CFG Executive Leadership Group*

Citizens Financial Group and RBS Citizens, N.A.

Our company's senior management team:

Brad Artery
Senior Vice President, Chief Procurement Officer, RBS Citizens Business Services
Richard M. Barry
President, Connecticut
Anthony Borzaro Jr.
Senior Vice President and CFO, Commercial Banking
Joel J. Brickman
Executive Vice President, 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
Executive Vice President, Global Transaction Services
Dennis A. Devine
Group Executive Vice President, Director of U.S. Retail Banking
Joseph Dewhirst
Group Executive Vice President, Treasurer
Alan M. Earsman
Senior Vice President and CFO, RBS Citizens Business Services
Cindy M. Erickson
Executive Vice President, Human Resources - RBS Citizens 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
Executive Vice President, Head of GTS Solutions, Global Transaction Services
Michael J. Gleason
Executive Vice President, Government Banking
Neil Grassie
Head of Group Property
Edward O. Handy III
President, Rhode Island
Joseph A. Hoffman
President, RBS Cards
Paul J. Howard
Executive Vice President, Chief Credit Officer
Robert M. Howard
Senior Vice President and CFO, Consumer Finance
Fraser Ingram
Chief Technology Officer, RBS Citizens Business Services
Risa Katz
Executive Vice President, Director of Corporate Financial Planning & Analysis
James E. Kivlehan
Executive Vice President, Head of Business Development and Analytics, Consumer Finance
Craig Lamp
President, Education and Auto Finance
Daniel J. Landers
Head of Non-Core Division
Mark Links
Head of Audit
Grant Lyall
Head of Operational Risk
Kenneth E. Marblestone
President, Ohio
Kenneth B. Martin
Executive Vice President, Commercial Enterprise Banking
Elaine McGinn
Head of HR Planning and Business Support
Theresa M. McLaughlin
Group Executive Vice President, Chief Marketing Officer
Denise M. Menelly
Vice Chairman, RBS Citizens Business Services
Richard Meringolo
Executive Vice President, Global Restructuring
Michael Millard
Executive Vice President, Director Wealth Management
Tony Moscrop
Executive Vice President, Head of Operational Support and Development, RBS Citizens Business Services
Derek Nazareth
Executive Vice President, Head of Sales and Service Support, Consumer and Business Banking
Christine Noel
Senior Vice President, Director of Public Affairs and Community Relations
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, Director of 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