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Michael J. Cleary joins RBS Citizens Financial Group as Head of U.S. Distribution for Consumer Banking

PROVIDENCE, R.I.(October 17, 2012)- RBS Citizens Financial Group, Inc. announced today that Michael J. Cleary has been named Group Executive Vice President and Head of U.S. Distribution for Consumer Banking. Cleary joins RBSCFG with more than 30 years of senior management experience

Cleary is responsible for Retail Branches, Business Banking, Wealth Management, Online & Mobile Banking, Customer Contact Center, ATM and Distribution Planning and Distribution Support. He will serve as a member of the RBSCFG Executive Committee and the Executive Leadership Group. Cleary reports to Brad L. Conner, RBSCFG Vice Chairman for Consumer Banking.

“We are excited to have Michael join RBSCFG in this critical leadership position,” said Conner. “Michael is an experienced banking executive whose rich background will support our commitment to deliver a differentiated customer experience.”

Most recently, Cleary spent the past 13 years with JPMorgan Chase & Co. in diverse leadership roles including membership on the JPMorgan Executive Committee, CEO of Business Banking, Chief Marketing Officer for Retail Banking, Chief Operating Officer for Retail Banking, Head of Chase Private Client and President of wingspanbank.com. His accomplishments include obtaining a designation of #1 SBA Lender for all of JPMorgan, launching a mass affluent offering, forming the Consumer Internet Group, leading the rebranding of Washington Mutual and the associated technology conversion for all JPMorgan, and several bank mergers. He helped grow both Business and Consumer Banking when he managed the advertising, debit and deposit product strategies, portfolio pricing, customer cross-sell and profitability, ATM network, internet and mobile banking, branch planning and marketing analytics.

A native of Massachusetts, Cleary received a Bachelor of Science Degree from Princeton University and earned his Masters of Business Administration from the Amos Tuck School of Business Administration at Dartmouth College.

About RBS Citizens Financial Group, Inc
RBS Citizens Financial Group, Inc. is a $129 billion commercial bank holding company. It is headquartered in Providence, R.I., and through its subsidiaries has more than 1,400 branches, approximately 3,700 ATMs and approximately 18,940 colleagues. 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. RBSCFG has non-branch retail and commercial offices in more than 30 states. RBSCFG is owned by RBS (the Royal Bank of Scotland Group plc). RBSCFG’s website is citizensbank.com.



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