CFG Executive Leadership Group*

Citizens Financial Group and RBS Citizens, N.A.

Our company's senior management team:

Brad Artery
Senior Vice President, Head of Procurement Services, RBS Citizens Business Services
Gary Aswad
Senior Vice President, Director of Risk Management, Commercial Banking
Martha Avstreih-Ross
Executive Vice President, Head of Strategy/Business Analysis
Richard M. Barry
Executive Vice President, Chief Credit Officer, Wholesale Banking
Anthony Borzaro Jr.
Executive Vice President and Chief Financial Officer, Commercial Banking
David A. Bright
Vice President and Senior Counsel
Margaret Burgess
Executive Vice President, Head of Risk Re-Engineering, CFG
Philipp Burroughs
Chief Credit Officer, Head of Credit Policy
Joe Carelli
President, New Hampshire and Vermont
Christopher R. Carmosino
Executive Vice President, RBS Business Capital
Lucille A. Cavan
Executive Vice President, Senior Human Resources Business Partner, Consumer Banking
David Clark
Head of Global Restructuring Group
Brian Connolly
Senior Vice President, Head of Strategy and Business Development, Global Transaction Services Americas
Jay Cook
RBS Group Risk Manager and Interim Chief Risk Officer, RBS N.V. Americas
Barbara Cottam
Executive Vice President, Head of Corporate Affairs
Brendan Coughlin
Senior Vice President, Consumer Finance Product Management
Richard Daingerfield
Executive Vice President, General Counsel & Secretary
Kenneth J. Deveaux
Executive Vice President, Head of GTS Solutions International, Global Transaction Services
Joseph Dewhirst
Group Executive Vice President, Treasurer
Lori Dillon
Senior Vice President, Consumer Banking Risk
Fang Du
Executive Vice President, Director of Model Risk Management & Validation
David Dunn
Senior Vice President, Head of Operational Risk Management, CFG
Dawn Dupre
Executive Vice President, President of CCO Investments, Citizens Wealth Management
Alan M. Earsman
Executive Vice President and Chief Financial Officer, RBS Citizens Business Services
Cindy M. Erickson
Executive Vice President, Head of Human Resources for Citizens
Daniel K. Fitzpatrick
President, Pennsylvania, New Jersey and Delaware
James P. Gaspo
President, New York
James J. Gifas
Executive Vice President, Head of GTS Solutions, U.S. Global Transaction Services
Michael J. Gleason
Executive Vice President, Government Banking
Neil Grassie
Executive Vice President, Head of Property Services, RBS Citizens Business Services
Rachel Graves
Senior Vice President, Senior HR Business Partner, Group Central Functions
Glenna Hagopian
Executive Vice President, Chief Operations Officer, Risk Management
Edward O. Handy III
President, Connecticut and Rhode Island
Joseph A. Hoffman
President, RBS Cards
Robert M. Howard
Executive Vice President and Chief Financial Officer, Consumer Banking
Jim Hughes
Senior Vice President, Director of Media Relations
Sarah Hunter
Senior Vice President, Director, Legal
Fraser Ingram
Regional Director, Technology Services Americas
Jason Jolin
Senior Vice President, Director of Corporate Strategy
Risa Katz
Executive Vice President, Head of Corporate Financial Planning & Analysis, RBS Americas
James E. Kivlehan
Executive Vice President, Head of Business Performance Management, Consumer Finance
Craig R. Lamp
President, Education and Auto Finance
Maria E. Leonard
Executive Vice President, Head of Audit, Citizens Financial Group and RBS Americas
Mark Links
Head of Regulatory and Operational Risk for RBS Americas
Hollie Lussier
Senior Vice President, Senior Counsel, Managing Director, Legal
Gary Magnuson
Executive Vice President, Commercial Banking
Kenneth E. Marblestone
President, Ohio
Diana Martin
Senior Vice President, Head of Internal, Digital and Executive Communications
Kenneth B. Martin
Executive Vice President, Director of Commercial Enterprise Banking
Elaine McGinn
Head of Planning and Business Support, Human Resources
Richard Meringolo
Executive Vice President, Head of Specialty Banking Group
Michael Millard
Executive Vice President, Head of Wealth Management
Tony Moscrop
Executive Vice President, Chief Operating Officer, Technology Services Americas
Derek Nazareth
Executive Vice President, Director of Sales & Service Support, Consumer and Business Banking
Cheryl A. Nolda
President, Home Lending Solutions
Laura O'Hara
General Counsel, Consumer Banking
Ronald S. Ohsberg
Executive Vice President, Controller
Scott Ownes
Senior Vice President, Chief Credit Officer, Consumer Banking
Marc A. Paulhus
President, Asset Finance
Ray Peloso
Executive Vice President, Head of Problem Debt Management
Ken Phelan
Chief Risk Officer, RBS Americas
Sandra Pierce
President, Michigan
Wahida Plummer
Senior Vice President, Chief Administrative Officer, RBS Americas
John Popolizio
Executive Vice President, Chief Security Officer - RBS Americas, RBS Citizens Business Services
Jane Post
Executive Vice President, Marketing Brand Director
James Powers
Executive Vice President, Director of Risk, Consumer Banking
Dave H. Reed
Executive Vice President, Head of Credit Review
Joanna M. Robbins
Senior Vice President, Human Resources - Commercial Banking and Global Transaction Services
Kenneth W. Robinson
Senior Vice President, Director of Public Policy and Government Relations
Sean Rowles
Executive Vice President, Chief Risk Architect, Risk Management
Robert C. Rubino
Executive Vice President, Head of Corporate Finance and Capital Markets
Girard R. Sargent
President, Massachusetts
Julie Scott
Head of Organizational Effectiveness, Citizens Financial Group, Inc.
Ralph C. Sillari
Executive Vice President, Chief Operations Officer, Commercial Banking
Steve Solk
Executive Vice President, Head of Asset and Enterprise Finance, Commercial Banking
Scott C. Swanson
President, Illinois
Stephen R. Taylor
Executive Vice President, Interim Integration Lead, Consumer Banking
Maria Tedesco
Group Executive Vice President, Director of Retail and Business Banking
William Templeton
Senior Vice President, Head of Bank Regulatory, Legal
Geoffrey C. Thomas
Executive Vice President Director, Product Management & Marketing
Jim Tuite
Executive Vice President, Chief of Staff
Ken Urwiller, II
Senior Vice President, Managing Director, Legal
Prabhat Vira
Head of Global Transaction Services Americas
Kevin M. Walsh
Executive Vice President, Distribution Support
David Windle
Executive Vice President, Head of Consumer Operations, RBS Citizens Business Services
Stephen R. Woods
Executive Vice President, Head of Corporate Banking
Stephen Wooters
Senior Vice President, Head of Commercial Cards U.S., Global Transaction Services Americas