Form 4 Filing for Kevin Cummings

This filing reports a restricted stock unit award granted to Kevin Cummings, a director at Citizens Financial Group, Inc. The award, under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan, involved 2,608 shares of Common Stock acquired on April 23, 2026, with a transaction price of $0.0. Following this transaction, Mr. Cummings's post-transaction shares amount to 473,652.528. Additionally, he holds 57,916 shares of Common Stock indirectly through an IRA. The filing was signed by /s/ Divina P. Pabalate-Inchoco, Attorney-in-Fact, on April 24, 2026.