Citizens Financial Group Inc.

Chris is responsible for all consumer finance activities that support the entire Citizens organization, which operates principally through the Citizens Bank and Charter One brands. Those lending activities include the following consumer loan business lines: Retail Lending, Small Business Lending, CCO Mortgage, National Home Equity (internet and broker), Indirect Auto, Indirect RV, Student Loan, Portfolio Purchases and Sales, as well as Broker Marine, RV and Aircraft. Before joining CFG in 1994, Downs spent 12 years at Chase Manhattan Corporation. Downs graduated with a B.A. from Middlebury College in Vermont. He received his M.B.A. from the University of New Hampshire's Whittemore School of Business and Economics. He is a member of the board of directors of Lincoln School of Providence, where he co-chairs the development committee and is a member of the finance committee. He also serves on the board of directors and finance committee of the International Institute and has worked in the Rhode Island Mentor Program for the past nine years.

Edwin J. Santos joined Citizens Financial Group as Executive Vice President and General Auditor in October 2004. In addition to directing the company's Audit Group, Ed is a member of the Executive Policy Committee the company's senior management team.

Maria Tedesco is the Executive Vice President and Director of Retail Banking for the Mid-Atlantic and Midwest Regions, which includes Citizens Bank in Pennsylvania, Delaware, New Jersey and New York, and Charter One Bank in Indiana, Illinois, Michigan and Ohio. She oversees traditional branch banking and supermarket-based delivery, as well as Business Strategy, Sales Support, Regional Marketing, and Branch Administration. Maria joined Citizens Bank in 1995. She has an MBA from Northeastern University and attended Radcliff College for Women in Leadership.

Mr. Curtis joined the Bank s Board of Directors in March 2006. He is a member of the board of directors of Citizens Bank Delaware. Mr. Curtis is the executive vice president of Leon N. Weiner & Associates, Inc., a multi-faceted real estate development firm which has long been recognized as an industry leader and innovator in the finance and development of affordable housing. Mr. Curtis is also the president of Arbor Management, LLC, a multifamily residential management company with a portfolio of more than 4,500 units in 56 properties throughout the Mid-Atlantic States. Mr. Curtis currently serves as the Co-Chairman of the Mortgage Roundtable, a blue ribbon panel of 50 leaders from the housing finance industry.

Jim is responsible for the national Corporate Banking businesses, which include Mid-Corporate Banking (companies $250 million to $1.5 billion in annual revenue); RBS Asset Finance; Citizens Business Capital; Cash Management; Global Markets (Foreign Exchange, International Trade Finance, Interest Rate Derivatives, and Commodities Derivatives); Dealer Financial Services; Foreign Corporates; and Citizens Capital, Inc. He also serves as the chief liaison between Citizens and RBS regarding U.S. activities. Jim previously was president of Bank of America Business Capital, an asset-based lending subsidiary; president and CEO of Fleet Capital Corporation; and chairman & CEO of Fleet-Connecticut. Jim is a 1982 graduate of Harvard.

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Stanley Lowe joined the National Trust staff in 2001 after serving eight years on the Board of Trustees and nine years on the Board of Advisors. From 1994 to 2001 he was executive director of the Housing Authority of Pittsburgh, Pa., and director of the Preservation Loan Fund of the Pittsburgh History & Landmarks Foundation, winning numerous awards for his contributions to the revitalization of the city's neighborhoods. In his current position he oversees Trust programs including Community Partners, the National Main Street Center and Preservation Development Initiatives which encourage and assist efforts to bring new economic vitality to historic residential and commercial neighborhoods.