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Citizens appoints Edward “Ned” O. Handy III to President, Citizens Bank, Connecticut

Providence, R.I. (November 15, 2010) - Citizens Financial Group, Inc. (CFG) today announced that Edward “Ned” O. Handy III, has been appointed President, Citizens Bank, Connecticut. Handy replaces Rich Barry, who was recently named CFG’s Wholesale Chief Credit Officer.  Handy, 49, is a member of CFG’s Executive Leadership Group.

“Ned has more than 25 years banking experience, including numerous leadership positions within CFG, and a passion for supporting community organizations,” said Ellen Alemany, Chairman and CEO of Citizens Financial Group.  “Ned’s talents and experience as a business and community leader will not only benefit our Connecticut operations, but the community organizations, initiatives and customers we serve there.”

Handy will remain as President of Citizens Bank in Rhode Island in addition to his new role as President in Connecticut. In addition, Handy oversees the bank's Middle Market Southern New England (CT and RI) lending.

“Ned’s long-time experience in commercial lending, particularly his previous experience as President of the bank in Connecticut, will be an asset to us in this market,” said Robert M. Matthews, Vice Chairman of Commercial Banking for CFG.  “Ned’s continued leadership and experience will be of great value as we grow our Connecticut franchise.”

From 1999 to 2004, Handy was President of Citizens Bank, Connecticut, with responsibility for all commercial banking activity, including commercial lending, commercial real estate lending and community banking. He was actively involved with several nonprofits, including Read to Grow, an organization that Citizens helped create to provide books to under-served children in the state.

Handy joined CFG in 1995 as a commercial banker in Rhode Island and since then has held numerous senior leadership roles throughout the CFG franchise. Prior to his appointment as President of Citizens Bank in Rhode Island, Handy served as President of Citizens Real Estate Finance, overseeing CFG’s commercial real estate finance division across its franchise. Previously, he served as President of CFG’s Midwest bank Charter One in Ohio from 2004 to 2008, overseeing the bank’s commercial, business banking and retail operations.

Handy serves on the boards of directors of Crossroads Rhode Island, Delta Dental of Rhode Island, the Providence Foundation and the Greater Providence Chamber of Commerce. He is a member of the Providence College President’s Council and of the Rhode Island Commodores.

Handy is a graduate of Brown University with a bachelor’s degree in urban studies.

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. is a $136 billion commercial bank holding company. It is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,500 branches, approximately 3,800 ATMs and approximately 22,600 employees. Its two bank subsidiaries are RBS Citizens, N.A. and Citizens Bank of Pennsylvania. They operate a 12-state branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and the Charter One brand in Illinois, Michigan and Ohio. CFG has non-branch retail and commercial offices in about 40 states. CFG is owned by RBS (The Royal Bank of Scotland Group plc).