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Subsidiaries and Divisions

Citizens Bank, N.A.
One Citizens Plaza
Providence, RI 02903

Charter One
1215 Superior Avenue
Cleveland, OH 44114

Citizens Bank of Pennsylvania
1701 John F. Kennedy Boulevard
22nd Floor
Philadelphia, PA 19103

Auto Finance Division
480 Jefferson Boulevard
Warwick, RI 02886

Citizens Capital, Inc.
28 State Street
Boston, MA 02109

CCO Investment Services Corp.
770 Legacy Place, MLP240
Dedham, MA 02026

CCO Mortgage
One Citizens Plaza
Providence, RI 02903

Card Services
PO BOX 7092
Bridgeport, CT 06601
Outside the US 203-551-2573

RBS Citizens Asset Finance, Inc.
71 S. Wacker Drive, Suite 2800
Chicago, IL 60606

RBS Citizens Business Capital
28 State Street
Boston, MA 02109



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