CFG Executive Leadership Group*

Citizens Financial Group and RBS Citizens, N.A.

Our company's senior management team:

David S. Anderson
Executive Vice President, Controller
Richard M. Barry
President, Connecticut
Anthony Borzaro Jr.
Senior Vice President and CFO, Commercial Markets
Joel J. Brickman
General Counsel and Secretary
Christopher R. Carmosino
President, RBS Business Capital
Lucille A. Cavan
Executive Vice President, Human Resources - Consumer and Business Banking
Richard Daingerfield
General Counsel, Commercial Banking and Global Transaction Services
Kenneth J. Deveaux
Senior Vice President, Global Transaction Services
Joseph Dewhirst
Group Executive Vice President, Treasurer
Alan M. Earsman
Senior Vice President and CFO, Business Services
Cindy M. Erickson
Senior Vice President, Human Resources - Business Services
Daniel K. Fitzpatrick
President and Chief Executive Officer, Eastern Pennsylvania, New Jersey and Delaware
James P. Gaspo
President, New York
James J. Gifas
Senior Vice President, Head of GTS Solutions
Michael J. Gleason
Executive Vice President, Government Banking
Neil Grassie
Head of Group Property
Edward O. Handy III
President, Rhode Island
President, Commercial Real Estate Finance
Paul J. Hanlon
Executive Vice President, Head of Technology Services, Business Services
Joseph A. Hoffman
President, RBS Cards
Robert M. Howard
Senior Vice President and CFO, Consumer Finance
Paul J. Howard
Executive Vice President, Chief Credit Officer
Risa Katz
Head of Corporate Financial Planning and Analysis
James E. Kivlehan
Executive Vice President, Head of Business Development and Analytics, Consumer Finance
Daniel J. Landers
Head of Non-Core Business
Mark Links
Head of Audit
Michael R. Lofgren
Senior Vice President, Chief Procurement Officer - Business Service
Grant Lyall
Head of Operational Risk
Kenneth E. Marblestone
President, Ohio
Kenneth B. Martin
Executive Vice President, Small and Medium Enterprise
Elaine McGinn
Head of HR Planning and Business Support
Theresa M. McLaughlin
Group Executive Vice President, Chief Marketing Officer
Denise M. Menelly
Vice Chairman, Business Services
Richard Meringolo
Executive Vice President, Global Restructuring
Michael Millard
Executive Vice President, Director CCO Investment Services
Tony Moscrop
Executive Vice President, Head of Operational Support and Development, Business Services
Joseph F. Nemia
President, Commercial Finance
Christine Noel
Senior Vice President, Director of Public Affairs and Community Relations, U.S. Retail and Commercial
Ralph J. Papa
Chairman, Pennsylvania
Marc A. Paulhus
President, RBS Asset Finance
Sandra Pierce
President, Michigan
Wahida Plummer
Planning and Administration Officer
John Popolizio
Executive Vice President, Head of Risk Americas Business Services
Head of Security and Fraud, CFG and RBS Americas
Peter Reynolds
Head of Regulatory Risk
Joanna M. Robbins
Senior Vice President, Human Resources - Global Transaction Services
Kenneth W. Robinson
Senior Vice President, Director of Public Policy and Government Relations, CFG and RBS Americas
Sean Rowles
Executive Vice President, Chief Credit Officer Consumer Finance and Business Banking
Cathleen A. Schmidt
President, New Hampshire and Vermont
Ralph C. Sillari
Executive Vice President, Director of Strategy and Development, Commercial Banking
Ian J. Stewart
Executive Vice President, Human Resources - Commercial and Consumer Finance
Ian Stuttard
President and Chief Executive Officer, RBS WorldPay
Scott C. Swanson
President, Illinois
Stephen R. Taylor
Executive Vice President and CFO, Consumer and Business Banking
Maria Tedesco
Group Executive Vice President, Business Banking
Geoffrey C. Thomas
Executive Vice President, Product Marketing
Kevin M. Walsh
Senior Vice President, Consumer Finance
Stephen R. Woods
President, Massachusetts

*Also includes all members of the Executive Committee