnifying party has failed within a reasonable
time to retain counsel reasonably satisfactory to the indemnified party or (iv)&nbsp;the indemnified party shall have reasonably concluded there may be legal defenses available to it that are different from or additional to those available to the
indemnifying party. It is understood that the indemnifying party shall not, in respect of the legal expenses of any indemnified party in connection with any proceeding or related proceedings in the same jurisdiction, be liable for the fees and
expenses of more than one separate firm (in addition to any local counsel) for all such indemnified parties, and that all such fees and expenses shall be reimbursed as they are incurred. In the case of any such separate firm for the Holders or
Exchanging Dealers and such control persons and affiliates of any Holders or Exchanging Dealers, such firm shall be designated in writing by a majority of such Holders and Exchanging Dealers. In the case of any such separate firm for the Company,
and such directors, officers and control persons of the Company, such firm shall be designated in writing by the Company. The indemnifying party shall not be liable for any settlement of any proceeding effected without its written consent, but if
settled with such consent or if there be a final judgment for the plaintiff, the indemnifying party agrees to indemnify the indemnified party from and against any loss or liability by reason of such settlement or judgment. Notwithstanding the
foregoing sentence, if at any time an indemnified party shall have requested an indemnifying party to reimburse the indemnified party for fees and expenses of counsel as contemplated by the second and third sentences of this paragraph, the
indemnifying party agrees that it shall be liable for any settlement of any proceeding effected without its written consent if (i)&nbsp;such settlement is entered into more than 60 days after receipt by such indemnifying party of the aforesaid
request and (ii)&nbsp;such indemnifying party shall not have reimbursed the indemnified party in accordance with such request prior to the date of such settlement. No indemnifying party shall, without the prior written consent of the indemnified
party, effect any settlement of any pending or threatened proceeding in respect of which any indemnified party is or could have been a party and indemnity could have been sought hereunder by such indemnified party, unless such settlement
(x)&nbsp;includes an unconditional release of such indemnified party, in form and substance reasonably satisfactory to such indemnified party, from all liability on claims that are the subject matter of such proceeding and (y)&nbsp;does not include
any statement as to or admission of fault, culpability or failure to act by or on behalf of any indemnified party. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) To the extent the indemnification provided for in Section&nbsp;6(a) or
6(b) is unavailable to an indemnified party or insufficient in respect of any losses, claims, damages or liabilities referred to therein, then each indemnifying party under such paragraph, in lieu of indemnifying such indemnified party thereunder,
shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims, damages or liabilities (i)&nbsp;in such proportion as is appropriate to reflect the relative benefits received by the indemnifying party or
parties on the one hand and the indemnified party or parties on the other hand from the exchange of New Notes, pursuant to the Registered Exchange Offer, or (ii)&nbsp;if the allocation provided by clause 6(d)(i) above is not permitted by applicable
law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause 6(d)(i) above but also the relative fault of the indemnifying party or parties on the one hand and of the indemnified party or parties on the
other hand in connection with the statements or omissions that resulted in such losses, claims, damages or liabilities, as well as any other relevant equitable considerations. The relative benefits received by the Company on the one hand and the
Holders or Exchanging Dealers on the other shall be deemed to be in the same respective proportion as is appropriate to reflect the relative benefit received by the Company from the offering of the New Notes, on the one hand, and by the Holders or
Exchanging Dealers from receiving the New Notes registered under the Act, on the other hand, or if the allocation provided by the foregoing clause&nbsp;is not permitted by applicable law, in such proportion as is appropriate to reflect not only the
relative benefits referred to but also the relative fault of the indemnifying party or parties on the one hand and of the indemnified party or parties on the other hand in connection with the statements or omissions that resulted in such losses,
claims, damages or liabilities, as well as any other relevant equitable considerations. The relative fault of the Company on the one hand and the Holders or Exchanging Dealers on the other hand shall be determined by reference to, among other
things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact relates to information supplied by the Company or by such Holder or Exchanging Dealer and the parties&#146;
relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. The Holders and Exchanging Dealer respective obligations to contribute pursuant to this Section&nbsp;6 are several in proportion to
the respective net proceeds received by such Holder or Exchanging Dealer for the sale of the New Notes pursuant to a Registration Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company and the Holders and Exchanging Dealers agree that it would not be just or equitable if contribution pursuant to
this Section&nbsp;6 were determined by pro rata allocation (even if the Holders and Exchanging Dealers were treated as one entity for such purpose) or by any other method of allocation that does not take account of the equitable considerations
referred to in Section&nbsp;6(d). The amount paid or payable by an indemnified party as a result of the losses, claims, damages and liabilities referred to in Section&nbsp;6(d) shall be deemed to include, subject to the limitations set forth above,
any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending any such action or claim. Notwithstanding the provisions </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
of this Section&nbsp;6, no Holder or Exchanging Dealers shall be required to contribute any amount in excess of the amount by which the net proceeds received by such Holder or Exchanging Dealer
for the sale of the New Notes pursuant to a Registration Statement exceeds the amount of any damages that such Holder or Exchanging Dealer has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged
omission. No person guilty of fraudulent misrepresentation (within the meaning of Section&nbsp;11(f) of the Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The remedies provided for in
this Section&nbsp;6 are not exclusive and shall not limit any rights or remedies which may otherwise be available to any indemnified party at law or in equity. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The indemnity and contribution provisions contained in this Section&nbsp;6 and the representations, warranties and other
statements of the Company contained in this Agreement shall remain operative and in full force and effect regardless of (i)&nbsp;any termination of this Agreement, (ii)&nbsp;any investigation made by or on behalf of any Holder or Exchanging Dealer,
any person controlling any Holder or Exchanging Dealer or any affiliate of any Holder or Exchanging Dealer, or the Company, its officers or directors or any person controlling the Company and (iii)&nbsp;acceptance of and payment for any of the New
Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>7.</B> <B>Rule</B><B></B><B>&nbsp;144 and</B><B></B><B>&nbsp;144A</B>. The Company shall, upon request of any Holder of
Transfer-Restricted Securities, make available such information as is required so long as necessary to permit sales of such Holder&#146;s securities pursuant to Rule&nbsp;144A. Upon the written request of any Holder of Transfer-Restricted
Securities, the Company shall deliver to such Holder a written statement as to whether it has complied with such requirements. Notwithstanding the foregoing, nothing in this <U>Section</U><U></U><U>&nbsp;7</U> shall be deemed to require the Company
to register any of its securities pursuant to the Exchange Act, or file reports thereunder, except as may be required by law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>8.</B>
<B>No Inconsistent Agreements</B>. The Company has not, as of the date hereof, entered into, nor shall it on or after the date hereof, enter into, any agreement with respect to any of its securities that is inconsistent with the rights granted to
the Holders herein or that otherwise conflicts with the provisions hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>9.</B> <B>Timing of Obligations</B>. If any of the
Company&#146;s obligations pursuant to <U>Section</U><U></U><U>&nbsp;2</U> or <U>Section</U><U></U><U>&nbsp;3</U> hereof would come due on a day that is not a Business Day, then such obligation shall be due on the next succeeding Business Day. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>10.</B> <B>Amendments and Waivers</B>. The provisions of this Agreement may not be amended, modified or supplemented, and waivers or
consents to departures from the provisions hereof may not be given, in any case as to the New Notes or the Exchange Notes, unless the Company has obtained the written consent of Holders of a majority in aggregate principal amount of the New Notes
and the Exchange Notes that constitute Transfer-Restricted Securities, taken as a single class. In addition, a waiver or consent to depart from the provisions hereof with respect to a matter that relates exclusively to the rights of Holders whose
Transfer-Restricted Securities or Exchange Notes are being sold pursuant to a Registration Statement and that does not directly or indirectly affect the rights of other Holders may be given by Holders of a majority in aggregate principal amount of
such Transfer-Restricted Securities or Exchange Securities, as applicable, being sold by such Holders pursuant to such Registration Statement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>11.</B> <B>Notices</B>. Except as otherwise provided in this Agreement, all notices and
other communications provided for or permitted hereunder shall be made in writing by hand-delivery, first-class mail, telex, telecopier or air courier guaranteeing overnight delivery: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) if to a Holder, at the most current address given by such Holder to the Company in accordance with the provisions of this
<U>Section</U><U></U><U>&nbsp;11</U>, which address initially is, with respect to each Holder, the address of such Holder maintained by the Registrar under the Indenture; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) if to you, initially at the address set forth in the Dealer Manager Agreement; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) if to the Company, initially at the Company&#146;s address set forth in the Dealer Manager Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">All such notices and communications shall be deemed to have been duly given when received. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">So long as the New Notes are in global form registered in the name of DTC, Holders will be deemed to have received any notices referred to
hereunder upon receipt of such notice by DTC for distribution to its participants. Each party hereto by notice to the other parties may designate additional or different addresses of such party for subsequent notices or communications. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>12.</B> <B>Successors</B>. This Agreement shall be binding upon the successors, assigns and transferees of each of the parties, including,
without limitation and without need for an express assignment, subsequent Holders. If any transferee of any Holder shall acquire New Notes or Exchange Notes in any manner, whether by operation of law or otherwise, such Holder shall be deemed to have
agreed to be bound by and subject to all the terms of this Agreement, and by taking and holding such New Notes or Exchange Notes such transferee shall be conclusively deemed to have agreed to be bound by and to perform all of the terms and
provisions of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>13.</B> <B>Electronic Delivery and Counterparts</B>. This Agreement may be signed in counterparts, each
of which shall be deemed an original and all of which together shall constitute one and the same agreement. Delivery of this Agreement by one party to the other may be made by facsimile, electronic mail (including any electronic signature complying
with the New York Electronic Signatures and Records Act (N.Y. State Tech. &#167;&#167; <FONT STYLE="white-space:nowrap">301-309),</FONT> as amended from time to time, or other applicable law) or other transmission method, and the parties hereto
agree that any counterpart so delivered shall be deemed to have been duly and validly delivered and be valid and effective for all purpose </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>14.</B> <B>Headings</B>. The headings used herein are for convenience only and shall not affect the construction hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>15.</B> <B>Applicable Law</B>. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York without regard to principles of conflict of laws to the extent the same are not mandatorily applicable by statute and would permit or require the application of the laws of another jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>16.</B> <B>Severability</B>. In the event that any one or more of the provisions contained herein, or the application thereof in any
circumstances, is held invalid, illegal or unenforceable in any respect for any reason, the validity, legality and enforceability of any such provision in every other respect and of the remaining provisions hereof shall not be in any way impaired or
affected thereby, it being intended that all of the rights and privileges of the parties shall be enforceable to the fullest extent permitted by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>17.</B> <B>Termination</B>. This Agreement and the obligations of the parties hereunder shall terminate upon the expiration of the Shelf
Registration Period, except for any liabilities or obligations under <U>Section</U><U></U><U>&nbsp;5</U> and <U>Section</U><U></U><U>&nbsp;6</U> hereof, each of which shall remain in effect in accordance with its terms. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the foregoing is in accordance with your understanding of our agreement, please sign and
return to us the enclosed duplicate hereof, whereupon this letter and your acceptance shall represent a binding agreement among the Company and the Dealer Managers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Very truly yours, </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Senior Vice President and Assistant Secretary</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CREDIT SUISSE SECURITIES (USA) LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Brian Carlin</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Brian Carlin</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">BARCLAYS CAPITAL INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Pamela Au</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Pamela Au</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Managing Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">BOFA SECURITIES, INC. </TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David Scott</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David Scott</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Managing Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS CAPITAL MARKETS, INC. </TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Michele Goodenough</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Michele Goodenough</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Registration Rights Agreement] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account pursuant to the Registered Exchange Offer must acknowledge that it will
deliver a prospectus in connection with any resale of such Exchange Notes. [The Letter of Transmittal states that by][By] so acknowledging and by delivering a prospectus, a Broker-Dealer will not be deemed to admit that it is an
&#147;underwriter&#148; within the meaning of the Act. This Prospectus, as it may be amended or supplemented from time to time, may be used by a Broker-Dealer in connection with resales of Exchange Notes received in exchange for New Notes where such
New Notes were acquired by such Broker-Dealer as a result of market-making activities or other trading activities. The Company has agreed that, starting on the date the Exchange Offer Registration Statement is declared effective and ending on the
close of business&nbsp;90&nbsp;days after such date, it will make this Prospectus available to any Broker-Dealer for use in connection with any such resale. See &#147;Plan of Distribution.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;B </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account in exchange for New Notes, where such New Notes were acquired by such
Broker-Dealer as a result of market- making activities or other trading activities, must acknowledge that it will deliver a prospectus in connection with any resale of such Exchange Notes. See &#147;Plan of Distribution.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;C </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PLAN OF DISTRIBUTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account pursuant to the Registered Exchange Offer must acknowledge that it will
deliver a prospectus (the &#147;Prospectus&#148;) in connection with any resale of such Exchange Notes. This Prospectus, as it may be amended or supplemented from time to time, may be used by a Broker-Dealer in connection with resales of Exchange
Notes received in exchange for New Notes where such New Notes were acquired as a result of market-making activities or other trading activities. The Company has agreed that, starting on the date the Exchange Offer Registration Statement is declared
effective and ending on the close of business&nbsp;90&nbsp;days after such date, they will make this Prospectus, as amended or supplemented, available to any Broker-Dealer for use in connection with any such resale. In addition, until _________,
20__, all dealers effecting transactions in the Exchange Notes may be required to deliver a prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will not receive any
proceeds from any sale of Exchange Notes by Broker- Dealers. Exchange Notes received by Broker-Dealers for their own account pursuant to the Registered Exchange Offer may be sold from time to time in one or more transactions in the <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">over-the-counter</FONT></FONT> market, in negotiated transactions, through the writing of options on the Exchange Notes or a combination of such methods of resale, at market prices
prevailing at the time of resale, at prices related to such prevailing market prices or negotiated prices. Any such resale may be made directly to purchasers or to or through brokers or dealers who may receive compensation in the form of commissions
or concessions from any such Broker-Dealer or the purchasers of any such Exchange Notes. Any Broker-Dealer that resells Exchange Notes that were received by it for its own account pursuant to the Registered Exchange Offer and any broker or dealer
that participates in a distribution of such Exchange Notes may be deemed to be an &#147;underwriter&#148; within the meaning of the Act and any profit of any such resale of Exchange Notes and any commissions or concessions received by any such
persons may be deemed to be underwriting compensation under the Act. [The Letter of Transmittal states that by][By] acknowledging that it will deliver and by delivering a prospectus, a Broker-Dealer will not be deemed to admit that it is an
&#147;underwriter&#148; within the meaning of the Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For a period of&nbsp;90&nbsp;days after the date the Exchange Offer Registration
Statement is declared effective, the Company shall promptly send additional copies of this Prospectus and any amendment or supplement to this Prospectus to any Broker-Dealer that requests such documents [in the Letter of Transmittal]. The Company
has agreed to pay all expenses incident to the Registered Exchange Offer other than commissions or concessions of any brokers or dealers and will indemnify the holders of the New Notes (including any Broker-Dealers) against certain liabilities,
including liabilities under the Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">[If applicable, add information required by Items&nbsp;507 and&nbsp;508 of <FONT
STYLE="white-space:nowrap">Regulation&nbsp;S-K.]</FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;D </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Rider A </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">CHECK HERE IF YOU ARE A BROKER-DEALER WHO HOLDS NEW NOTES ACQUIRED AS A RESULT OF MARKET MAKING OR OTHER
TRADING ACTIVITIES AND WISH TO RECEIVE&nbsp;10 ADDITIONAL COPIES OF THE PROSPECTUS AND&nbsp;10 COPIES OF ANY AMENDMENTS OR SUPPLEMENTS THERETO FOR USE IN CONNECTION WITH RESALES OF EXCHANGE NOTES RECEIVED IN EXCHANGE FOR SUCH NEW NOTES.
</P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="50%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="31%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="30%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Address:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Rider B </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the undersigned is
not a Broker-Dealer, the undersigned represents that it acquired the Exchange Notes in the ordinary course of its business, it is not engaged in, and does not intend to engage in, a distribution of Exchange Notes and it has no arrangements or
understandings with any person to participate in a distribution of the Exchange Notes. If the undersigned is a Broker- Dealer that will receive Exchange Notes for its own account in exchange for New Notes, it represents that the New Notes to be
exchanged for Exchange Notes were acquired by it as a result of market-making activities or other trading activities and acknowledges that it will deliver a prospectus in connection with any resale of such Exchange Notes; however, by so
acknowledging and by delivering a prospectus, the undersigned will not be deemed to admit that it is an &#147;underwriter&#148; within the meaning of the Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.10
<SEQUENCE>10
<FILENAME>d122408dex410.htm
<DESCRIPTION>EX-4.10
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.10</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 4.10 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CITIZEN FINANCIAL GROUP, INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4.350% Fixed Rate Reset Subordinated Notes due&nbsp;2031 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REGISTRATION RIGHTS AGREEMENT </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">February&nbsp;11, 2021 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Credit Suisse Securities
(USA) LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(the &#147;Lead Dealer Manager&#148;) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Barclays
Capital Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BofA Securities, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Capital
Markets, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(the <FONT STYLE="white-space:nowrap">&#147;Co-Dealer</FONT> Managers&#148; and, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">together with the Lead Dealer Manager, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">the &#147;Dealer
Managers&#148;) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o Credit Suisse Securities (USA) LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Eleven Madison Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York <FONT
STYLE="white-space:nowrap">10010-3629</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc., a Delaware corporation (the &#147;Company&#148;), proposes to issue its 4.350% Fixed Rate Reset Subordinated
Notes due&nbsp;2031 (the &#147;New Notes&#148;) in connection with its offer to exchange for New Notes (such offer, the &#147;Exchange Offer&#148;), the Company&#146;s outstanding&nbsp;4.350% Subordinated Notes due 2025 (the &#147;Old Notes&#148;),
upon the terms set forth in the Dealer Manager Agreement, dated as of January&nbsp;12, 2021 (the &#147;Dealer Manager Agreement&#148;), between the Company and you as the dealer managers (the &#147;Dealer Managers&#148;), relating to the Exchange
Offer for the Old Notes. The New Notes are to be issued under the Subordinated Indenture dated as of September&nbsp;28, 2012 (the &#147;Base Indenture), between the Company (as successor to RBS Citizens Financial Group, Inc.) and The Bank of New
York Mellon (the &#147;Trustee&#148;), as supplemented by the Fourteenth Supplemental Indenture dated as of the date hereof (the &#147;Supplemental Indenture&#148; and, together with the Base Indenture, the &#147;Indenture&#148;). To induce the
Dealer Managers to enter into the Dealer Manager Agreement and to satisfy a condition to your obligations thereunder, the Company agrees with you for your benefit and the benefit of the holders (each a &#147;Holder&#148; and, collectively, the
&#147;Holders&#148;) from time to time of the New Notes or the Exchange Notes (as hereinafter defined), as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>1.</B>
<B>Definitions</B>. Capitalized terms used herein without definition shall have their respective meanings set forth in the Dealer Manager Agreement. As used in this Agreement, the following capitalized defined terms shall have the following
meanings: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Act</B>&#148; shall mean the Securities Act of&nbsp;1933, as amended, and the rules and regulations of the Commission
promulgated thereunder. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Affiliate</B>&#148; of any specified person shall mean any other person that,
directly or indirectly, is in control of, is controlled by, or is under common control with, such specified person. For purposes of this definition, control of a person shall mean the power, direct or indirect, to direct or cause the direction of
the management and policies of such person whether by contract or otherwise; and the terms &#147;controlling&#148; and &#147;controlled&#148; shall have meanings correlative to the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Broker-Dealer</B>&#148; shall mean any broker or dealer registered as such under the Exchange Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Business Day</B>&#148; shall mean any day other than a Saturday, a Sunday or a legal holiday or a day on which commercial banks are
authorized or required by law, regulation or executive order to close in New York City, New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Commission</B>&#148; shall
mean the Securities and Exchange Commission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Company</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Company Indemnitee</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;6(b)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Dealer Manager Agreement</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Dealer Managers</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>DTC</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;2(c)(i)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Act</B>&#148; shall mean the Securities Exchange Act of&nbsp;1934, as amended, and the rules and regulations of the
Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Notes</B>&#148; shall mean debt securities of the Company identical in all material
respects to the New Notes (except that the transfer restrictions shall be modified or eliminated, as appropriate) and to be issued under the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer Registration Period</B>&#148; shall mean <FONT STYLE="white-space:nowrap">the&nbsp;90-day</FONT> period following the
effectiveness of the Exchange Offer Registration Statement, exclusive of any period during which any stop order shall be in effect suspending the effectiveness of the Exchange Offer Registration Statement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Offer Registration Statement</B>&#148; shall mean a registration statement of the Company on an appropriate form under the
Act with respect to the Registered Exchange Offer, all amendments and supplements to such registration statement, including post-effective amendments thereto, in each case including the Prospectus contained therein, all exhibits thereto and all
material incorporated by reference therein. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchanging Dealer</B>&#148; shall mean any Holder (which may include any Dealer
Manager) that is a Broker-Dealer that acquired Exchange Notes in the Registered Exchange Offer in exchange for New Notes that it acquired for its own account as a result of market-making activities or other trading activities (but not directly from
the Company or any Affiliate of the Company). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Holder</B>&#148; and &#147;<B>Holders</B>&#148; shall have the meanings set forth
in the preamble hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Holders&#146; Information</B>&#148; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3(b)(iii)</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Indemnified Holder</B>&#148; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;6(a)</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Indenture</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer FWP</B>&#148; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;6(a)</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>New Notes</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Old Notes</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Prospectus</B>&#148; shall mean the prospectus included in any Registration Statement&nbsp;(including, without limitation, a
prospectus that discloses information previously omitted from a prospectus filed as part of an effective registration statement in reliance upon Rule&nbsp;430A under the Act), as amended or supplemented by any prospectus supplement, with respect to
the terms of the offering of any portion of the New Notes or the Exchange Notes covered by such Registration Statement, and all amendments and supplements thereto, including all exhibits thereto and all material incorporated by reference therein.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Registered Exchange Offer</B>&#148; shall mean the proposed offer of the Company to issue and deliver to the Holders of the New
Notes that are not prohibited by any law or policy of the Commission from participating in such offer, in exchange for the New Notes, a like aggregate principal amount of the Exchange Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Registration Statement</B>&#148; shall mean any Exchange Offer Registration Statement or Shelf Registration Statement that covers any
of the New Notes or the Exchange Notes pursuant to the provisions of this Agreement, any amendments and supplements to such registration statement, including post-effective amendments (in each case including the Prospectus contained therein), all
exhibits thereto and all material incorporated by reference therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Settlement Date</B>&#148; shall mean the date on which the
Exchange Offer has been consummated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration</B>&#148; shall mean a registration under the Act effected pursuant to
<U>Section</U><U></U><U>&nbsp;3</U> hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration Period</B>&#148; has the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3(b)(ii)</U> hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shelf Registration Statement</B>&#148; shall mean a &#147;shelf&#146; registration
statement of the Company pursuant to the provisions of <U>Section</U><U></U><U>&nbsp;3</U> hereof which covers some or all of the New Notes, on an appropriate form under Rule&nbsp;415 under the Act, or any similar rule that may be adopted by the
Commission, amendments and supplements to such registration statement, including post-effective amendments and the Prospectus contained therein, all exhibits thereto and all material incorporated by reference therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Transfer-Restricted Securities</B>&#148; means each New Note until the earlier to occur of (i)&nbsp;the date on which such New Note
has been exchanged for a freely transferable applicable Exchange Note in the Registered Exchange Offer, (ii)&nbsp;the date on which it has been effectively registered under the Act and disposed of in accordance with the Shelf Registration Statement
or (iii)&nbsp;the date on which it is sold to the public pursuant to Rule&nbsp;144 (or any similar provision then in force under the Act) under the Act or may be sold by a person that is not an &#147;affiliate&#148; (as defined in Rule&nbsp;144) of
the Company without restriction or limitation pursuant to Rule&nbsp;144 (or any similar provision then in force under the Act). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Trustee</B>&#148; shall have the meaning set forth in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>2.</B> <B>Registered Exchange Offer</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall use its commercially reasonable efforts to prepare and, not later than&nbsp;230&nbsp;days following the
Settlement Date, file with the Commission the Exchange Offer Registration Statement with respect to the Registered Exchange Offer. The Company shall use its commercially reasonable efforts to (i)&nbsp;cause the Exchange Offer Registration Statement
to become effective under the Act within&nbsp;320&nbsp;days of the Settlement Date and (ii)&nbsp;complete the Registered Exchange Offer within&nbsp;365&nbsp;days of the Settlement Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Upon the effectiveness of the Exchange Offer Registration Statement, the Company shall promptly commence the Registered
Exchange Offer, it being the objective of such Registered Exchange Offer to enable each Holder electing to exchange New Notes for Exchange Notes (provided that such Holder is not an Affiliate of the Company or is an Affiliate that complies with the
registration and prospectus delivery requirements of the Act to the extent applicable in connection with the resale of the Exchange Notes, acquires the Exchange Notes in the ordinary course of such Holder&#146;s business, has no arrangements or
understandings with any person to participate in the distribution (within the meaning of the Act) of the Exchange Notes and is not prohibited by any law, rule or policy of the Commission from participating in the Registered Exchange Offer) to trade
such Exchange Notes without any limitations or restrictions under the Act and without material restrictions under the securities laws of a substantial proportion of the several states of the United States. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) In connection with the Registered Exchange Offer, the Company shall:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">deliver or otherwise make available to each Holder a copy of the Prospectus forming part of the Exchange Offer
Registration Statement, together with an appropriate letter of transmittal or similar documentation and related documents, provided, however, Holders will be deemed to have received the documents referred to above upon delivery of such documents to
The Depository Trust Company (&#147;DTC&#148;) for distribution to its participants; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">keep the Registered Exchange Offer open for not less than 20 Business Days and not more than 30 Business Days
after the date on which notice thereof is delivered to the Holders (or, in each case, longer if required by applicable law); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">use its commercially reasonable efforts to keep the Exchange Offer Registration Statement continuously
effective under the Act, supplemented and amended as required under the Act to ensure that it is available for sales of Exchange Notes by Exchanging Dealers during the Exchange Offer Registration Period; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">utilize the services of a depositary for the Registered Exchange Offer with an address in the Borough of
Manhattan in New York City, which may be the Trustee or an Affiliate of the Trustee; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">permit Holders to withdraw tendered New Notes at any time prior to 5:00 p.m. (New York City time), on the last
Business Day on which the Registered Exchange Offer is open; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(vi)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">either (x)&nbsp;in the Exchange Offer Registration Statement or (y)&nbsp;prior to effectiveness of the Exchange
Offer Registration Statement, in a supplemental letter to the Commission, (A)&nbsp;state that the Company is conducting the Registered Exchange Offer in reliance on the position of the Commission in the Exxon Capital Holdings Corporation (pub.
avail. May&nbsp;13, 1988), Morgan Stanley&nbsp;&amp; Co., Inc. (pub. avail. June&nbsp;5, 1991) and Shearman&nbsp;&amp; Sterling LLP (pub. avail. July&nbsp;2, 1993) <FONT STYLE="white-space:nowrap">no-action</FONT> letters, and (B)&nbsp;include a
representation that the Company has not entered into any arrangement or understanding with any person to distribute the Exchange Notes to be received in the Registered Exchange Offer following completion of the Registered Exchange Offer and that, to
the Company&#146;s information and belief, each Holder participating in the Registered Exchange Offer is acquiring the Exchange Notes in its ordinary course of business and has no arrangement or understanding with any person to participate in the
distribution of the Exchange Notes; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(vii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">comply in all respects with all other applicable law. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) As soon as practicable after the close of the Registered Exchange Offer,
the Company shall: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">accept for exchange all New Notes validly tendered and not validly withdrawn pursuant to the Registered
Exchange Offer; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">deliver to the Trustee for cancellation in accordance with <U>Section</U><U></U><U>&nbsp;4(n)</U> all New Notes
so accepted for exchange; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">cause the Trustee promptly to authenticate and deliver to each Holder of New Notes a principal amount of
Exchange Notes equal to the principal amount of the New Notes of such Holder that the Company has accepted for exchange. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Each Holder is hereby deemed to acknowledge and agree that any Broker-Dealer and any such Holder using the Registered
Exchange Offer to participate in a distribution of the Exchange Notes (x)&nbsp;could not under Commission policy as in effect on the date of this Agreement rely on the position of the Commission in the Exxon Capital Holdings Corporation (pub. avail.
May&nbsp;13, 1988) and Morgan Stanley&nbsp;&amp; Co., Inc. (pub. avail. June&nbsp;5, 1991) <FONT STYLE="white-space:nowrap">no-action</FONT> letters, as interpreted in the Commission&#146;s letter to Shearman&nbsp;&amp; Sterling LLP (pub. avail.
July&nbsp;2, 1993) and similar <FONT STYLE="white-space:nowrap">no-action</FONT> letters, and (y)&nbsp;must comply with the registration and prospectus delivery requirements of the Act in connection with any secondary resale transaction, and any
secondary resale transactions by such Holder must be covered by an effective registration statement containing the selling security holder and plan of distribution information required by Item&nbsp;507 or&nbsp;508, as applicable, of <FONT
STYLE="white-space:nowrap">Regulation&nbsp;S-K</FONT> under the Act if the resales are of Exchange Notes obtained by such Holder in exchange for New Notes acquired by such Holder directly from the Company or one of its Affiliates. Accordingly, each
Holder participating in the Registered Exchange Offer shall be required to provide a written representation to the Company that, at the time of the consummation of the Registered Exchange Offer: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any Exchange Notes received by such Holder will be acquired in the ordinary course of such Holder&#146;s
business; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not engaged in, and does not intend to engage in, and will have no arrangement or understanding
with any person to participate in the distribution of the New Notes or the Exchange Notes within the meaning of the Act; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not an Affiliate of the Company or, if such Holder is an Affiliate, such Holder will comply with
the registration and prospectus delivery requirements of the Act to the extent applicable in connection with the resale of the Exchange Notes; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder is not prohibited by any law, rule or policy of the Commission from participating in the Registered
Exchange Offer. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Notwithstanding any other provisions hereof, the Company will ensure
that (i)&nbsp;any Exchange Offer Registration Statement and any amendment thereto and any Prospectus forming part thereof and any supplement thereto complies in all material respects with the Act and the rules and regulations of the Commission
thereunder, (ii)&nbsp;any Exchange Offer Registration Statement and any amendment thereto does not, when it becomes effective, contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary
to make the statements therein not misleading and (iii)&nbsp;any Prospectus forming part of any Exchange Offer Registration Statement, and any supplement to such Prospectus, does not, as of the consummation of the Registered Exchange Offer, include
an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>3.</B> <B>Shelf Registration</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If the New Notes held by <FONT STYLE="white-space:nowrap">non-Affiliates</FONT> of the Company are not freely tradable
pursuant to Rule&nbsp;144 of the Act and the applicable interpretations of the Commission and: (i)&nbsp;due to any change in law or in applicable interpretations thereof by the staff of the Commission, the Company determines upon the advice of
outside counsel that it is not permitted to effect the Registered Exchange Offer as contemplated by <U>Section</U><U></U><U>&nbsp;2</U> hereof; (ii)&nbsp;any Holder of New Notes notifies the Company in writing not more than&nbsp;20&nbsp;days after
completion of the Registered Exchange Offer that it is not eligible to participate in the Registered Exchange Offer (other than due to its status as an Affiliate of the Company or as a Broker-Dealer); or (iii)&nbsp;for any other reason, the
Registered Exchange Offer is not consummated within&nbsp;365&nbsp;days after the Settlement Date; then the Company shall use its commercially reasonable efforts to effect a Shelf Registration Statement in accordance with subsection&nbsp;(b) below.
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(b)&nbsp;(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall, as promptly as practicable (but in no event more than 60 days after the Company is so
required pursuant to <U>Section</U><U></U><U>&nbsp;3(a))</U>, file with the Commission, and thereafter shall use its commercially reasonable efforts to cause to be declared effective under the Act within&nbsp;150&nbsp;days after the Company is so
required pursuant to <U>Section</U><U></U><U>&nbsp;3(a)</U>, a Shelf Registration Statement covering resales of the New Notes by the Holders thereof from time to time in accordance with the methods of distribution elected by such Holders and set
forth in such Shelf Registration Statement; provided, however, that no Holder shall be entitled to have the New Notes held by it covered by such Shelf Registration Statement unless such Holder agrees in writing to be bound by all of the provisions
of this Agreement applicable to such Holder; and provided further that with respect to a Shelf Registration Statement required pursuant to <U>Section</U><U></U><U>&nbsp;3(a)(iii)</U>, the consummation of a Registered Exchange Offer shall relieve the
Company of its obligations under this <U>Section</U><U></U><U>&nbsp;3(b)</U> but only in respect of its obligations under <U>Section</U><U></U><U>&nbsp;3(a)(iii)</U>. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall use its commercially reasonable efforts to keep the Shelf Registration Statement continuously
effective, supplemented and amended as required by the Act, in order to permit the Prospectus forming part thereof to be usable by Holders until the earlier of the date that is two years after the Settlement Date or the date that all New Notes
registered for resale under the Shelf Registration Statement&nbsp;(A) have been sold pursuant to the Shelf Registration Statement or (B)&nbsp;are freely tradable by <FONT STYLE="white-space:nowrap">non-Affiliates</FONT> of the Company pursuant to
Rule&nbsp;144 of the Act (and applicable interpretations thereof by the Commission&#146;s staff) (in any such case, such period being called the &#147;Shelf Registration Period&#148;). The Company shall be deemed not to have used its commercially
reasonable efforts to keep the Shelf Registration Statement effective during the Shelf Registration Period if it voluntarily takes any action that would result in Holders of New Notes registered for resale thereby not being able to offer and sell
such New Notes during that period, unless (A)&nbsp;such action is required by applicable law or (B)&nbsp;such action is taken by the Company in good faith and for, in the Company&#146;s good faith judgment, valid business reasons (not including
avoidance of the Company&#146;s obligations hereunder), including, without limitation, the acquisition or divestiture of assets, so long as the Company promptly thereafter complies with the requirements of <U>Section</U><U></U><U>&nbsp;4(i)</U>
hereof, if applicable. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Notwithstanding any other provisions hereof, the Company will ensure that (A)&nbsp;any Shelf Registration
Statement and any amendment thereto and any Prospectus forming part thereof and any supplement thereto complies in all material respects with the Act and the rules and regulations of the Commission thereunder, (B)&nbsp;any Shelf Registration
Statement and any amendment thereto (in either case, other than with respect to information included therein in reliance upon or in conformity with written information furnished to the Company by or on behalf of any Holder of Transfer-Restricted
Securities specifically for use therein (the &#147;Holders&#146; Information&#148;) does not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein
not misleading and (C)&nbsp;any Prospectus forming part of any Shelf Registration Statement, and any supplement to such prospectus (in either case, other than with respect to Holders&#146; Information), does not include an untrue statement of a
material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>4.</B> <B>Additional Registration Procedures</B>. In connection with any Shelf
Registration Statement and, to the extent applicable, any Exchange Offer Registration Statement, the following provisions shall apply: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">furnish to counsel for the Dealer Managers, prior to the filing thereof with the Commission, a copy of any
Exchange Offer Registration Statement and any Shelf Registration Statement, and each amendment thereof, and each supplement, if any, to the Prospectus included therein (excluding all documents incorporated by reference therein after the initial
filing); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">include the information set forth (A)&nbsp;in <U>Annex</U><U></U><U>&nbsp;A</U> hereto on the cover of the
Prospectus contained in the Exchange Offer Registration Statement, (B)&nbsp;in <U>Annex</U><U></U><U>&nbsp;B</U> hereto in a section of the Prospectus setting forth details of the Registered Exchange Offer, (C)&nbsp;in
<U>Annex</U><U></U><U>&nbsp;C</U> hereto in the underwriting or plan of distribution section of such Prospectus, and (D)&nbsp;in <U>Annex</U><U></U><U>&nbsp;D</U> hereto in the letter of transmittal or similar documentation delivered pursuant to the
Registered Exchange Offer; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">in the case of a Shelf Registration Statement, include the information regarding the Holders that propose to
sell New Notes pursuant to the Shelf Registration Statement as selling security holders to the extent required by Item 507 of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> (or, if permitted by Commission Rule 430B(b), in a Prospectus
supplement that becomes a part thereof pursuant to Commission Rule 430B(f)); provided that, notwithstanding anything in this Agreement to the contrary, the Company shall not be required to amend or supplement a Shelf Registration Statement or any
Prospectus forming a part thereof after such Shelf Registration Statement has been declared effective by the Commission more than once per calendar month to reflect additional Holders or changes in the number of New Notes to be sold by any Holder.
</P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company shall advise counsel for the Dealer Managers or the Holders of New Notes covered by any
Shelf Registration Statement and any Exchanging Dealer under any Exchange Offer Registration Statement that has provided in writing to the Company a telephone or facsimile number and address for notices, and, if requested by any such person, shall
confirm such advice in writing (which notice pursuant to clauses&nbsp;(ii)-(v) below shall be accompanied by an instruction to suspend the use of the Prospectus until the Company shall have remedied the basis for such suspension): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">when a Registration Statement and any amendment thereto has been filed with the Commission and when such
Registration Statement or any post-effective amendment thereto has become effective; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of any request by the Commission after the effective date of such Registration Statement for any amendment or
supplement to a Registration Statement or the Prospectus or for additional information in connection with the Registration Statement; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the issuance by the Commission of any stop order suspending the effectiveness of a Registration Statement or
the initiation of any proceedings for that purpose; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the receipt by the Company of any notification with respect to the suspension of the qualification of the
securities included in any Registration Statement for sale in any jurisdiction or the initiation of any proceeding for such purpose; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the happening of any event that requires any change in a Registration Statement or the Prospectus so that,
as of such date, the statements therein do not contain any untrue statement of a material fact and do not omit to state a material fact required to be stated therein or necessary to make the statements therein (in the case of the Prospectus, in the
light of the circumstances under which they were made) not misleading provided that the Company shall not be required to disclose the reasons for such change. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Upon receiving notice of the occurrence of any of the events listed in subsections&nbsp;(ii) through (v)&nbsp;of this
<U>Section</U><U></U><U>&nbsp;4(b)</U>, each Holder and any Exchanging Dealer will, upon request by the Company in writing, immediately discontinue disposition of New Notes or Exchange Notes pursuant to a Registration Statement until such
Holder&#146;s or Exchanging Dealer&#146;s receipt of copies of the supplemented or amended Prospectus contemplated by <U>Section</U><U></U><U>&nbsp;4(i)</U> or until it is advised in writing by the Company that use of the applicable Prospectus may
resume, and, if so directed by the Company, such Holder or Exchanging Dealer will deliver to the Company (at the Company&#146;s expense) all copies in such Holder&#146;s or Exchanging Dealer&#146;s possession, other than permanent file copies, of
the Prospectus covering such New Notes or Exchange Notes that was current at the time of receipt of such notice. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The
Company shall use its commercially reasonable efforts to prevent the issuance and, if issued, to obtain the withdrawal at the earliest practicable time of any order suspending the effectiveness of any Registration Statement or the qualification of
the securities therein for sale in any jurisdiction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Prior to the effective date of any Registration Statement, the
Company will use its commercially reasonable efforts to register or qualify, or cooperate with the Holders of New Notes or Exchange Notes included therein and their respective counsel in connection with the registration or qualification of, such New
Notes or Exchange Notes for offer and sale under the securities or blue sky laws of such jurisdictions as any such Holder reasonably requests in writing and do any and all other acts or things necessary or advisable to enable the offer and sale in
such jurisdictions of the New Notes or Exchange Notes covered by such Registration Statement; provided that, the Company will not be required to qualify as a broker-dealer or generally to do business in any jurisdiction where it is not then so
qualified or to take any action which would subject it to general service of process or to taxation in any such jurisdiction where it is not then so subject. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company shall furnish to each Holder of New Notes covered by any
Shelf Registration Statement, without charge and upon request in writing, at least one conformed copy of such Shelf Registration Statement and any post-effective amendment thereto, and, if the Holder so requests in writing, all material incorporated
therein by reference and all exhibits thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The Company shall, during the Shelf Registration Period, promptly
deliver to each Holder of New Notes covered by any Shelf Registration Statement, without charge, as many copies of the Prospectus (including each preliminary Prospectus) included in such Shelf Registration Statement and any amendment or supplement
thereto as such person may reasonably request. The Company consents to the use of the Prospectus or any amendment or supplement thereto by each of the foregoing in connection with the offering and sale of the New Notes covered by the Prospectus, or
any amendment or supplement thereto, included in the Shelf Registration Statement in accordance with applicable law and the terms hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) The Company shall furnish to each Exchanging Dealer that so requests, without charge, at least one conformed copy of the
Exchange Offer Registration Statement and any post-effective amendment thereto, and, if the Exchanging Dealer so requests in writing, all material incorporated by reference therein and all exhibits thereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) The Company shall promptly deliver to you, each Exchanging Dealer and each other person required to deliver a prospectus
during the Exchange Offer Registration Period, without charge, as many copies of the final Prospectus included in such Exchange Offer Registration Statement and any amendment or supplement thereto as any such person may reasonably request. The
Company consents to the use of such Prospectus or any amendment or supplement thereto by you, any Exchanging Dealer and any such other person that may be required to deliver a prospectus following the Registered Exchange Offer in connection with the
offering and sale of the Exchange Notes covered by the Prospectus, or any amendment or supplement thereto, included in the Exchange Offer Registration Statement in accordance with applicable law and the terms hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Upon the occurrence of any event contemplated by subsections&nbsp;(ii) through (v)&nbsp;of
<U>Section</U><U></U><U>&nbsp;4(b)</U> hereof during the period for which the Company is required to maintain an effective Registration Statement, the Company shall promptly prepare a post-effective amendment to the applicable Registration Statement
or an amendment or supplement to the related Prospectus or file any other required document so that, as thereafter delivered to the purchasers of the securities covered thereby, the Prospectus will not include an untrue statement of a material fact
or omit to state any material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; provided that, during the Exchange Offer Registration Period or
the Shelf Registration Period, the Company shall not be required to amend or supplement a Registration Statement or Prospectus, in the event that, and for a period not to exceed&nbsp;120&nbsp;days in any
<FONT STYLE="white-space:nowrap">consecutive&nbsp;12-month</FONT> period, the Company determines in good faith that the disclosure of any such event would be materially adverse to the Company or otherwise relates to a pending business transaction
that has not yet been publicly disclosed. In such circumstances, the Exchange Offer </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Registration Period and the Shelf Registration&nbsp;Period shall each be extended by the number of days from and including the date of the giving of a notice of suspension pursuant to
<U>Section</U><U></U><U>&nbsp;4(b)</U> hereof to and including the date the Holders of New Notes and Exchanging Dealers shall have received such amended or supplemented Prospectus pursuant to this <U>Section</U><U></U><U>&nbsp;4(i)</U>. </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(j)&nbsp;(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Not later than the effective date of the Exchange Offer Registration Statement, the Company shall provide a
CUSIP number for the Exchange Notes registered under the Exchange Offer Registration Statement. Not later than the date of the closing of the Exchange Offer, the Company shall provide the Trustee with printed certificates for such Exchange Notes,
free of any restrictive legends, in a form eligible for deposit with DTC. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;&nbsp;&nbsp;(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">On the first Business Day following the effective date of any Shelf Registration Statement hereunder or as soon
as possible thereafter, the Company shall use its reasonable efforts to establish with the Trustee a procedure by which Holders of New Notes that are &#147;restricted securities&#148; within the meaning of Rule 144(a)(3) under the Act may transfer,
upon completion of a sale of New Notes under such Shelf Registration Statement, their interests therein to an &#147;unrestricted&#148; global security free of any stop or restriction on DTC&#146;s system with respect to the New Notes, including the
issuance of an applicable CUSIP number with respect to such unrestricted securities; provided, however that this <U>Section</U><U></U><U>&nbsp;4(j)(ii)</U> shall be applicable only to Holders that are named as selling Holders in the Shelf
Registration Statement and agree in writing to be bound by all of the provisions of this Agreement applicable to such Holder. Upon compliance with the foregoing requirements of this <U>Section</U><U></U><U>&nbsp;4(j)(ii)</U>, the Company shall
provide the Trustee with printed certificates for such New Notes in a form eligible for deposit with DTC. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">In the event
the Company is unable to cause DTC to take the actions described in this <U>Section</U><U></U><U>&nbsp;4(j)</U>, the Company shall take such actions reasonably necessary to provide, as soon as practicable, a CUSIP number, if necessary, for the New
Notes registered and sold under the Shelf Registration Statement and to cause the CUSIP number described in clause&nbsp;(i) or clause&nbsp;(ii) above to be assigned to the New Notes or Exchange Notes, as the case may be (or to the maximum aggregate
principal amount of the New Notes or Exchange Notes, as the case may be, to which such number may be assigned). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) The
Company shall comply with all applicable rules and regulations of the Commission and shall make generally available to its security holders as soon as practicable after the effective date of the applicable Registration Statement an earnings
statement satisfying the provisions of Section&nbsp;11(a) of the Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) The Company may require each Holder of New Notes to be registered
pursuant to any Shelf Registration Statement to furnish to the Company such information regarding the Holder and the distribution of such New Notes as the Company may from time to time reasonably require for inclusion in such Shelf Registration
Statement, and each such Holder shall promptly furnish to the Company any additional information required in order to make the information previously disclosed to the Company under this <U>Section</U><U></U><U>&nbsp;4(l)</U> not misleading. The
Company may exclude from such Shelf Registration Statement the New Notes of any Holder that fails to furnish such information within a reasonable time after receiving such request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) The Company shall, if requested, use its commercially reasonable efforts to incorporate promptly in a Prospectus supplement
or post-effective amendment to a Shelf Registration Statement such information as a Holder of New Notes to be sold pursuant to any Shelf Registration Statement may reasonably provide from time to time to the Company in writing for inclusion in a
Prospectus or any Shelf Registration Statement concerning such Holder and the distribution of such Holder&#146;s New Notes and shall make all required filings of such Prospectus supplement or post-effective amendment as soon as reasonably
practicable after receipt of notification of the matters to be incorporated in such Prospectus supplement or post-effective amendment; provided, however, that notwithstanding anything else in this Agreement to the contrary, the Company shall not be
obligated to make such updates more than once per month. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) If a Registered Exchange Offer is to be consummated, upon
delivery of the New Notes by Holders to the Company (or to such other person as directed by the Company) in exchange for the Exchange Notes, the Company shall mark, or cause to be marked, on the New Notes so exchanged that such New Notes are being
cancelled in exchange for the Exchange Notes. In no event shall the New Notes be marked as paid or otherwise satisfied. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>5.</B>
<B>Registration Expenses</B>. The Company shall bear all expenses incurred in connection with the performance of its obligations under <U>Section</U><U></U><U>&nbsp;2</U>,<U> Section</U><U></U><U>&nbsp;3</U> and <U>Section</U><U></U><U>&nbsp;4</U>
hereof and, in the case of any Exchange Offer Registration Statement, will reimburse the Dealer Managers for the reasonable fees and disbursements of Cleary Gottlieb Steen&nbsp;&amp; Hamilton LLP, acting as counsel to the Dealer Managers in
connection therewith. The Company shall not be responsible for reimbursement of any fees and disbursements of Cleary Gottlieb Steen&nbsp;&amp; Hamilton LLP, acting as counsel to the Dealer Managers, in connection with a Shelf Registration Statement
in an aggregate amount in excess of $5,000. Anything contained herein to the contrary notwithstanding, the Company shall not have any obligation whatsoever in respect of any underwriters&#146; discounts or commissions, brokerage commissions,
dealers&#146; selling concessions, transfer taxes or, except as otherwise expressly set forth herein, any other selling expenses incurred in connection with the underwriting, offering or sale of New Notes or Exchange Notes by or on behalf of any
person. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>6.</B> <B>Indemnification and Contribution</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company agrees to indemnify and hold harmless each Holder of New Notes covered by any Shelf Registration Statement,
each Exchanging Dealer with respect to any Prospectus delivery as contemplated in Section&nbsp;4(h) hereof and each person who controls any such Holder or Exchanging Dealer within the meaning of either Section&nbsp;15 of the Act or Section&nbsp;20
of the Exchange Act, from and against any and all losses, claims, damages and liabilities (including, without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) caused
by any untrue statement or alleged untrue statement of a material fact contained in any Registration Statement or any amendment thereof, any preliminary Prospectus or Prospectus or any amendment or supplement thereto, any &#147;issuer free writing
prospectus&#148; as defined in Rule 433(h) under the Act (an &#147;Issuer FWP&#148;) or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act, or caused by any omission or alleged omission to state
therein a material fact required to be stated therein or necessary to make the statements therein (in the case of a Prospectus, in light of the circumstances under which they were made) not misleading, except insofar as such losses, claims, damages
or liabilities are caused by any such untrue statement or omission or alleged untrue statement or omission based upon information relating to any such Holder or Exchanging Dealer furnished to the Company in writing by such Holder or Exchanging
Dealer expressly for use therein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Holder of New Notes covered by a Shelf Registration Statement and each
Exchanging Dealer with respect to any Prospectus delivery as contemplated in Section&nbsp;4(h) hereof agrees, severally and not jointly, to indemnify and hold harmless the Company, the directors of the Company, the officers of the Company who sign
the Shelf Registration Statement and each person, if any, who controls the Company within the meaning of either Section&nbsp;15 of the Act or Section&nbsp;20 of the Exchange Act from and against any and all losses, claims, damages and liabilities
(including, without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) caused by any untrue statement or alleged untrue statement of a material fact contained in any
Registration Statement or any amendment thereof, any preliminary Prospectus or Prospectus or any amendment or supplement thereto, any Issuer FWP or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act,
or caused by any omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein (in the case of a Prospectus, in light of the circumstances under which they were made) not
misleading, but only with reference to information relating to such Holder or Exchanging Dealer furnished to the Company in writing by such Holder or Exchanging Dealer expressly for use in any Registration Statement or any amendment thereof, any
preliminary Prospectus or Prospectus or any amendment or supplement thereto, any Issuer FWP or any Company information that the Company is required to file pursuant to Rule 433(d) under the Act; provided however that no such Holder or Exchanging
Dealer shall be liable for any losses hereunder in excess of the amount of net proceeds received by such Holder or Exchanging Dealer from the sale of New Notes or Exchange Notes pursuant to such Registration Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) In case any proceeding (including any governmental investigation) shall be instituted involving any person in respect of
which indemnity may be sought pursuant to Section&nbsp;6(a) or 6(b), such person (the &#147;indemnified party&#148;) shall promptly notify the person against whom such indemnity may be sought (the &#147;indemnifying party&#148;) in
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
writing and the indemnifying party shall be entitled to participate in such proceeding and, to the extent that it shall wish, jointly with any other indemnifying party similarly notified, to
assume the defense thereof, with counsel reasonably satisfactory to such indemnified party, and, except as provided in the following sentence, after notice from the indemnifying party to such indemnified party of its election so to assume the
defense thereof, the indemnifying party shall not be liable to such indemnified party under such subsection for any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection
with the defense thereof other than reasonable costs of investigation. In any such proceeding, any indemnified party shall have the right to retain its own counsel, but the fees and expenses of such counsel shall be at the expense of such
indemnified party unless (i)&nbsp;the indemnifying party and the indemnified party shall have mutually agreed to the retention of such counsel, (ii)&nbsp;the named parties to any such proceeding (including any impleaded parties) include both the
indemnifying party and the indemnified party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them, (iii)&nbsp;the indemnifying party has failed within a reasonable
time to retain counsel reasonably satisfactory to the indemnified party or (iv)&nbsp;the indemnified party shall have reasonably concluded there may be legal defenses available to it that are different from or additional to those available to the
indemnifying party. It is understood that the indemnifying party shall not, in respect of the legal expenses of any indemnified party in connection with any proceeding or related proceedings in the same jurisdiction, be liable for the fees and
expenses of more than one separate firm (in addition to any local counsel) for all such indemnified parties, and that all such fees and expenses shall be reimbursed as they are incurred. In the case of any such separate firm for the Holders or
Exchanging Dealers and such control persons and affiliates of any Holders or Exchanging Dealers, such firm shall be designated in writing by a majority of such Holders and Exchanging Dealers. In the case of any such separate firm for the Company,
and such directors, officers and control persons of the Company, such firm shall be designated in writing by the Company. The indemnifying party shall not be liable for any settlement of any proceeding effected without its written consent, but if
settled with such consent or if there be a final judgment for the plaintiff, the indemnifying party agrees to indemnify the indemnified party from and against any loss or liability by reason of such settlement or judgment. Notwithstanding the
foregoing sentence, if at any time an indemnified party shall have requested an indemnifying party to reimburse the indemnified party for fees and expenses of counsel as contemplated by the second and third sentences of this paragraph, the
indemnifying party agrees that it shall be liable for any settlement of any proceeding effected without its written consent if (i)&nbsp;such settlement is entered into more than 60 days after receipt by such indemnifying party of the aforesaid
request and (ii)&nbsp;such indemnifying party shall not have reimbursed the indemnified party in accordance with such request prior to the date of such settlement. No indemnifying party shall, without the prior written consent of the indemnified
party, effect any settlement of any pending or threatened proceeding in respect of which any indemnified party is or could have been a party and indemnity could have been sought hereunder by such indemnified party, unless such settlement
(x)&nbsp;includes an unconditional release of such indemnified party, in form and substance reasonably satisfactory to such indemnified party, from all liability on claims that are the subject matter of such proceeding and (y)&nbsp;does not include
any statement as to or admission of fault, culpability or failure to act by or on behalf of any indemnified party. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) To the extent the indemnification provided for in Section&nbsp;6(a) or
6(b) is unavailable to an indemnified party or insufficient in respect of any losses, claims, damages or liabilities referred to therein, then each indemnifying party under such paragraph, in lieu of indemnifying such indemnified party thereunder,
shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims, damages or liabilities (i)&nbsp;in such proportion as is appropriate to reflect the relative benefits received by the indemnifying party or
parties on the one hand and the indemnified party or parties on the other hand from the exchange of New Notes, pursuant to the Registered Exchange Offer, or (ii)&nbsp;if the allocation provided by clause 6(d)(i) above is not permitted by applicable
law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause 6(d)(i) above but also the relative fault of the indemnifying party or parties on the one hand and of the indemnified party or parties on the
other hand in connection with the statements or omissions that resulted in such losses, claims, damages or liabilities, as well as any other relevant equitable considerations. The relative benefits received by the Company on the one hand and the
Holders or Exchanging Dealers on the other shall be deemed to be in the same respective proportion as is appropriate to reflect the relative benefit received by the Company from the offering of the New Notes, on the one hand, and by the Holders or
Exchanging Dealers from receiving the New Notes registered under the Act, on the other hand, or if the allocation provided by the foregoing clause&nbsp;is not permitted by applicable law, in such proportion as is appropriate to reflect not only the
relative benefits referred to but also the relative fault of the indemnifying party or parties on the one hand and of the indemnified party or parties on the other hand in connection with the statements or omissions that resulted in such losses,
claims, damages or liabilities, as well as any other relevant equitable considerations. The relative fault of the Company on the one hand and the Holders or Exchanging Dealers on the other hand shall be determined by reference to, among other
things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact relates to information supplied by the Company or by such Holder or Exchanging Dealer and the parties&#146;
relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. The Holders and Exchanging Dealer respective obligations to contribute pursuant to this Section&nbsp;6 are several in proportion to
the respective net proceeds received by such Holder or Exchanging Dealer for the sale of the New Notes pursuant to a Registration Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company and the Holders and Exchanging Dealers agree that it would not be just or equitable if contribution pursuant to
this Section&nbsp;6 were determined by pro rata allocation (even if the Holders and Exchanging Dealers were treated as one entity for such purpose) or by any other method of allocation that does not take account of the equitable considerations
referred to in Section&nbsp;6(d). The amount paid or payable by an indemnified party as a result of the losses, claims, damages and liabilities referred to in Section&nbsp;6(d) shall be deemed to include, subject to the limitations set forth above,
any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending any such action or claim. Notwithstanding the provisions </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
of this Section&nbsp;6, no Holder or Exchanging Dealers shall be required to contribute any amount in excess of the amount by which the net proceeds received by such Holder or Exchanging Dealer
for the sale of the New Notes pursuant to a Registration Statement exceeds the amount of any damages that such Holder or Exchanging Dealer has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged
omission. No person guilty of fraudulent misrepresentation (within the meaning of Section&nbsp;11(f) of the Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The remedies provided for in
this Section&nbsp;6 are not exclusive and shall not limit any rights or remedies which may otherwise be available to any indemnified party at law or in equity. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The indemnity and contribution provisions contained in this Section&nbsp;6 and the representations, warranties and other
statements of the Company contained in this Agreement shall remain operative and in full force and effect regardless of (i)&nbsp;any termination of this Agreement, (ii)&nbsp;any investigation made by or on behalf of any Holder or Exchanging Dealer,
any person controlling any Holder or Exchanging Dealer or any affiliate of any Holder or Exchanging Dealer, or the Company, its officers or directors or any person controlling the Company and (iii)&nbsp;acceptance of and payment for any of the New
Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>7.</B> <B>Rule</B><B></B><B>&nbsp;144 and</B><B></B><B>&nbsp;144A</B>. The Company shall, upon request of any Holder of
Transfer-Restricted Securities, make available such information as is required so long as necessary to permit sales of such Holder&#146;s securities pursuant to Rule&nbsp;144A. Upon the written request of any Holder of Transfer-Restricted
Securities, the Company shall deliver to such Holder a written statement as to whether it has complied with such requirements. Notwithstanding the foregoing, nothing in this <U>Section</U><U></U><U>&nbsp;7</U> shall be deemed to require the Company
to register any of its securities pursuant to the Exchange Act, or file reports thereunder, except as may be required by law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>8.</B>
<B>No Inconsistent Agreements</B>. The Company has not, as of the date hereof, entered into, nor shall it on or after the date hereof, enter into, any agreement with respect to any of its securities that is inconsistent with the rights granted to
the Holders herein or that otherwise conflicts with the provisions hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>9.</B> <B>Timing of Obligations</B>. If any of the
Company&#146;s obligations pursuant to <U>Section</U><U></U><U>&nbsp;2</U> or <U>Section</U><U></U><U>&nbsp;3</U> hereof would come due on a day that is not a Business Day, then such obligation shall be due on the next succeeding Business Day. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>10.</B> <B>Amendments and Waivers</B>. The provisions of this Agreement may not be amended, modified or supplemented, and waivers or
consents to departures from the provisions hereof may not be given, in any case as to the New Notes or the Exchange Notes, unless the Company has obtained the written consent of Holders of a majority in aggregate principal amount of the New Notes
and the Exchange Notes that constitute Transfer-Restricted Securities, taken as a single class. In addition, a waiver or consent to depart from the provisions hereof with respect to a matter that relates exclusively to the rights of Holders whose
Transfer-Restricted Securities or Exchange Notes are being sold pursuant to a Registration Statement and that does not directly or indirectly affect the rights of other Holders may be given by Holders of a majority in aggregate principal amount of
such Transfer-Restricted Securities or Exchange Securities, as applicable, being sold by such Holders pursuant to such Registration Statement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>11.</B> <B>Notices</B>. Except as otherwise provided in this Agreement, all notices and
other communications provided for or permitted hereunder shall be made in writing by hand-delivery, first-class mail, telex, telecopier or air courier guaranteeing overnight delivery: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) if to a Holder, at the most current address given by such Holder to the Company in accordance with the provisions of this
<U>Section</U><U></U><U>&nbsp;11</U>, which address initially is, with respect to each Holder, the address of such Holder maintained by the Registrar under the Indenture; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) if to you, initially at the address set forth in the Dealer Manager Agreement; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) if to the Company, initially at the Company&#146;s address set forth in the Dealer Manager Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">All such notices and communications shall be deemed to have been duly given when received. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">So long as the New Notes are in global form registered in the name of DTC, Holders will be deemed to have received any notices referred to
hereunder upon receipt of such notice by DTC for distribution to its participants. Each party hereto by notice to the other parties may designate additional or different addresses of such party for subsequent notices or communications. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>12.</B> <B>Successors</B>. This Agreement shall be binding upon the successors, assigns and transferees of each of the parties, including,
without limitation and without need for an express assignment, subsequent Holders. If any transferee of any Holder shall acquire New Notes or Exchange Notes in any manner, whether by operation of law or otherwise, such Holder shall be deemed to have
agreed to be bound by and subject to all the terms of this Agreement, and by taking and holding such New Notes or Exchange Notes such transferee shall be conclusively deemed to have agreed to be bound by and to perform all of the terms and
provisions of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>13.</B> <B>Electronic Delivery and Counterparts</B>. This Agreement may be signed in counterparts, each
of which shall be deemed an original and all of which together shall constitute one and the same agreement. Delivery of this Agreement by one party to the other may be made by facsimile, electronic mail (including any electronic signature complying
with the New York Electronic Signatures and Records Act (N.Y. State Tech. &#167;&#167; <FONT STYLE="white-space:nowrap">301-309),</FONT> as amended from time to time, or other applicable law) or other transmission method, and the parties hereto
agree that any counterpart so delivered shall be deemed to have been duly and validly delivered and be valid and effective for all purpose </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>14.</B> <B>Headings</B>. The headings used herein are for convenience only and shall not affect the construction hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>15.</B> <B>Applicable Law</B>. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York without regard to principles of conflict of laws to the extent the same are not mandatorily applicable by statute and would permit or require the application of the laws of another jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>16.</B> <B>Severability</B>. In the event that any one or more of the provisions contained herein, or the application thereof in any
circumstances, is held invalid, illegal or unenforceable in any respect for any reason, the validity, legality and enforceability of any such provision in every other respect and of the remaining provisions hereof shall not be in any way impaired or
affected thereby, it being intended that all of the rights and privileges of the parties shall be enforceable to the fullest extent permitted by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>17.</B> <B>Termination</B>. This Agreement and the obligations of the parties hereunder shall terminate upon the expiration of the Shelf
Registration Period, except for any liabilities or obligations under <U>Section</U><U></U><U>&nbsp;5</U> and <U>Section</U><U></U><U>&nbsp;6</U> hereof, each of which shall remain in effect in accordance with its terms. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the foregoing is in accordance with your understanding of our agreement, please sign and
return to us the enclosed duplicate hereof, whereupon this letter and your acceptance shall represent a binding agreement among the Company and the Dealer Managers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Very truly yours, </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David P. Russell</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Senior Vice President and Assistant Secretary</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to
Registration Rights Agreement] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CREDIT SUISSE SECURITIES (USA) LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Brian Carlin</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Brian Carlin</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to
Registration Rights Agreement] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">BARCLAYS CAPITAL INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Pamela Au</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Pamela Au</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Managing Director</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to
Registration Rights Agreement] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">BOFA SECURITIES, INC. </TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David Scott</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">David Scott</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Managing Director</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to
Registration Rights Agreement] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS CAPITAL MARKETS, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Michele Goodenough</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Michele Goodenough</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to
Registration Rights Agreement] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account pursuant to the Registered Exchange Offer must acknowledge that it will
deliver a prospectus in connection with any resale of such Exchange Notes. [The Letter of Transmittal states that by][By] so acknowledging and by delivering a prospectus, a Broker-Dealer will not be deemed to admit that it is an
&#147;underwriter&#148; within the meaning of the Act. This Prospectus, as it may be amended or supplemented from time to time, may be used by a Broker-Dealer in connection with resales of Exchange Notes received in exchange for New Notes where such
New Notes were acquired by such Broker-Dealer as a result of market-making activities or other trading activities. The Company has agreed that, starting on the date the Exchange Offer Registration Statement is declared effective and ending on the
close of business&nbsp;90&nbsp;days after such date, it will make this Prospectus available to any Broker-Dealer for use in connection with any such resale. See &#147;Plan of Distribution.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;B </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account in exchange for New Notes, where such New Notes were acquired by such
Broker-Dealer as a result of market- making activities or other trading activities, must acknowledge that it will deliver a prospectus in connection with any resale of such Exchange Notes. See &#147;Plan of Distribution.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;C </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PLAN OF DISTRIBUTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Broker-Dealer that receives Exchange Notes for its own account pursuant to the Registered Exchange Offer must acknowledge that it will
deliver a prospectus (the &#147;Prospectus&#148;) in connection with any resale of such Exchange Notes. This Prospectus, as it may be amended or supplemented from time to time, may be used by a Broker-Dealer in connection with resales of Exchange
Notes received in exchange for New Notes where such New Notes were acquired as a result of market-making activities or other trading activities. The Company has agreed that, starting on the date the Exchange Offer Registration Statement is declared
effective and ending on the close of business&nbsp;90&nbsp;days after such date, they will make this Prospectus, as amended or supplemented, available to any Broker-Dealer for use in connection with any such resale. In addition, until _________,
20__, all dealers effecting transactions in the Exchange Notes may be required to deliver a prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will not receive any
proceeds from any sale of Exchange Notes by Broker- Dealers. Exchange Notes received by Broker-Dealers for their own account pursuant to the Registered Exchange Offer may be sold from time to time in one or more transactions in the <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">over-the-counter</FONT></FONT> market, in negotiated transactions, through the writing of options on the Exchange Notes or a combination of such methods of resale, at market prices
prevailing at the time of resale, at prices related to such prevailing market prices or negotiated prices. Any such resale may be made directly to purchasers or to or through brokers or dealers who may receive compensation in the form of commissions
or concessions from any such Broker-Dealer or the purchasers of any such Exchange Notes. Any Broker-Dealer that resells Exchange Notes that were received by it for its own account pursuant to the Registered Exchange Offer and any broker or dealer
that participates in a distribution of such Exchange Notes may be deemed to be an &#147;underwriter&#148; within the meaning of the Act and any profit of any such resale of Exchange Notes and any commissions or concessions received by any such
persons may be deemed to be underwriting compensation under the Act. [The Letter of Transmittal states that by][By] acknowledging that it will deliver and by delivering a prospectus, a Broker-Dealer will not be deemed to admit that it is an
&#147;underwriter&#148; within the meaning of the Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For a period of&nbsp;90&nbsp;days after the date the Exchange Offer Registration
Statement is declared effective, the Company shall promptly send additional copies of this Prospectus and any amendment or supplement to this Prospectus to any Broker-Dealer that requests such documents [in the Letter of Transmittal]. The Company
has agreed to pay all expenses incident to the Registered Exchange Offer other than commissions or concessions of any brokers or dealers and will indemnify the holders of the New Notes (including any Broker-Dealers) against certain liabilities,
including liabilities under the Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">[If applicable, add information required by Items&nbsp;507 and&nbsp;508 of <FONT
STYLE="white-space:nowrap">Regulation&nbsp;S-K.]</FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ANNEX&nbsp;D </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Rider A </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">CHECK HERE IF YOU ARE A BROKER-DEALER WHO HOLDS NEW NOTES ACQUIRED AS A RESULT OF MARKET MAKING OR OTHER
TRADING ACTIVITIES AND WISH TO RECEIVE&nbsp;10 ADDITIONAL COPIES OF THE PROSPECTUS AND&nbsp;10 COPIES OF ANY AMENDMENTS OR SUPPLEMENTS THERETO FOR USE IN CONNECTION WITH RESALES OF EXCHANGE NOTES RECEIVED IN EXCHANGE FOR SUCH NEW NOTES.
</P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Name:_________________________ </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Address: _______________________ </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
_______________________ </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Rider B </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the undersigned is not a
Broker-Dealer, the undersigned represents that it acquired the Exchange Notes in the ordinary course of its business, it is not engaged in, and does not intend to engage in, a distribution of Exchange Notes and it has no arrangements or
understandings with any person to participate in a distribution of the Exchange Notes. If the undersigned is a Broker- Dealer that will receive Exchange Notes for its own account in exchange for New Notes, it represents that the New Notes to be
exchanged for Exchange Notes were acquired by it as a result of market-making activities or other trading activities and acknowledges that it will deliver a prospectus in connection with any resale of such Exchange Notes; however, by so
acknowledging and by delivering a prospectus, the undersigned will not be deemed to admit that it is an &#147;underwriter&#148; within the meaning of the Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>11
<FILENAME>d122408dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 99.1 </P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="right">


<IMG SRC="g122408g08s04.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">February&nbsp;11, 2021 </P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="70%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="28%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"><B>Media:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Peter Lucht&#151;781.655.2289</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"><B>Investors:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Kristin Silberberg&#151;203.900.6854</TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Citizens Financial Group Announces Final Results of its Private Exchange Offers for Five Series of
Subordinated Notes </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Providence, R.I. &#150; Citizens Financial Group, Inc. (&#147;Citizens&#148;) (NYSE: CFG) today announced the final results of its
previously announced offers to exchange five series of its outstanding subordinated notes. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exchange Offers </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The transaction consisted of five concurrent, but separate, private offers to exchange (the &#147;Exchange Offers&#148;) any and all of Citizens&#146;
outstanding series of subordinated notes under &#147;Title of Series of Old Notes&#148; described in the table below (collectively, the &#147;Old Notes&#148;) for (i)&nbsp;one of three new series of subordinated notes set forth opposite the
applicable series of Old Notes under &#147;Title of Series of New Notes&#148; in the table below (collectively, the &#147;New Notes&#148;) and (ii)&nbsp;solely with respect to the 4.300% Subordinated Notes due 2025, an additional cash payment, in
each case, on the terms and subject to the conditions set forth in the Offering Memorandum dated January&nbsp;12, 2021 (the &#147;Offering Memorandum&#148; and, together with the accompanying eligibility certification, the &#147;Exchange Offer
Documents&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Exchange Offers expired at 11:59 p.m. (Eastern time) on February&nbsp;9, 2021 and were settled today, February&nbsp;11, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On the terms and subject to the conditions set forth in the Offering Memorandum, the aggregate principal amounts of each series of Old Notes specified in the
rightmost column in the table below were validly tendered and not validly withdrawn, and accepted by Citizens, in connection with the Exchange Offers. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="8" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description of the Old Notes</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>CUSIP Number</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Title&nbsp;of&nbsp;Series&nbsp;of&nbsp;Old&nbsp;Notes</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Principal&nbsp;Amount&nbsp;of<BR>Old&nbsp;Notes&nbsp;Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Title&nbsp;of&nbsp;Series<BR>of New Notes</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Principal&nbsp;Amount&nbsp;of&nbsp;Old<BR>Notes Validly Tendered<BR>and Accepted</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">75524RAA7 /<BR>U7535RAA4</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.150%&nbsp;Subordinated&nbsp;Notes&nbsp;due&nbsp;2022</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">181,927,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">4.300%&nbsp;Fixed&nbsp;Rate&nbsp;Reset<BR>Subordinated&nbsp;Notes&nbsp;due&nbsp;2031</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"> 13,450,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">174610AL9</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.750%&nbsp;Subordinated&nbsp;Notes&nbsp;due&nbsp;2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">158,629,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">3.750%&nbsp;Fixed&nbsp;Rate&nbsp;Reset<BR>Subordinated&nbsp;Notes due 2031</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"> 68,710,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">174610AC9</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.023% Subordinated Notes due 2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"> 25,200,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">4.300% Fixed Rate Reset<BR>Subordinated Notes due 2031</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"> 8,500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">174610AJ4</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.350% Subordinated Notes due 2025</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">194,016,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">4.350% Fixed Rate Reset<BR>Subordinated Notes due 2031</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"> 60,547,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">174610AK1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.300% Subordinated Notes due 2025</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">450,162,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">4.300% Fixed Rate Reset<BR>Subordinated Notes due 2031</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">113,880,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Upon the terms and subject to the conditions set forth in the Exchange Offer Documents, Citizens issued (i) $134,632,000
aggregate principal amount of its 4.300% Fixed Rate Reset Subordinated Notes due 2031, (ii) $68,710,000 aggregate principal amount of its 3.750% Fixed Rate Reset Subordinated Notes due 2031 and (iii) $60,547,000 aggregate principal amount of its
4.350% Fixed Rate Reset Subordinated Notes due 2031, in each case, as part of the Total Consideration (as defined in the Offering Memorandum) for the applicable series of Old Notes accepted in the Exchange Offers. Citizens did not receive any cash
proceeds from the Exchange Offers. The Company (i)&nbsp;solely with respect to its 4.300% Subordinated Notes due 2025, paid aggregate additional cash consideration of $569,400 and (ii)&nbsp;paid accrued and unpaid interest of $1,614,109.70, in each
case, in exchange for the Old Notes validly tendered and accepted by the Company pursuant to the Exchange Offers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The New Notes have not been registered
under the Securities Act of 1933, as amended (the &#147;Securities Act&#148;) or any state securities laws. Therefore, the New Notes may not be offered or sold in the United States absent registration or an applicable exemption from the registration
requirements of the Securities Act and any applicable state securities laws. Citizens has entered into a registration rights agreement with respect to each series of New Notes. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Only holders who had duly completed and returned an eligibility certification certifying that they were
either (1) &#147;qualified institutional buyers&#148; as defined in Rule 144A under the Securities Act (&#147;QIBs&#148;) or <FONT STYLE="white-space:nowrap">(2)&nbsp;non-&#147;U.S.</FONT> persons&#148; (as defined in Rule 902 under the Securities
Act) that (a)&nbsp;are located outside of the United States, (b)&nbsp;are not acquiring New Notes for the account or benefit of a U.S. Person, and (c)&nbsp;are <FONT STYLE="white-space:nowrap">Non-U.S.</FONT> Qualified Offerees (as defined in the
Offering Memorandum) were authorized to receive the Offering Memorandum and to participate in the Exchange Offers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Global Bondholder Services Corporation
acted as the Information Agent and the Exchange Agent for the Exchange Offers. Questions or requests for assistance related to the Exchange Offers may be directed to Global Bondholder Services Corporation at (866)
<FONT STYLE="white-space:nowrap">470-3800</FONT> (toll free) or (212) <FONT STYLE="white-space:nowrap">430-3774</FONT> (collect). You may also contact your broker, dealer, commercial bank, trust company or other nominee for assistance concerning the
Exchange Offers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>This press release is for informational purposes only and does not constitute an offer to purchase, or a solicitation of an offer to
sell, any Old Notes, and does not constitute an offer to sell, or a solicitation of an offer to purchase, any New Notes. The Exchange Offers are being made solely pursuant to the Offering Memorandum and related documents. The Exchange Offers are not
being made to holders of Old Notes in any jurisdiction in which the making or acceptance thereof would not be in compliance with the securities, blue sky or other laws of such jurisdiction. In any jurisdiction in which the securities laws or blue
sky laws require the Exchange Offers to be made by a licensed broker or dealer, the Exchange Offers will be deemed to be made on behalf of Citizens by the dealer managers or one or more registered brokers or dealers that are licensed under the laws
of such jurisdiction. </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>This communication is not a prospectus for the purposes of the Prospectus Regulation. The expression &#147;Prospectus
Regulation&#148; means Regulation (EU) 2017/1129, as amended, and includes any relevant implementing measure in any member state (&#147;Member State&#148;) of the European Economic Area (the &#147;EEA&#148;) which has implemented the Prospectus
Regulation. </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>PROHIBITION OF OFFERS TO EEA RETAIL INVESTORS. The New Notes are not intended to be offered or otherwise made available to and should
not be offered or otherwise made available to any retail investor in the EEA. For these purposes, a retail investor means a person who is one (or more) of: (i)&nbsp;a retail client as defined in point (11)&nbsp;of Article 4(1) of Directive
2014/65/EU, as amended (&#147;MiFID II&#148;); (ii) a customer within the meaning of Directive (EU) 2016/97, as amended (the &#147;Insurance Distribution Directive&#148;), where that customer would not qualify as a professional client as defined in
point (10)&nbsp;of Article 4(1) of MiFID II; or (iii)&nbsp;not a qualified investor as defined in the Prospectus Regulation. Consequently, no key information document required by Regulation (EU) No 1286/2014, as amended (the &#147;PRIIPs
Regulation&#148;), for offering the New Notes or otherwise making them available to retail investors in the EEA has been prepared and therefore offering of the New Notes or otherwise making them available to any retail investor in the EEA may be
unlawful under the PRIIPs Regulation. </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>PROHIBITION OF SALES TO UK RETAIL INVESTORS. The New Notes are not intended to be offered or otherwise made
available to and should not be offered or otherwise made available to any retail investor in the UK. For these purposes: the expression &#147;retail investor&#148; means a person who is one (or more) of the following: (i)&nbsp;a retail client, as
defined in point (8)&nbsp;of Article 2 of Regulation (EU) No 2017/565 as it forms part of domestic law by virtue of the EUWA; or (ii)&nbsp;a customer within the meaning of the provisions of the Financial Services and Markets Act 2000
(&#147;FSMA&#148;) and any rules or regulations made under the FSMA to implement the Insurance Distribution Directive, where that customer would not qualify as a professional client, as defined in point (8)&nbsp;of Article 2(1) of Regulation (EU) No
600/2014 as it forms part of domestic law by virtue of the EUWA; or (iii)&nbsp;not a qualified investor as defined in Article 2 of the Prospectus Regulation as it forms part of domestic law by virtue of the EUWA. Consequently, no key information
document required by the PRIIPs Regulation as it forms part of domestic law by virtue of the EUWA (the &#147;UK PRIIPs Regulation&#148;) for offering or selling the New Notes or otherwise making them available to retail investors in the UK has been
prepared and therefore offering or selling the New Notes or otherwise making them available to any retail investor in the UK may be unlawful under the UK PRIIPs Regulation. </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>In the United Kingdom, this press release is being distributed only to, and is directed only at qualified
investors within the meaning of Article 2(e) of the Prospectus Regulation as it forms a part of domestic law by virtue of the EUWA who are (i)&nbsp;persons who have professional experience in matters relating to investments falling within Article
19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended, the &#147;Order&#148;), and/ or (ii)&nbsp;high net worth companies (or persons to whom it may otherwise be lawfully communicated) falling within
Article 49(2)(a) to (d)&nbsp;of the Order, which persons together we refer to in this press release as &#147;relevant persons.&#148; Accordingly, such documents and/or materials are not being distributed to, and must not be passed on to, the general
public in the United Kingdom. This press release must not be acted on or relied on in the United Kingdom by persons who are not relevant persons. In the United Kingdom, any investment or investment activity to which this press release relates is
only available to, and will be engaged in with, relevant persons only. </I></P> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About Citizens Financial Group, Inc. </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citizens Financial Group, Inc. is one of the nation&#146;s oldest and largest financial institutions, with $183.3&nbsp;billion in assets as of
December&nbsp;31, 2020. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions.
Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and
online banking, a 24/7 customer contact center and the convenience of approximately 2,700 ATMs and approximately 1,000 branches in 11 states in the New England, <FONT STYLE="white-space:nowrap">Mid-Atlantic</FONT> and Midwest regions. Consumer
Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and
leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Forward-Looking Statements </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This communication
contains &#147;forward-looking statements&#148; &#151; that is, statements related to future, not past, events. In this context, forward-looking statements often address our expected future business and financial performance and financial condition,
and often contain words such as &#147;expect,&#148; &#147;anticipate,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;believe,&#148; &#147;seek,&#148; &#147;see,&#148; &#147;will,&#148; &#147;would,&#148; or &#147;target.&#148; Forward-looking
statements by their nature address matters that are, to different degrees, uncertain. Statements with respect to the Exchange Offers are forward-looking statements, based on our current expectations for the transactions, and are subject to the risk
that the transactions may not be completed in a timely manner or at all, and that the final terms of the transactions may differ, possibly materially, from those described in this press release due to future events. The forward-looking statements
included in this press release are made only as of the date of this press release, and we undertake no obligation to update publicly these forward-looking statements to reflect new information, future events or otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">CFG-IR</FONT> </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>12
<FILENAME>cfg-20210211.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-7 Build:20201110.1 -->
<!-- Creation date: 2/12/2021 2:05:34 AM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2019-01-31"
  xmlns:cfg="http://imetrix.edgar-online.com/20210211"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
  xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://imetrix.edgar-online.com/20210211"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2019-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2011-01-31" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd" namespace="http://fasb.org/us-gaap/2019-01-31" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd" namespace="http://fasb.org/us-types/2019-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfg-20210211_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfg-20210211_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfg-20210211_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="cfg_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="cfg_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" name="DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>13
<FILENAME>cfg-20210211_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-7 Build:20201110.1 -->
<!-- Creation date: 2/12/2021 2:05:38 AM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="cfg-20210211.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FixedIncomeInterestRateMember" xlink:type="locator" xlink:label="us-gaap_FixedIncomeInterestRateMember" />
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" xlink:type="locator" xlink:label="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="cfg_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="cfg_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_FixedIncomeInterestRateMember" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" order="26" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="29.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="30.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="31.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="51.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="52.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="53.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>14
<FILENAME>cfg-20210211_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-7 Build:20201110.1 -->
<!-- Creation date: 2/12/2021 2:05:35 AM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationTable" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cfg_DocumentAndEntityInformationTable" xlink:to="cfg_DocumentAndEntityInformationTable_lbl" />
    <link:label xml:lang="en-US" xlink:label="cfg_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Table]</link:label>
    <link:label xml:lang="en-US" xlink:label="cfg_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationLineItems" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="cfg_DocumentAndEntityInformationLineItems_lbl" />
    <link:label xml:lang="en-US" xlink:label="cfg_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Line Items]</link:label>
    <link:label xml:lang="en-US" xlink:label="cfg_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Line Items]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Axis]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Domain]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Domain]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FixedIncomeInterestRateMember" xlink:type="locator" xlink:label="us-gaap_FixedIncomeInterestRateMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FixedIncomeInterestRateMember" xlink:to="us-gaap_FixedIncomeInterestRateMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_FixedIncomeInterestRateMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Fixed Income Interest Rate [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_FixedIncomeInterestRateMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Fixed Income Interest Rate [Member]</link:label>
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" xlink:type="locator" xlink:label="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" xlink:to="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Depositary Shares Each Representing A 140th Interest In A Share Of 5.000 Fixed Rate Not Cumulative Perpetual Preferred Stock Series E [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Depositary Shares Each Representing A 140th Interest In A Share Of 5.000 Fixed Rate Not Cumulative Perpetual Preferred Stock Series E [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>15
<FILENAME>cfg-20210211_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-7 Build:20201110.1 -->
<!-- Creation date: 2/12/2021 2:05:36 AM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="cfg-20210211.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationTable" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="cfg_DocumentAndEntityInformationTable" order="21" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationLineItems" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationTable" xlink:to="cfg_DocumentAndEntityInformationLineItems" order="22" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FixedIncomeInterestRateMember" xlink:type="locator" xlink:label="us-gaap_FixedIncomeInterestRateMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_FixedIncomeInterestRateMember" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="cfg-20210211.xsd#cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" xlink:type="locator" xlink:label="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember" order="26" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="46.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="47.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="52.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="53.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>g122408g08s04.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g122408g08s04.jpg
M_]C_X  02D9)1@ !  $ 8 !@  #__@ ?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$  @&!@<&!0@'!P<*"0@*#18.#0P,#1L3%! 6(!PB(1\<
M'QXC*#,K(R8P)AX?+#TM,#4V.3HY(BL_0SXX0S,X.3<!"0H*#0L-&@X.&C<D
M'R0W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W
M-S<W-S<W-__$ :(   $% 0$! 0$!           ! @,$!08'" D*"P$  P$!
M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M+'HUJ[)\HDF93C.>B_U_*E%'3FF*<7[&)4TSX<1W>D)<7.H"&ZF0.$ !"9Z
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L)0^HST-!,H1DTVMB1D1QAE!'!P1Z4#:3T8[ ':@88H * # ]* "@ H __]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>d122408d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:cfg="http://imetrix.edgar-online.com/20210211"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="cfg-20210211.xsd" xlink:type="simple"/>
    <context id="duration_2021-02-11_to_2021-02-11">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000759944</identifier>
        </entity>
        <period>
            <startDate>2021-02-11</startDate>
            <endDate>2021-02-11</endDate>
        </period>
    </context>
    <context id="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000759944</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-02-11</startDate>
            <endDate>2021-02-11</endDate>
        </period>
    </context>
    <context id="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000759944</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-02-11</startDate>
            <endDate>2021-02-11</endDate>
        </period>
    </context>
    <context id="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000759944</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">cfg:DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-02-11</startDate>
            <endDate>2021-02-11</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2021-02-11_to_2021-02-11"
      id="Hidden_dei_EntityRegistrantName">CITIZENS FINANCIAL GROUP INC/RI</dei:EntityRegistrantName>
    <dei:Security12bTitle
      contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember"
      id="Hidden_dei_Security12bTitle_duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember">Depositary Shares, each representing a 1/40th interest in a share of 6.350% Fixed-To-Floating Rate Non-CumulativePerpetual Preferred Stock, Series D</dei:Security12bTitle>
    <dei:Security12bTitle
      contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember"
      id="Hidden_dei_Security12bTitle_duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember">Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-CumulativePerpetual Preferred Stock, Series E</dei:Security12bTitle>
    <dei:AmendmentFlag contextRef="duration_2021-02-11_to_2021-02-11">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2021-02-11_to_2021-02-11"
      id="Hidden_dei_EntityCentralIndexKey">0000759944</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2021-02-11_to_2021-02-11">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2021-02-11_to_2021-02-11">2021-02-11</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2021-02-11_to_2021-02-11">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2021-02-11_to_2021-02-11">001-36636</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2021-02-11_to_2021-02-11">05-0412693</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2021-02-11_to_2021-02-11">One Citizens Plaza</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2021-02-11_to_2021-02-11">Providence</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2021-02-11_to_2021-02-11">RI</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2021-02-11_to_2021-02-11">02903</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2021-02-11_to_2021-02-11">(401)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2021-02-11_to_2021-02-11">456-7000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2021-02-11_to_2021-02-11">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2021-02-11_to_2021-02-11">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2021-02-11_to_2021-02-11">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2021-02-11_to_2021-02-11">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">CFG</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">NYSE</dei:SecurityExchangeName>
    <dei:TradingSymbol contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember">CFG PrD</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_us-gaap-FixedIncomeInterestRateMember">NYSE</dei:SecurityExchangeName>
    <dei:TradingSymbol contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember">CFG PrE</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2021-02-11_to_2021-02-11_us-gaap-StatementClassOfStockAxis_cfg-DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2021-02-11_to_2021-02-11">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm140102608282408">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Feb. 11, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CITIZENS FINANCIAL GROUP INC/RI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000759944<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Feb. 11,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-36636<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">05-0412693<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">One Citizens Plaza<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Providence<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">RI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">02903<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(401)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">456-7000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common stock, $0.01 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CFG<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_FixedIncomeInterestRateMember', window );">Fixed Income Interest Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Depositary Shares, each representing a 1/40th interest in a share of 6.350% Fixed-To-Floating Rate Non-CumulativePerpetual Preferred Stock, Series D<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CFG PrD<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember', window );">Depositary Shares Each Representing A 140th Interest In A Share Of 5.000 Fixed Rate Not Cumulative Perpetual Preferred Stock Series E [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-CumulativePerpetual Preferred Stock, Series E<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CFG PrE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cfg_DocumentAndEntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cfg_DocumentAndEntityInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cfg_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_FixedIncomeInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_FixedIncomeInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>19
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
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M+0DCJAJ!B_OW>\FU9BF$)DGR]. <JI8*%VIJVV[E_R[NTTL1\Q!J.]V2-[#
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M*HMOQ<6)%IG]/KL66HO$'NX8A8VEN0%^WPBACR?FDV_YQ?[N+U!+ P04
M"  F@4M2@ZFE ]0!   R!@  #0   'AL+W-T>6QE<RYX;6S55=N*U$ 0_96F
M/\">1'9!20(J+ @J"SL/OG:22M+0-SN5,=FOMSN=V[@,J ^B+Y,ZIZI/G;Y.
MUN,DX:D#0#(JJ?N<=HCV+6-]U8'B_2MC0?M,8YSBZ*%K66\=\+H/@Y1DZ>ET
MSQ07FA:9'M2#PIY49M"8TQ-E1=88O3.O:21\*5= +ESF] .7HG1BKN5*R"G2
M:2 J(XTCZ*U 3I/ ],\QG4047"XZ2FCC LEBA_A;+N4_)5;4>RBDW RF-!)%
M9CDB./W@P5P\DR]29(G/D_4.6\>G)+VC^X#YXYN4QM7@MC8)7:DBD] $.TZT
M7?BBL2PD$8WR02UX:S2?/:PCEL#+5B#E4]C"K\V5]MB0N!<?Z[ -)$QU#;VA
M)8PR$03]HUK4/LC>_9$LL>)B\/W@9Z-G_&TP"(\.&C'.>&RV_K?4D]OJW%HY
MO9.BU0KBW'^Y89'Q=1SIC!//OELX*94GP%%R 8>B.C+?';=G&'$]36-SVW/Z
M'WK^N^O<@@;'Y=&T/_K_\BK_CF.VW)[#%;VZH!M+PD.8TR_A?96[!U(.0J+0
M"^I$78-^<4^]//+2/^!7^KZ^AH8/$L];,J=[_!EJ,:@W6]5C6)>E:H\_A?<H
MN9\;[O\2Q0]02P,$%     @ )H%+4I>*NQS     $P(   L   !?<F5L<R\N
M<F5L<YV2N6[#, Q ?\70GC 'T"&(,V7Q%@3Y 5:B#]@2!8I%G;^OVJ5QD L9
M>3T\$MP>:4#M.*2VBZD8_1!2:5K5N %(MB6/:<Z10J[4+!XUA]) 1-MC0[!:
M+#Y +AEFM[UD%J=SI%>(7->=I3W;+T]!;X"O.DQQ0FE(2S,.\,W2?S+W\PPU
M1>5*(Y5;&GC3Y?YVX$G1H2)8%II%R=.B':5_'<?VD-/IKV,BM'I;Z/EQ:%0*
MCMQC)8QQ8K3^-8+)#^Q^ %!+ P04    "  F@4M2'#AEZC\!   \ @  #P
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M=Y-[2:AU[D&P]_ :C1W-CQ^W_ %02P,$%     @ )H%+4B0>FZ*M    ^ $
M !H   !X;"]?<F5L<R]W;W)K8F]O:RYX;6PN<F5L<[61/0Z#, R%KQ+E #50
MJ4,%3%U8*RX0!?,C$A+%K@JW+X4!D#IT8;*>+7_OR4Z?:!1W;J"V\R1&:P;*
M9,OL[P"D6[2*+L[C,$]J%ZSB688&O-*]:A"2*+I!V#-DGNZ9HIP\_D-T==UI
M?#C]LCCP#S"\7>BI160I2A4:Y$S":+8VP5+BRTR6HJ@R&8HJEG!:(.+)(&UI
M5GVP3TZTYWD7-_=%KLWC":[?#'!X=/X!4$L#!!0    ( ":!2U)ED'F2&0$
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M;W!S+V%P<"YX;6Q02P$"% ,4    "  F@4M2TL"ES.T    K @  $0
M        @ &O    9&]C4')O<',O8V]R92YX;6Q02P$"% ,4    "  F@4M2
MF5R<(Q &  "<)P  $P              @ '+ 0  >&PO=&AE;64O=&AE;64Q
M+GAM;%!+ 0(4 Q0    ( ":!2U+=M!H_; 4  +T7   8              "
M@0P(  !X;"]W;W)K<VAE971S+W-H965T,2YX;6Q02P$"% ,4    "  F@4M2
M@ZFE ]0!   R!@  #0              @ &N#0  >&PO<W1Y;&5S+GAM;%!+
M 0(4 Q0    ( ":!2U*7BKL<P    !,"   +              "  :T/  !?
M<F5L<R\N<F5L<U!+ 0(4 Q0    ( ":!2U(<.&7J/P$  #P"   /
M      "  980  !X;"]W;W)K8F]O:RYX;6Q02P$"% ,4    "  F@4M2)!Z;
MHJT   #X 0  &@              @ $"$@  >&PO7W)E;',O=V]R:V)O;VLN
M>&UL+G)E;'-02P$"% ,4    "  F@4M299!YDAD!  #/ P  $P
M    @ 'G$@  6T-O;G1E;G1?5'EP97-=+GAM;%!+!08     "0 ) #X"   Q
%%      !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>95</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d122408d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="d122408d8k.htm">d122408d8k.htm</File>
    <File>cfg-20210211.xsd</File>
    <File>cfg-20210211_def.xml</File>
    <File>cfg-20210211_lab.xml</File>
    <File>cfg-20210211_pre.xml</File>
    <File>d122408dex410.htm</File>
    <File>d122408dex42.htm</File>
    <File>d122408dex43.htm</File>
    <File>d122408dex44.htm</File>
    <File>d122408dex45.htm</File>
    <File>d122408dex46.htm</File>
    <File>d122408dex47.htm</File>
    <File>d122408dex48.htm</File>
    <File>d122408dex49.htm</File>
    <File>d122408dex991.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
    <BaseTaxonomy>http://fasb.org/us-gaap/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>25
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d122408d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "contextCount": 4,
   "dts": {
    "definitionLink": {
     "local": [
      "cfg-20210211_def.xml"
     ],
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-eedm-def-2019-01-31.xml",
      "http://xbrl.fasb.org/srt/2019/elts/srt-eedm1-def-2019-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "d122408d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "cfg-20210211_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "cfg-20210211_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "cfg-20210211.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-roles-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-types-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-roles-2019-01-31.xsd",
      "https://xbrl.sec.gov/country/2017/country-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 30,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 5,
    "total": 5
   },
   "keyCustom": 0,
   "keyStandard": 95,
   "memberCustom": 1,
   "memberStandard": 2,
   "nsprefix": "cfg",
   "nsuri": "http://imetrix.edgar-online.com/20210211",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d122408d8k.htm",
      "contextRef": "duration_2021-02-11_to_2021-02-11",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d122408d8k.htm",
      "contextRef": "duration_2021-02-11_to_2021-02-11",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 3,
   "tag": {
    "cfg_DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Depositary Shares Each Representing A 140th Interest In A Share Of 5.000 Fixed Rate Not Cumulative Perpetual Preferred Stock Series E [Member]",
        "terseLabel": "Depositary Shares Each Representing A 140th Interest In A Share Of 5.000 Fixed Rate Not Cumulative Perpetual Preferred Stock Series E [Member]"
       }
      }
     },
     "localname": "DepositarySharesEachRepresentingA140thInterestInAShareOf5.000FixedRateNonCumulativePerpetualPreferredStockSeriesEMember",
     "nsuri": "http://imetrix.edgar-online.com/20210211",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "cfg_DocumentAndEntityInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationLineItems",
     "nsuri": "http://imetrix.edgar-online.com/20210211",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "cfg_DocumentAndEntityInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationTable",
     "nsuri": "http://imetrix.edgar-online.com/20210211",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_CommonStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]",
        "terseLabel": "Common Stock [Member]"
       }
      }
     },
     "localname": "CommonStockMember",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_FixedIncomeInterestRateMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fixed Income Interest Rate [Member]",
        "terseLabel": "Fixed Income Interest Rate [Member]"
       }
      }
     },
     "localname": "FixedIncomeInterestRateMember",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210211/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>26
<FILENAME>0001193125-21-038425-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-21-038425-xbrl.zip
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M5/ 1A\Q+88WD(.V2S+*$I7H,]H[F8 K*X*  8TYO\B.Z)HG_NKVY]^D>G#L
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M::9RRN4/"T55:]4E!S__ 5!+ P04    "  F@4M2!& 'Y2T&  !)-P  %
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M40IDLXHT\]X\^8U,2Z0__[H) W@F(J*<778&W7X'"/.X3]GBLK..'#?R*.U
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MN&=8(YO&9!@:X PMZ TPEIOWXHF_L+/LGT]_#^8WR#%9_S4,S?B'D W97M$
M%Z"(<"V/+:#,\'8JT,VN/S+<BP?!GRGS*G[R+<)X#[8O$F;R_D$L6@,8<1OJ
M@N2SGS10QH;;"HU(*>N'"GK0F^*!1[$;_$Y7U6\&F1'>0T.819G:82\2K1D,
MJ VU0L($D@KS!D]S,LK:P%H+RBQ )5,0MXKM]W/:F@-H*IP?'ZLU _ (!\F^
M^IU?(>.X%;_.O=E_EL5BV%%-T0T>EIQ5O+UXG->2+0L%<//Q.O8T8R%95(.#
M1L>ZP=),O7FK5BD:PZ[_$32."1OS,%RS]/9-9.O9@N26C%LNA9<$U;%P"2"2
MCU,&V*>H[>4&"\\;NFKU*!-6>4 ]&E.V^"K'XX*Z@:VC39EM35HM%L&+(FI-
M7"U 0W+Q*SQD^/7GKC94\M[LU2IU8YCW01#5*T2:0\_)4:MGQ/U\;C^4*$-H
MR<P6HOBIR#KF/H6*9')) WD>2(A ,]6V>],B\K8_4TD##3")HC41]=O @/,^
MFJ%8H+DECN(1&Z, NZGV2.@:[9*&%)7V2B59&"WS)%RUVG>Z#6?<>JQSD-12
M,YA+YX:#=6QN $+R=(H,"71M]S90:-ZJMM5B+AN[WGA+J9E4605ISFUY^9A1
M""^.P5A&=HR'-1[/5F5E##BK()NKV[BDS+)XO(<MUR$1"]E!_Q3\)5[*J_[*
M9177\11 M/JXI5P6/QE:_X%+"2SN$Y>,"!(F2*F0'K@T*,/PQ*6REH-&\.8+
M1WV;AOQ)C"YW[";2CYB?S1*><Q'J&S=/[LQN_:\E4 NFKR:16R:<VP 5P)':
M8+> 0=+!;D;VCA"^:<IZW^CPAJJ,:S/.E5:W/6XI(Y.8A%9WT"N O<,V.99J
MT2J[I*;:Y8#@K5I&T8+F;;9OD.55ZATKC8:!5C;.FKO13/.O(V?ANJMDL$6"
M.,KV'(ZZTMW?]:P:5=LX<*/H?CZ-N??G:$.MNLP"I(7NLI?&+8+/[29+8*0N
MTN# YZ#AX9LBJ-<N;U3_WE2":B(:Z8>\RBL>NM1JSF]9=HL=4"*&ET75]7P1
M8D-F3RAP[-Y4Z64^/UE_,T[G8:@6)LH2OA+;V30ER6WZO% *+PFJ[7(S();)
M-7IFD80 R>+-U+W_E7"5BF_$WS=T0WRU'#8D$R:+(U'\*-_*JGO]!%"+OK>3
MR"T3ZO:#!3A2;V@F2*@@XP)%AMLI;Z HWS6U9%E]O"8K'M'8%=OITI7@UZZW
M?"0KN:56&++%:/"W?KS,F"=LI,/NYQ^[_7Y?5Z>*N>-LO [7@?SL\DP>B%B1
M>.T&#Y*6"$%\W?13(JC$MV^V5LMKZQ9 RR\';[6,6K<IVBP9Z\;'3@,D(D"I
M@+P,&($6\GHQF#"Y3X?#_1RT'$@N&_HR<<=C>)4$.TVP$Y6^)R>RX!KG>OE_
M_Y+LW:QYWZ]+?L>MW%)?N)WNHLG73LL]_P-02P,$%     @ )H%+4C28ER3B
M!0  $SL  !0   !C9F<M,C R,3 R,3%?<')E+GAM;-6;;8_B-A#'WY]TW\'-
MO6FEAA#8O>NBXTZ4W:U0]TG M57?K$PR@'6)'=EF%[Y]QR$^\1#8Y'HMY]5J
M >,9SW]^CG=LPON/RS0A3R 5$[SKA8VF1X!'(F9\UO46RJ<J8LPC2E,>TT1P
MZ'HK4-['#Z]?O?_!]\GE]>".^&2N=:8Z0?#\_-R(IXPKD2PTNE2-2*0!\7W;
MOS_^1/Y8#]<A0TB *B"M9JOIOR._+E@2=\R+, R;C7#33 (U_DA,-71(*PA;
M 78,2:O3/.^TWY+>+;FB2H/D9,Q2V#05V4JRV5R3'Z.?2&YT*3B')($5N6:<
M\HC1A(QLQ#^3 8\:I)<D9&C,%(:I0#Y!W"B\)HQ_[I@_$Q,\>?V*X _FD:N\
MM>N9;!3)6$YDTA!RAM$VVX$U\C9MEGM&S^W<)+RXN CR=[?[*U;6&P<(@[]N
M;T;1'%+J(P-D%NT,A='$^HOU9G#GP?I-VU^QCLH]W8@H3WT%6>1@#_/*M]U\
MT^2'+;\=-I8J]CZ8(==9E2*!(4R)>?PT''P9$Y%JR98-B&=4^H)C9\BG5CX+
M\#<,-%T*+M)58&R#2Q$M4N#:/O9X?,4UTZL!GPJ9YHH\DB>W,Y<P[7K1=.9;
M9R:L-T/T\UC'CUYE>'DHEF8)>"38D)5)G$)<Y[UOL&'+ )8:> RQ=6/B_X^%
M?UA#+F:RB+828:_EG*""J#$33T$,#$<,+\P3WSSQFV'![PTV/?8%+B*]B=*2
M1GH[(8F90$+:QH1.(.EZ)4;!T;#V^&##XS&58SHQ'%X.I:*C[? VD?9DM#4,
ME9$= I]N\=R_-(H>048E^O.C.2Z"UGHJ15J:JF(T43EX(6.07:\5>B233$CL
MA*\\LE 8F\A,3YJ8]V *4D)\LT[-P:CSD'&Y59#W_.;P\"J!@894?0N &\Y.
M!K'>;*T =D.4A=LZ#=S-_R93JB:Y(ZP=9I1FZT4#$JULR^[J430_CA #&+']
MA"IU/QUI$7WN+5FE&5#!B3OD*X@IB)_H:OXVP#=578J4,EZ'=)GUR1!7G\/B
MN )[);>=!BO25/!<URVD$Y"UN.X;GQSKD9DJCD9N<9ZYC/.:+2'&/9%(8<!Q
M<%!ZB-.\/MH7'#F"^045%OGY]U1H0284TU2N1G/,@KJBT7P(189QI]\+SYIZ
M;M4,>"_O=C\];S2;S5RO47@G>'^1+A)$\@0/(#/0"YH\6"%YVD8@&?JO/C=.
M&MYW/N-.FAL[C]^>;NFJO0E=EU9#F#&S3^+ZCJ:5-H"';;_;HG%_?R2.Z; T
M?\%I<<*BL3;1$40+$VC8FHR9KK:=+[=SC^2^!DOQPC&*/=0>&_W7"9U51;AC
MY!Z_'0$%O';3,7AKP7W4(6DRX#$L?X=5O55US]@]F >$6*BA8U!M#L:8Y*HL
MMVW<0[@=OR7WUE%R6,4Q@>KC2ZSOZB+<,7:7Y8X0"_6=8U"M\$C(3,A<>GZ4
MU!<+7'!6?1'7K&-?<.4>\$JR+'[7JMRUN&N6P-VBZL:YW,Y5L)L:+$77JMRU
MDC%=#F*S-Y^R]>?F7X/TH!-7^1X45, ^<[,J[L4Q(E#%@\E!6 ]TJ0-7(9>*
ML8!=JY"W)/7QZ;T<B^=*'U$=-7<<[J84B[;E,MJ\BKB7#U(\,7.[U-?PW?/A
M..0]/99TVV72#T)IFOS-LOKE=+D'QRGOJ+&,SQQC;%:DG@1:A^JVC7L<M^.W
MY,X=(V?N+$T>YH+7W/;LV[E'<%^#I>C:@=2?&*4&;NY^6/"BNJ]TS]818_=X
M'A!BH;IV(#42"8N8^8#Y%DL!R4R %3]Y*[%T#V>9"LO2M=.E!PEF6@)6<OGQ
MM[G97-Y/I]47W&,>W&-[3(UE[-K9TXZF@5(+D/^>=(D?YWF7:"JHG[MV"#66
MU'Q1:[1*)Z+R KUCY![/'0$6GFL'3/;VCJME-*=\!G5N5BJW=0]EN0Y+U,US
MI:L4Y SGYV]2/.LYKCP9Y37OESC@PCV^1^58S/_#H=+[8"]E&/-G\V7.]3OF
MC_EJ(K;\ U!+ P04    "  F@4M2HS/_)XL7  "NM0  #@   &0Q,C(T,#AD
M.&LN:'1M[3W[<]I(TK]OU?X/4VSVRJ[B(?&RP8ZO'()SW":V"\AW>_=+:I &
MT$5(6CT,W%__=<^,A 3B:0QV0BJ5(&D>/?WNZ=;H^N^3D4F>F.L9MO4^H^:5
M#&&69NN&-7B?"?Q^[C)#_G[SZR_70Q\:0F/+J^O,>)\9^KY3+Q0F/=?,>TS+
M#^RG CPH%!6UEE/47$G-R.:!E_.G#O.B/GWJ]?*V.RB$3U(Z6;9E!:.HRW@\
MSO.IL)ONNP7L5X!&.6C%7$,+^TU,P_J>Z#8N\4YJK58K\*=ATX66T01%12D5
M\'&/>BQLKO4'46MCQ'S7F.29/J!NSK:@+<MK]@AZ%E7X&RUCXAEIP, $:N'/
M+Y\[VI"-:,ZP/)]:6C15X+M+ :L5X&G8T/#L<E&]6+$*V2+J,%G65H6V?!U_
M?FA_GC7WT]O/FA9\EUI>WW9'U <>PI$J.:68*U9C@^2 0Q(#A1RS;IS+&$MX
MAI;.=O  FZM)#L(FQBK,S"$=G^ISC"T;5POB88RC!Y0ZJ0R-#Q;Y>3E'HEQE
MN( QJN/_ON&;[.8R]\=U0?R$>\!NE. (.?978#R]SS1LRV>6G^N"&&2()J[>
M9WPV\0M\1%+ ?@4Y*"'DNF?K4_QYK1M/Q/.G)GN?T0W/,>D4I8UE;LBU,:EC
M#^;*WX:N,TO\AB;W0M2(H;_/_(,_^@82_ZUI 9S3-AL8'M+0OZ<C@,F"?V$"
M9M33GW.8)WZ;]:%5X'*B?T/Q0>91U6^^';O*W#1:W=9_FO<=<M>ZO[UOM&X_
MDT_MAZ^/I'7?*+1;UX4$B.M [C M< $HM=CK(HZ_K87@FR1MKN-3GXT VPV3
M>MY#O^/;VO?;B>%%+>Z,"=-;H$1'K 5K=)GGMZ'/%S;J,3>.F'DHMD3*WD"Z
M^<@<VS-\ZDY)9TCA:98PJ@V)RQRX@('!&A!*U$)9\8?$D"/ #[CI80=B]TDU
M7ZHHOQ,^5:YKY^Y,F_*..!.Y!U7="$:!"?>>V"-S'>8'U"2/+NLSUV4ZX5!G
M20?HQ3SR\350%%1^;H8;@9HF(*8=P\NMBD@)L=JR;GFSAWXEKR@*1P:N'Y:?
MLOIH\7Q*L?+F,?CDF O=#_=Q*$+NVXGCFNLX;D:06T"BCHB\,^E@:U76IZ;'
MMF1OH4,;,*5+S9:EL\D?;+JH9!<:; D:X%"YJ-1JY?(B?(4Y@\#1"+XB\^ :
MG:6ZQ[T9F(MP/ZN./MK[C&>,'.19<6_H(BC(;Z&KE)]X>OB4NIIKHV':V"M[
M 7_OYKJ07(Y<?&+!_-JS U=<<F>C+K'-B;<!ML-NC-,NNC1TO-$WF$LX""S5
M<VJT_DC2:[XS0ITZO@,$M?7H$KP@U_\($G,S@RWL.7LV@U5?TC9\$DT;S5-(
M8&<W;&UA[!KV:&1;_'ZH8EX<TQ)=;("0R6L=YILXIJ$9OH"#Z! W6"+2DL#6
MERXG<Q,V65C/=2%U^!FF9W#\G!RPQMUYT]RP<FTGSGB-#LZ;Y#? 6/U(&/L!
MN+@PYQ\4XI%U 2+PFT0<CKURU#0&5EUCB,Y,\OG8T/UA_3)?,:RK6%N3]?VK
M$74'AI7#WW5" ]\.[[C&8"AOX7!..!CNN.2&C#]5\XH3#>';3CUVV;-]WQ[Q
M.SW;!=##.ZHS(9YM&CKY3>%_,C=_^TVM*E?7!6?91*7U$Q5WGB@V;!D&(8L+
M('T@3<XS_L?JZF5TW:<CPYS6NR 8'KEG8]*V1]2ZXL_& NZ>;>I7*>3Y>M_J
M-C^23O>VV^PL!T<Y$#B=9N-KN]5M-3OD]OXC:?[9^,?M_:<F:3Q\^=+J=%H/
M]\^"L;@/&/]%O2$H#=^VLN1C@Q252KDV!]7<E.OX,LD.Z^0IE2^K._$EZ#?'
M3[+FE9#1HOK[XMHWE-'98D(5D48N08P#\-2UYU KTD!#PV<YN*,Q" O'+G4R
M-W</[2\2YF61\D=;"U!5Q_8I-X]&^1YH,@R]+B!0-R>V>1&VV8N8@R)J-^^[
MI-U\?&AWCZ]V'@/7"ZCE$]\F':8ASPF,J25BNT2MG.GGQX?2[A-_R(C<ZN/[
M41-M2*T!([>:CSM<:JU47@[GP<B+'A"" WZ@[?KD++QF%#P@W)=C3] 2-^_@
M,=//Z\NWT4+E\,C=J*;PKK;5$D2DC-YGC(E?U]&=A>Y#G4ZG !&S0$NQGAN
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MTZN?/KO!=P]I,9Z\>[OU;GOO=.^_=@^"]WL'_8/MO?Y^\.'X\--1&.P=;&_
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MA=[]Q^T_-V906AU^ X5W)SQI43A7HI@+CN<!"9MLJ.@R2E)UD*@5E@\QTDS
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M"Q.!OX/CW9-/^Z?H3^.\'OCGG["\P>%Q<'@*C^]V3H_[N %PW^G>;UP.US_
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M%E$NE\KX\?=M80_ UWEE'B^HU,X\@P&4WL.=/^#+CZ>_[K_[/U!+ P04
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M^TA=0 [_^T\?@)9^DO\ 5=RJ;M_W9!]7='JW^W KT1_^!.4H_O2A^NLA_^?
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MB#H$@0;M(8R?#VS;]>N#VW;YVPNQSB)T>&H#O854'(02%?X!>EV^0'$%LD]
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MPB.U);MHPY8+A39-0E^?J]Y)H::^)%'R!DERHXJH.341),#.+$R9>-5;V2<
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MG:W645C..Q6:0WI2_@J*Z21"K:@V]Y/##:2(HKEWX%]E"L)^@"H1*%'SS[+
MVD70LVG)^2YNG8=LMHA:2=R/_*N59)JK[2W?:DBQWO &2>H P+!!_5&DAF:
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M 9UB>N\6&]#VGWSR;N^)^T_)LSYZ]Z^4$KZW#7CQ"<AX;G(,NB:D$!3/G#$
MF(.R].790N-:VAH0%YH#N#;U4IJV6/4P>V@V'NN8&E>.@X"ES;EM3)K*])G.
MP>3%LP\M8IWP!ZF<^05#[ C-E[[Q^HPER$B%LE#] G8^^9ZNBL=1&4GMRT9
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M3>?)],QRZ84KFKGK>*B>F3%/ ; (1BA"U)'+.5]!86H9>XP6^IN(G#C5>0W
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M@]%4W7Q&P#M+PUTM;QU%%<4F!-".8(L7)G&DX^%%1BX:.JKF8IPHNLAM0E^
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M,9Y=8#J=7O.D6<<P*(P3N.R=8E15G9V8ZRG)C"7Y ETX(,?^$WG261E+)K"
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M-T5= ^6K0T>R.D3A=C[USMI$-\EC?A!+0=:-TM2>UODWH]?O?NX,0/,!3SF
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MR;DU%[&L "\3Q$2PHS%4@!R,17"MP74*C./Z7&EDB!NOCXX4?4027>K50A?
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MIJFJ::IJFK*J:9+^[G21S6D60]K;/X^[I]_(EQ^'G\[>_1]02P,$%     @
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M(N\*JW3?1'!#_1O8KSL)9US6W9_&SN>++_L[[P]W_PSLZ'<8L(L/=[W8FR;
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M6"3#VE%2B'8/0L.MZK:EP:>@Z-2BJ3\ AME:AF5F7JJ(39.H 9LMQ[,(K8E
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M\85#)+>G2I1X@3M@;5_"\&+'\GS/"U2H.$CLS %H340#'MZ$+^9!7E:!6PZ
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MM&2T*MDKLWWA2\:MAE)PA*Q\Y5*-5 SR.=^0/#.BF"+EO$H7EO4U9*AAQZJ
MR=DLP4CLZY;/;#&MSJ$[QK-;Q+<K5+?U?A+*ZS46P3W;6(N>REIT($YHH(\L
M4';(-MX*T!OGKM& E!2P]C#%X>7$\:T,=<G9UM67\Y-S)Q@HEZR]G G\&6'R
M)FZ)I+:)B]U^?KK^6$P#"6FBHBPFU4.6D,DDDRQIGRJ&2\-KQY &G5T <1#>
M^,:=[P:4VQE9*"2_^ :'*H[J\QA7+*^2>BE#J"4_*;.PG/44I\E4]P%"%+)H
M?8<M<M4"M5.# \4+DFVJ!^IY@JJ%>K7!M,!U@WM0.^8(J 'FQ^IS$NW<[$(Q
M[J9)Q@6]Q76^N@@H0H4:<+:[V&<0=[UIY'MH:.*FY8(<,4 [9N$!14$KM$$R
MLE.Q9++RI#A$0+Z-L/I)H'C:+1JH7&4^TUN#U>"Y#/,.9G&DU;,4\#FD_$^5
MFH6P4\>^WMH]N4M"3,L6*3'&":.;K6X)/Q0[1;(XMMPTE;M&+=>T,5;)O)91
M>7S'J1*JVB0U]%$7)-GQ!Y^S*L--I=8$6DGM%U,%Y*8JOZFV7'=GW(#J%:#[
MA8UHDE1!-RG\6RYIZWEJS5M5^9Y$<%^NA=W[@\1X=.2BW"=-%F:!LLIJ@QF<
ME#7L2&DA]K)1X]Z3Z;#\V8 3)%F-=!WJ"TJ6;8XVLI1VXT766$,U;=F7'J@T
M"C3 5NP#L(N7*6.B>W.#'3F]3*O=E*5='9.2Z:4Y!BWPUHTL43L]!S$\CQH/
MF#W8/3NL63->D,0Y*/*$V(D.;+*[\Y&0NARS+CN3L#BK&RWN/%7:+^E]H#C3
MZ34S'+*>9O"9"6>4T*'# >@#*JSFTE/GS^$5['.P/<G+J3@[SH5:C8P?&".9
MK.L&-1ZRZ7KLK\:^PV/:.N V0Y=XG]V.Y#+\"0B1@80)#DIW+,0)4R@[MZ6B
MLK;DE] 3QF]U_D+C.KE+TI%;%74.C)?I,GWI6YM5I5C"R;7A;*?*,;ECP$PA
M@H9^4$,.%B<K!4ZP6#'/H>VIGV-R;6(H5_; Y^89+THA3A;ZH$!/JPSHLDPA
MF1T\1_=,&,=7C &S8LP7[)A%=<J099Q1+Z;W:P4=Y5QQP30L-(789'+\5KM$
M3OH.T9)6R4T_3 ?#U99D8$%!AKB*R2)#*_ S&Q&7.W7I89*07AT4-M()0;Y=
M3"K+>).2 Y>1TGM(79'%B^+VN!5\4H$,P("?1O1)N"5#\?E+=XO;4PEN<4)R
M(QYY9 "7J,*57W=N:DN GB4!%L%_FFKE:,=^4O8%"A#743B[RG0E+S!S+UL;
M6-O["NSB1\4K=O*;MN2[U^W^L*0D"8C*)4I&B8S_.TS(P*JIKR2W<6\BN_24
M9;[3S2S,0<Z'>0[#4/70: +J9"ZM#PFR(H'!ODP=:RUS,D79A@G'X6VFNAAF
M#WDPM*M*$Z.Y+]("-E]\$_=@3Q&G!OOX>@U^U8W![VE=K[;^.8=NT:U!.U"J
M<#00WZ(;CPPV_\;G,0RXL%PP/$81RYFB-4MD@3OEVDH7S7"+]$)MM2J8OX &
MYC:GSM;L*"SNG0K-(3TI?P7%=!*A5E2I^\GA!E)$T=P[\*\R!6&/0)4(E*@
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M2F5R.>%AO&;X3I<I10]>ZB-;!+J I.*T=M$#(J,%&(+&D=S\^\5DKX0(_1,
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M?(UZB!@; <^N_1N2Z6\\XF&TK9GR8EGK9(E:P459R9>X<<B5>04P6DH6M^%
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M]Q=GI")PDM^RU48L)[Q'2@:X@Q\GK."-?/V6%D.H-M)/V*06<_!2%UQ5Z7/
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MO(NZ#>P*W\>KOR/0/SO'I1 &T AP&L@&SK\O-0HNI/8 IMP_Z5ST'4#:[E?
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MVIEJR5ZZP0^D.GZ@&2*U>9BB$XY)2N![.M"U+DTZ=*U7E,2MG@5(]+AR,$O
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M6;?YU%3=<*?>T'%C)QPYA]YY-'.C6X91M5IQ=K9WJD].]-/PJ8'0.SOH=!O
MVOK-1@H53WEP&Q<][VKJ3<Z]B)&Q\P&14=UY\CW]^=UV97_O?06ND7,:^<'
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MDYW]%X&3]ZO%26]V=37V)J#S@D#7QGWL?/>GE^%LBN9]#)\ANH["\="+GHG
M?R'8^K!:;-7%6^:);ZPS&OF#9\+3=MZ]"(Q\7"U&P"KQV5O9\$;N;#Q]+O?C
M16 CJ3&N0A>[\..I2)@N0B)V:A>11PSNF2#F(<;CJW?L@=ZQ5_?8JF!ZTNIA
M>D:MW>R<_:&]7[NK]GXU1R-8GS0NSQWZP<5S$2DOP>VUNVJW5V\&5DL<AQ%;
M^+4X]B^>3:#E96!DQ6ZOGG?E1NZY/P;3T:F/W5G\7#3@EX&.%?N_OH777A0
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MS-K7TL&P-5YK>[M9:PJ6]Z_](5>\4H+#(!R/61",;RO,].52P&681OX #Y:
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M@CRS"7$YK,M@CX3VZJ"RD2X(\NUF4EG!F]0<N(V4/D/JBBS>%,^,K>"3"F0
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ML2Z(W5<7Q,I;-/2M$-%"AP-RGW349V%1QY.U-X#3%#D\BB(/<.6LK])'DQR
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M+R,06+_5.X2+VNG^<%+,RB96_/=&73&UE,8P5V%HIG72UO$Q[X]V ;>FA[<
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M^OFA9<"";*G_H]WYCHQ"(ZC%MC^H<\T6JH#,RBW]'UE8K:M9J%;H>PP1A5S
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MDHR>V*"E!F+_ [S>$T :)^/JKA@H_,E+2B7."@'XQC%7)HY(([&&>P2>)PK
MP(] \,24Q!%S+CLV9-6MBK$GX2@Y*L"^*<1XQIX;J7[-B61YY$; N]#4I.XO
MAC:9@0O1Y(%Q*>@Y\X#W@OLF?7AUAZW.\M1F39HG&YM&Q/;$<U71EZK&&B1L
M9\55/BTSV)A[FE543S/3$,TFVHKB5Y[97(*H+4/+TFONK\Y(1^"DO&6OC7A.
M^(Q4#' +7T[8P!OY^E=:#:'>2-=P2*WFX*4NN*HRYX!#8F2&K#U@0LGGA^1(
M./+&=#SQF< IE?=$A:_P[WF=6!_';<*[NY3=)42@+H^G;X%( ["IIM2)B[0O
MX^:3K#ALS8O)_\%%HIR%_$$DT@*I&U ZG?9M61-H=*@Q7?2" 3'GFW:-.1VK
M1\>0F]G9XM^REM.!T"]G7U5FU+]:OU(A96XV]OT<;@]AS/_CJ/_OZ4-K?BPZ
M-D$7-!XT_TQ)@"1]!&A$DMU+45@O0J&O,C#A4_:]4'J0_# _;<'%T*@/1W#'
M//5#MUFPUU4]4,(+]KA3W@'6JWH.AP*,OXR:EYD#;#FUV!BW*EM452A8G+IG
MG$J4+<5##V(,N#H;[:T?6Y*^T/<&EUL.L/-W[S_S?Q=WG=S=KK[=W?ZXJ7GT
M- MEQP9RHJ^E=G>9DAR+B9MO.>J(#-Q89"9<_!+5DX^OZLD*\]#:.*"XC8-M
MOZNAHCD9A>15$F-Y25<UNGOQ7L] 3]<D;%<5L2OF%J<F<J\O]QSXMV+_&?%L
M'6O'4&<AL=K$27 7W)!W[0V2SY<^#?G&'.'>::W>:G_[VYOM-_3W::W14'\+
M@O<0OS@TN=FECV57_,E;((KCVFFO^4G]8R[8TSA"G#/A]KM?Y1\-35D[?WD#
M)-YOF&]^E;/P:0T-J@>3"WQXKSZ'_W2M5ZDS6#< N ^PQ$]4G^[<\0RIS0%F
M )@=A&T;[\_7>JL/5ZG=<PY;[5J;YK!_ZW;.3BM.JUW?,AM,;LYZB_62HV;K
MVU$?COPN>63K<_/N'?OX3W%TP<O7@]M/]N;2:),]"%6]/>CT^YT3..9OZ(.$
M3?QIF_[/4/+"I1:N]$O\B]-P0>PYIUM.=Q;'WGC\M+!!LOC:!G$\#S1+G+C=
M^=ZMG7Y]!H?I8R[1:D[SB&D:/2_ !@2_8KWC*>@SY+5&#GPGZ5V]\WLQS9ZZ
MQ%+7+0RY1[?$DRV&!/^#K/@KB_-7GO_[X?DXO/R@UOX'SDY7T^N=$X!VIUUQ
MOAQTOX)"(+;8JP!X*@%P[,ZX?];?MYP.!SL.(M\+7K0@>$:'6J% 2++KI7CF
M8WLAOK2^_EN;Q<ZI>Z'31!;:!/]A!Q>[35Y-M_OA0819\U]'K8-67_I]/;HO
MZFNS5C]R3L^Z]:-:K]EU.EWGJ'/<P'\=.OVC5L_IG2'S =6^WVP ^?:;^$RM
M_0.T>X!HL]=WT+XD>_/XV#EH.HUF\P0>[7><H]JO3:?;/(6G$/P-YP!^U>_I
MUZFW@7CFUS7I!3WX5ZU?+NFN ZV^ QMI8T*\<WI<:SL;8%D<G]'OX!.P/5HH
M=TZ[G<-6_VWOJ-:E%>$,L&37:9Z<'G=^-$%B-=M->(+7@'/]O5GOXS[QQ?JA
M;K/?ZL()VGVT7SHG3:?7K)]U6_T?3@T>AWU6/[[?JSBUGE.#IQIP+,EQ:G9;
MO9JD,\'W[0;\/P?6P9_VS@#,^!.47L?PWA: IM7^%>!'KSH\:S?@-^72::T+
M9GNW=]0" ZH&[X8/ /3P[GKG#![\?M0!P,'3S>[Q#P) K]<$F#)$FG06^0BV
M2J_%X_9P0_ 0D'NK<08FFG5,61I?]X]FYQO_P#D$^/6:QX=O!3(-Z]<].=T/
M@3#] )'F,,$HP/;PH)VVL_?Q_;[",)%-FW;P:[-]!DI;![;=.2R7JA\_O$O"
M%9]GV.)# MI->KE-1Q5-1?@-O+_7_.<9GJS1ZIUV>BW:0X+ A)Q.:OCJ-A#&
M4>WX$!^!0W]O]8_DK70NAJ:$=. 1/#9]@0^VVK3J2;/6%BHFCW4#T<:8A8^.
M:W"%X+S?SHYKM!<%ER7B/3O[U>VMW;?5[:IR)P* 3CJ-UF&++Q11G5YQ=V-O
M!X@/7H?-,.3V/ 12=*L15G")SX[Q3@"9M#OMYK^ +OIXYXA?X87O IG5>!M$
MGP;]V^]P4=YI1W]>+MET@1C>HN5!7^_3A9[/F]0.T^RH_SC\2.[270"IF%:[
M8<!XT(0[;H F@&J=M(YK0")GQ_@VYDA"@KD %FKDYW- ZZ0A*R_BZUH[/3UN
MU<EB.JY])P@:XNP]?@#DJ\ =&$_SM%]KUYM\KPP.Z5KE"1\ABOO**'@V10ZU
M^C] )SMN-KXUD:,URJ7:MVZ3'P#B.0#.2'2"@ 1<_-I"6=-3H 6PM7J %X)Y
M%TT4.!7^'J_^ED#_Y!2W0A1 *P V4 R<_EAJ%=Q([0%"N7_4.>L[0+3=;T %
MI_"&[R#,^DUX$Y)LCUX V$"R!"'2.@76#.R-<7)PUFNA$_E>0=4[D<27@Z__
MKL/;3O_SI7>6XRCXL/^7SUA]B''G\5O2SCZ15@Y\$7Z N><'7^<0[DJ<+;A)
M((#V7?>XL]P>'Z51!^X9^813W=NK_<?YMRV&X,]OQYV#VO%_F(B> (8YVXL\
MF3E+;:6OT.S(V\C8#[RWEQZJR:"D;R_R&R%5GE,AIG%RI<SFSZSQ5]'98H6\
MM#MII7XAV^&4]DNE_5:V!:/L6[)UG+\Y11;NFY2K: ^,GX3_1O[-%LW]+EG6
MOK4735K+%K-PDHAR'DI$GYW4:9"T'>(>GYSJ^[UWU>V#@VTGZ8Y4AO4? KW/
M%5%=7=/E]!3"S@!C^Z>UHYT_,L+N)U">*YKI/J*@!.SV](6L_I$1_%Q1E;B1
M"F7Z2LYAHB\NP:3VMOJ[SS!Y6L7MS_]F/#[>?_^S)I5T;VMW?_LOSJ'_FS=T
MNI@)UO6P%V-.@QZ<=+:SO5O5.UU-G//.04VFH\>*:J9A-"?(N5]]8)!S[\/:
M@IQ?V^'6X@!/<9C'YOOBT'^"2Y(7/WK*--*Z/X4G@QCN2^ &5(G_+0IG5Q6G
M%0RV<(1JPQN[-RZE+7+S7TI2ERH.*LNX<JF_P_\O_Q=&,B2<*I]U)SK*$S?]
ML>/9Q/FWZ9&JQNWA,)79F"NF9"!KS'4<JINII(9:0^G-%!9.C0/3&'XANTEU
M!&B$X[$;Q?_!%QYZY]',C6Y51_X*,8.U-)&51J>G,IFP@7O]Y!P &(- "KEJ
MLXM9/+7WN@/_39^!^R@F'J5&X9CM2WE]3WXXSL]51_J[&YCM[KRG[?Y]-C8?
M/'W;1VG?ZXXS+6'3[?J9V*BD+$6WJ@'_T"O^Y<O-[ZV_K;W=^=TK8.M)\;4S
M?.UN.'9F;Y8(.2<_D<C[!+Y_O,/#S&28UXRP%YX1]L?) B8]\?$SP C"RZ9_
M6<N\M$2O=6!O!9E<\Q)=7Z!TKKW=?97-*X-FOWO6ZS>;G*[8 Z'3[;<.6W7,
MX\% ]UG_"-."ZAR%6T]38NQ%%^A:^1R_1N3)G&'L$L **E::P4:H?5F(C8'S
MYU!EA]6\2O<7+MW_H/G>KZ+^5=3/%_5/9"B]2(UB[U6C6!DT_WW@#G[FCF_Z
MSSP%XC&V<K_8R!/K.'7WRI\"MK!A%<_7)$^(C+])=>;##BTT'2<UN6Z2.XO#
ME$+;*M*Y-PYO,DTRL*GVD'KN#1\_A:ZZI=/_MIS[^>2=#3RNI%RS(TDGM*>]
M]7JR5J@F3XI;OEQR)]2L?X[_$]M.T0S *VJE%\PFCO>_V/81%M]P)7.9.M3E
M.=AWJO <=Y#0X[6S;FQZ\IU])"949*SZ5$+-U*'JW'XO#\ZQ9W>;7V??7B[E
M!P+LMY]@:0TVI$IL@"IL_&OO[0_TK%/V>!][<,VB6[Y=R=KZD4M-.)WI3>@<
M8.]0I+<&L,'DH'1KK]GS2_M-F;=H-D/]6\8S:F'D[&SM_X7:5)/;'X?:5*CI
MQ,QJ+WGNQGZ,_9<!FXO[8KS;?@LG4&GL%$B@5EY^+)W>;KPQW,@E&FS8ZTS@
M2ES&>9/5,C2:2XJF<Y\W\=\B*;K<@LYQX6Z[.!,O&^7AKB'S0B0;^$]LCR>@
MSPW/*+B'$;4SU4/=$-&^##1/8+FB(!\ <^1Y3=Q1T'[(M,.A]B@TZX?G_O X
M+R H>!GU%S<]8W-VIVC)#%[F@1^$\ )HRO:J^U,^A>EY2*U=3:^I_#>FV__,
MV9P"L"9M'2'23>I;B[%/E.(.!M',FF\]">,I->?$1N@""&IQ8X: DWN=&J5>
MX<0:06 0.OD/5)P<GI+/V3Y;W5E51T#NHY$/!]UI)R^VMX8X9%]SFR]G7^<Q
M-FS!)'4,*("QEZ0U13&?457,=25ZNO8B]T)[,6Y];SRD^^I*SWUJA(B@3+X^
M-B.UW>%_9]3?BAOS4DD[MAHD3EW!RP/0AT/0I9;/?>R+IJ:[X+<I3@QD#D\C
MBC>$,$;>#0T; 790^'R%J=WT6BI8=-,:^SEPN=$F UR=KURJJY.<Z!T+J$6C
ML4@<.Y/.> 3/T#G:JNX+'O8_;6\[5UN3+6>CZ6(@/G 0V9NV0&D%/K;(Y19:
MW01'L_I[<J?FB,.>JAV8>6<6;<Y]L%8N+8,V[%W'#4M==?VI2Y5TI*9N3#Q&
M()2T.'LRP$*"N]?.-;TQ48%DYXGUU/ERWL+EDEFY8J8THV./E\3^?K$S&(<Q
MZ1%78:PZ'XO^XD9C7RB359&$DL+M774EF0E2+[?Z&#MV%J]MZQ;)ZW2N*'^8
M>YW*I?1]ROM!YCX5K+JI[L02M/_T@^/;R<;*/-,=K=^+D)1>/]%UOJ+ZQ&.W
M:ZM9?,50.)$K #M/7<SP6R."YJJHTM<]>9$4IX'OO"@Y4*2X,S+.<;P +>\2
MK(!RB9G,@1<,+@&N/U%^<R<XW%_S&@":4*.5^C=QYP*"FZA1-[I9X(Y&_IB;
M"+LT] 5[5@ZO_1@YF&%T#?J59ZGM>;-AF,OY,4]4&,)%CV[?\OP)>[PF\QX!
M?8:%@MXR8C2KE]K(L_H3^[$U063^RRR^Q^>9A\Y$]])S&>J0VCQWX)=Y;VP<
M)':,/>[HE09(U#"=N!_;#M9ME#FTA" ^^M ;^0%/Q$[=7-W[KYAF*:^!['TU
M2X:Y5N2-O6OBM]2,-!R'%\QRU29E/H[I<3EPQP-*CU8MS=-@-=H<=0.GXY%N
M-@+&'7)+9&;V-(PG#Y1H ^'TTK$'1R^@B;0A1L.LY69Q]VQJL9YHJ)ZEB2L<
M&4G=4A6WE7;)>=NRB+^FCQ4;W7I9OA-Z;,A8]\Z0"7:D'W%6WV)B)^WZGI?*
MN@!S.9E2"+:W]G;V_O)RLZUJ;_=?O:\K;)B+ E,-2-76;V*F544NBZVUV^8-
M,8BA>ZOO*UGWY5(/E:(A2BP<3Q_(OWA0YB6&?EP:W.#2;['U,?5:/7>#G\AU
M_$ +1!J#,,4@'+.4P/=THFM=AECH7JBHB5L]_9'I<6==UH!Q5!4JJ*C:K<&&
M9$BB/I: (/O X!= 9#A(D\JBB*OC-=<,AMI1(DNKJ,%?ADF0U3%0^<?:!)$N
MR(? K"-8$D5+=.W)SVF.'/^>W4S:QB>6P[PTU[M@.GZG?'+Y=@=A2DD<S-8E
MA63#C5D<XD/H9=Y<QE(6AUAZ-34#8YCX@7383YX+SP3DF>\RP2[ZV,:7)"Q.
M)&=B9"/I/.:!\NAD"OP1KNA%4?CPUMQW)J0S]L<7H(=FW$J#8FQC?8G"*Y1Q
MR09;2>62/4975Z!^T^P$"\*L0-HN]#SPHWD\AV:6TLL+L*M:"]O[)1IVM)K+
MXC0</4&FY\Z6<]+L'W4:F#5P6OLA/1'NZ:<5B)SR>"[%1,F2-X4"QE59''@@
M[++1:JN6XKFT_(C.1FKF8](7N\E.V*2',]='5W$\G OG%^X*M3?L5#[&X;7N
M"*UF4LGLS>!%8\N-Y>\<WV@%XQ(T\R[1#9LZ-28G^^5V0,]X81O>R)V-.?;%
MK]MR4G:IDS)+IS:;E,F6"'SM E!<!+YS91;35(_?8H<K3NO5I1Y^K![=TF=5
MXV;P'6I8BTS-'%QZ@Y\.CDH@[9N-"J:.6(C 1T-O"#^FH><Z&5^%_-3TD*Y0
M%[Y-%BAH=*_C5BY3M9[LK$^!031OXL\FRMU?$9>PIOY*?BJ6-$A@,6%5K<0V
M\<O. W3Z\]!+[.%?+L%/&OTZZ=I35#M0WA@VKB!VXT>>F7R(H+4,=&L> T](
M9&S)5.XX,\Q!7\1( WUJS>*,"5W&S#K/[=B/Z]1,Q.#4C'&!9?!$B:!="NA6
MF= BJ*?)W9J4-LQ#QWS(X40GMBR&5":D1Y<#,=+0#0,DV*Z:,.Z21J=0F"PW
M\L5 $YC*W#]UJ=(;('Q?^-?4&EY&+N"XG4%F[*/8@.F1M_0N"14IG<I,*Y7#
M@"UFO'O.[C;[U/)].LRCQ?3&E("A4IO4&7!"*BW/=OI0PI[V9I%@9))G9A0B
MF*,]FM"NUM.N"S]0XP5H*KL#=SJB:7AJWGH"T/!A;>)%@'F:0<)^BJG/UTFM
M#8R(E?,I#P.TSX&/D8))! 8$>(TG&7KGT_@)Y.TN#H[GGG#?J*];NZ%;"W6W
ME$V,@XC[Q/.#GPF3X 3$3Q@D)D9:D8;\%(B*"J"1K,E,:5=,%+4I9%.1&R45
M ,0J%^B1 II8 .":8L+P<T?-+TN2M#"9Y.*B_,N<*O0=^D"<Y%AG:IJJ^19,
M(^Z5.X"7O62C_]VKT7__^[.WE>RKU6HW8+-GW6:2K&3644':--\8M_"^(&\#
MF<P&7 ]]6!B>D,K%#QBUK>[8)D12-=/N9^1/,LH6+UJL^[*R= &>O+!KJ^Q%
M;,F"-!MK)XL7%&,]?Y@Q[ADS@_(W;7M2E3&^^ !F<_G@UN BUZD=R+.GAEH,
M#S%=I*%+NKS+%7.6\X0((I.;UP"NKQ@8L!Q)FC!O3KHKD$/Q2>Z17L?'A+TS
M,P2KA!GPK2E&G6,2J=&<UG!G[S=4..-,+6NQ&"!U)OUTRGM@# R6SSSQG#T(
MM T]8?C14^7VMT R-K"#9:O3WL(J<3&73)B*7"V5HFN>F,C*3@0>H2;VI94\
MA^Z6D,+TF:I'ZUSO'L/] 18)FBJ=*ZE-[L)&)_0'6BT945QQ: ZGVFY%#E8
M RL70SE/0/=DT8R"%4?-5(Q9K;PI]N!/XW2)S"]<)EW2N\QH9OP+A3UI8Z3+
ML9W<!B(R'+2Z2VEWVY\E 2'SHLS^[+=Q?8OS4;19X[US'6F3$T:WCJ264N!@
MRG/,*!2YY=24*A%I.,\IL+'B:XF1L5I].5<C^OARH5O(O<)+!B^796OX-WR%
M;$(Y+P_$-8Q:U.!618@#,V.-1=1 CA'-QEYL9V8EM[$&[R^8=$BUAEC!] -=
MCTFV%4CB"[MO$%#+0+LB5HA^\@J7-#C0R:>HK&CVU9E-M8/#N"+L[-9<S'(
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M&":7-0Q!P59(;B+/AA"6[V%]Y;4S=IT'@)8&<I19,+BU)X*H8:$1C!C@!9&
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M[B9F]A0S0++I"!1M+G$@5(-U<N*T'&0-[MA7=X"ZW($%+!*WF5A%8D :.7B
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M0.>$C=]Q"=1JUZ:@I<*Q2EP<RO% P^DU!N<0\<!X70C.#;NK4L&68WBD=E6
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M4ZON;>_4=G1O"H-@I\GM/G GLKD4'6WM[X+I8:,AZ5L\2U#DU"@J<.%!JX_
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M 9>=W6<"E\^??AEPP8XPR+:-GG?<</K@A%"+GT =W*8M *>]SJ"+FV\:U93
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MF"6U7I7B 9K,-D;6J)(>"@$'FFBA&W.B6VWH!GCX> .UK[UXD<A5K?OC1E2
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M-Q"G_>Z%Z-MGC@LGZ<2PT[+[."G].A3=4X%4##N@K!8P:@ULMUQ21#FV*V!
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M R2;CD#1YA('0C58IZ=.VT'6X(X#=0>HRQU:P")QFXE5) :DD8,'*!5LQ^Z
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M+T7.:DVJ\>^=IK;N7.K8F#D@(]IY;.*TVTP?40'2<U$:(.-T1 K3F6%=;7-
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M?]CL1S"-"A<T?\? 5XE/F7%.(4L>=Z]VN'/]5K,$L@&@!B([%ZKL>0>%&I1
MJFR#@HS^=[P0\?)N)K/JE_,U[>.AA7<E=T>1]+[MCN0TC.21-[OU[F*L[X[/
M 2(Z_P_L:/^-'I(JQZ._?*+_WH _M ;GO[^IUVJ_)45;T\88\*]85L+@[A#2
M%.5.L(S$ B%).:DR<R:NU 6:/[<Z9VS, "S!9!K# =D1'.A9_<%V17I%BMQ"
MSB9ZT+J(H!8@V"\V!V5AFB"Z1!/-M:U 4P%=8K_V,?$5"."&-U)X=;[<(PX3
MF1-H G/GDM@, I3DN7YRX,S7/A84! -<NY-/U%7PNC8,011PN>)@]H$*:%WV
MW7XB]E,J97(QP\73%'X<PF:8GBL;XHM9Y9I\*6?'DEIK?"W,$>\Z+BE^C--
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ML7^B_FAI0@[KOX$0WPU:Z9DOZFYF-2597Y@=X."C/@[_](VI-$M&F/2#V)]
MF+P)_8EX'$LG.>) +6],Y8FLND2AH2WE]R40,0&Q'.U5:Q3%'Q6,.F%5[15
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M5R&"7<A$4W/)E83J+V/LRH!5^_$XDKSU([%P,E<0=A%.7(NW:>[9BDW'@)<
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MJY_H588'; UE&A'4J@=[![^];A5ZKCQVBBEG!:@JEL:F+JCOP$A4L5+1 =_
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MQL5:0W57IP-CXO)@:0.[<^%T3P7/;U!#TL%#_4'OB^/"(9=65!1.01IT-8H
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MRV$!!LQ=A;.0W:/O[O9@O6 /J!5@&9C,; !!_+/E )T0=R$8D07T3ECY'9=
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M?^9:/^!:Z:79_)K'6LG;I#>R %N+Y"#3PB0XDT6:N$_"U1+UFS<!0'Q>K!;
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M2[?3J+,X1>:>3PG4O5(B;.@,P" O\$4,L8K=-\P&4RIAUT*<:NBPA%=^*<)
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MK#LK]_,;$DUK\DF)QF-TZ45T(V664H(,#S%4)P%D7<MEA08%D+-"@^_'-F;
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M?/1F^^V6#D+WAD-2XX!H734^SP8Q*,K<8F:]#JI8G^0FQ%CNR]"43Q@NDN6
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MTRCH31^G#'C(X=^& " 7#!4=+B7!4A(L)0'PR*-W/<LH8(]2L!0%]^52.AW
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MT:,4X6(5?SPN>"UD?PG=@0I71ZHC4;?#==L(!T*K:TB\ZA)0G8NMD5DUCK[
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M5_/FI^VCW3_@RP]G'P_>_G]02P,$%     @ )H%+4F;2D$>$1P  .K8! !
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M"VA-#?G$P35N,$4L;VK"\43W2.'1,)IRMA70L)WJ5M:&'>+!,%8<?88Q7US
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M'+*M%R^\M=*QTCP ;T]PF+"V:,LZ=FMI<FFF#B&]&RT/.W<4!X7&"1Q\IJ1
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M0DXS*H)@-ZALADR28,(HRZK875UA1QG:P*8887]9@'UO"7S]#?8^,?2BV]?
MQ&:JG3676K2:T]KM?*5L,X1_>S+KKK-1#RRO /LH+#_:+%&[PETV8,@Z#8,<
M79*),@KS818-E%]TH0UH6'Q^N 7MF]L^;\?Q([OD*X9<ZG:"8$[VF:2 C'Z
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MBSIMJ'I=PKCI86IHDM.0PWCUVNOB<U!=I]B+,$/ 8V\THQ,"K&'&!NDTI=6
M#Z-(!<!,X<L@+*ZQHAP>/Z'EF;,O6(J.R6[2"ZF4T=;MJ%0GH:T%6%?]HL#
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M+5867 <MIRU_X33-5&41=M:Q3/'"M&-GMP0&RXBU)^&8T3E,K*1!,\0M5UX
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M6K=CSZTHKY;=\\U!Q-(O*T<&E5<BXGXK# +LY'W8R+_U&JUVHE$[GTL)%"^
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M8;.XRD%/MW8?AAE6PSN-X;!5N;K7KB(N'=S[)NI_(9B3!4X*%.5@R]L@X@=
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MM9!18'7P^0.['IZ\WYB:S6:KT9TVNE&C5?\[F.(#H_<;YY<?+B63*_<SNR_
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M]8*8J+T/I';BQ/"L%[$SQ^.>Y7"7?0C])& ]S_,3SQ+R+RX;BBAQXXCY$^;
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M@GOD(GK9O#/BU5B@5N8<,%,EUXL)Y2H4T2YBZT)O]2; 5[62VPE6UD&R4%H
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M:7$\5 F AF\. BL 0M/8A6C6&WV6?!3_:-*XUQA+H)D\Q#!-V8Q-$U-TD3X
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M,3$N>'-D4$L! A0#%     @ )H%+4@1@!^4M!@  23<  !0
M ( !H@0  &-F9RTR,#(Q,#(Q,5]D968N>&UL4$L! A0#%     @ )H%+4HR>
M@7=J"   MUP  !0              ( ! 0L  &-F9RTR,#(Q,#(Q,5]L86(N
M>&UL4$L! A0#%     @ )H%+4C28ER3B!0  $SL  !0              ( !
MG1,  &-F9RTR,#(Q,#(Q,5]P<F4N>&UL4$L! A0#%     @ )H%+4J,S_R>+
M%P  KK4   X              ( !L1D  &0Q,C(T,#AD.&LN:'1M4$L! A0#
M%     @ )H%+4OH16HU11P  Z;$! !$              ( !:#$  &0Q,C(T
M,#AD97@T,3 N:'1M4$L! A0#%     @ )H%+4LI,>S*_B   5]<# !
M         ( !Z'@  &0Q,C(T,#AD97@T,BYH=&U02P$"% ,4    "  F@4M2
MA5/_TA:)  #(T@, $               @ '5 0$ 9#$R,C0P.&1E>#0S+FAT
M;5!+ 0(4 Q0    ( ":!2U)<GC%!OH@  $O% P 0              "  1F+
M 0!D,3(R-# X9&5X-#0N:'1M4$L! A0#%     @ )H%+4DWQNW#9)   .ZD
M !               ( !!10" &0Q,C(T,#AD97@T-2YH=&U02P$"% ,4
M"  F@4M2UFK8N=\D  "RJ   $               @ $,.0( 9#$R,C0P.&1E
M>#0V+FAT;5!+ 0(4 Q0    ( ":!2U(!L?%.""4  .JE   0
M  "  1E> @!D,3(R-# X9&5X-#<N:'1M4$L! A0#%     @ )H%+4EIUK_ZH
M1P  F;8! !               ( !3X," &0Q,C(T,#AD97@T."YH=&U02P$"
M% ,4    "  F@4M29M*01X1'   ZM@$ $               @ $ERP( 9#$R
M,C0P.&1E>#0Y+FAT;5!+ 0(4 Q0    ( ":!2U(:_7LE6A4  *1;   1
M          "  =<2 P!D,3(R-# X9&5X.3DQ+FAT;5!+!08     #P / *X#
(  !@* ,    !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
