Copyright © Six Sigma Academy International, LLC All Rights Reserved Pg 0 What Has Changed Since Baltimore? Citizens State Of Business: -Economic Pressure – Flattening Of Yield Curve $300MM Variance -Move Toward A “Manufacturing Model” For Shared Services (RBS) -Citizens Company Wide Restructuring Including Lay-offs Deployment Direction: -CSG Top Executive Lean Six Sigma Workshop -Leaning Of CSG – Initiative -Redeployment Of BB Into The Business Lines -Reduction Of Team Lead Layer/12 Shared Resources Terminated SSA Response: -Leadership Meeting (Nov 15th) - Multi-service Offerings – Negotiations Ongoing -Exploiting Multi-service Offering Approach To Broaden Skill Set Of SSA Team

Copyright © Six Sigma Academy International, LLC All Rights Reserved Pg 1 Citizens Bank University ModeLead BB/GB Mentoring (SV)John Krupar Mngt GB Training (KT)Michael Creech Mngt GB Mentoring (KT)Art Girard Leaning of CSG (KT)Charles Aguilar Lean Execution (KT)Jim Walker Self Sufficiency (SV)Sam Chakraborty Value Of Citizens Bank Relationship: Shared Value Percentage Of Savings Cash And Carry - Lean Activities & Management Development Broadening Of Skills And All Round Development Of Team Expansion Of Our Banking/Financial Services Expertise Valued Reference

Copyright © Six Sigma Academy International, LLC All Rights Reserved Pg 2 Learnings Adjust deployment offerings to the evolving goals of the client …Of course compensation modes must be adjusted to the new portfolio of offerings Project Failure Mode Analysis concluded lack of mid-level support is the major issues impacting project success …Launched Management Green Belt Program built on the “burning platform” of profitability Unique opportunity to field test large scale lean initiative in financial services …Develop diverse competencies within our team