MyPlanIQ 401k Investor CITIZENS BANK EMPLOYEES` RETIREMENT SAVINGS PLAN

CITIZENS BANK EMPLOYEES` RETIREMENT SAVINGS PLAN Investment Model Portfolios

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CITIZENS BANK 401(K) PLAN
CITIZENS BANK EMPLOYEES' RETIREMENT PLAN
Investment Options
Total Available Funds: 26
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS PEPSX Principal International Emerging Markets
REAL ESTATE
REAL ESTATE PIREX Principal U.S. Property
INTERNATIONAL EQUITY
Foreign Small/Mid Value DISVX Principal International Small Company
Foreign Large Blend PINIX Principal International Stock
Others
Target Date 2050+ PPLIX Principal Life Time 2050
Target Date 2036-2040 PTDIX Principal Life Time 2040
Target Date 2026-2030 PMTIX Principal Life Time 2030
US EQUITY
Small Growth PGRTX Principal Small Cap Growth II
MID-CAP BLEND MPSIX Principal Mid Cap Stock Index
SMALL BLEND PSSIX Principal Small Cap Stock Index
Total Available Funds: 26
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS PEPSX Principal International Emerging Markets
REAL ESTATE
REAL ESTATE PIREX Principal U.S. Property
INTERNATIONAL EQUITY
Foreign Small/Mid Value DISVX Principal International Small Company
Foreign Large Blend PINIX Principal International Stock
Others
Target Date 2050+ PPLIX Principal Life Time 2050
Target Date 2036-2040 PTDIX Principal Life Time 2040
Target Date 2026-2030 PMTIX Principal Life Time 2030
Target Date 2016-2020 PLWIX Principal Life Time 2020
Retirement Income PLSIX Principal Life Time Strategic Income
Target Date 2011-2015 LTINX Principal Life Time 2015
Target Date 2031-2035 LTIUX Principal Life Time 2035
Target Date 2041-2045 LTRIX Principal Life Time 2045
Target Date 2021-2025 LTSTX Principal Life Time 2025
Conservative Allocation PCBFX Principal Bond Emphasis Balanced
Target Date 2000-2010 PTTIX Principal Life Time 2010
ROOT CASH Principal Money Market
US EQUITY
Small Growth PGRTX Principal Small Cap Growth II
MID-CAP BLEND MPSIX Principal Mid Cap Stock Index
SMALL BLEND PSSIX Principal Small Cap Stock Index
LARGE BLEND PLFPX Principal Large Cap Stock Index
LARGE BLEND PSGFX Principal Stock Emphasis Balanced
LARGE GROWTH PPIIX Principal Large Cap Growth II
SMALL VALUE PVSIX Principal Small Company Value
LARGE VALUE PCCBX Principal Partners Large Cap Value
LARGE BLEND PLBIX Principal Large Company Blend
FIXED INCOME
Intermediate Government PMRIX Principal Government Securities
Total Available Funds: 26
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
Emerging Market
DIVERSIFIED EMERGING MKTS PEPSX Principal International Emerging Markets 89% 3 60 0 1.11% 0.14%
REAL ESTATE
REAL ESTATE PIREX Principal U.S. Property 81% 3 60 0 1.99% 1.95%
INTERNATIONAL EQUITY
Foreign Small/Mid Value DISVX Principal International Small Company 100% 3 60 0 0.43% 5.3%
Foreign Large Blend PINIX Principal International Stock 89% 3 60 0 1.07% 12.38%
Others
Target Date 2050+ PPLIX Principal Life Time 2050 100% 3 60 0 1.04% 1.55%
Target Date 2036-2040 PTDIX Principal Life Time 2040 94% 3 60 0 1% 1.92%
Target Date 2026-2030 PMTIX Principal Life Time 2030 93% 3 60 0 1.45% 2.56%
Target Date 2016-2020 PLWIX Principal Life Time 2020 90% 3 60 0 0.91% 7.1%
Retirement Income PLSIX Principal Life Time Strategic Income 84% 3 60 0 1.4% 4.58%
Target Date 2011-2015 LTINX Principal Life Time 2015 83% 3 60 0 0.91% 3.15%
Target Date 2031-2035 LTIUX Principal Life Time 2035 81% 3 60 0 0.62% 2.23%
Target Date 2041-2045 LTRIX Principal Life Time 2045 78% 3 60 0 0.66% 5.47%
Target Date 2021-2025 LTSTX Principal Life Time 2025 76% 3 60 0 0.81% 6.02%
Conservative Allocation PCBFX Principal Bond Emphasis Balanced 67% 3 60 0 0.82% 2.06%
Target Date 2000-2010 PTTIX Principal Life Time 2010 0% 3 60 0 0.72% 7.1%
ROOT CASH Principal Money Market 0% 0 60 0 NA 2.6%
US EQUITY
Small Growth PGRTX Principal Small Cap Growth II 84% 3 60 0 1.19% 7.87%
MID-CAP BLEND MPSIX Principal Mid Cap Stock Index 82% 3 60 0 0.42% 1.31%
SMALL BLEND PSSIX Principal Small Cap Stock Index 77% 3 60 0 0.54% 8.48%
LARGE BLEND PLFPX Principal Large Cap Stock Index 71% 3 60 0 0.52% 2.67%
LARGE BLEND PSGFX Principal Stock Emphasis Balanced 61% 3 60 0 1.72% 1.09%
LARGE GROWTH PPIIX Principal Large Cap Growth II 0% 3 60 0 0.87% 3.95%
SMALL VALUE PVSIX Principal Small Company Value 0% 3 60 0 NA 0%
LARGE VALUE PCCBX Principal Partners Large Cap Value 0% 3 60 0 2.01% 10.02%
LARGE BLEND PLBIX Principal Large Company Blend 0% 3 60 0 0.74% 14.01%
FIXED INCOME
Intermediate Government PMRIX Principal Government Securities 76% 3 60 0 0.67% 2.52%
Average Expense Ratio: 0.98%
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Model Portfolios
Strategic Asset Allocation - Equal Weight: Click here to see this strategy description
Equal Weight & Regular Rebalance YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click for Portfolio Details or Follow -1.1% 3.5% -0.7% 4.1% 3.9% 6.7%

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Strategic Asset Allocation - Optimal: Click here to see this strategy description
Optimal Weight & Regular Rebalance YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click to Create Model Portfolio

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Tactical Asset Allocation: Click here to see this strategy description
Dynamic Asset Switching YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click for Portfolio Details or Follow -2.0% 2.9% 0.2% 4.4% 4.0% 6.5%

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click to Create Model Portfolio

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Description(Ticker:)
The plan consists of 26 funds. It covers 5 major asset classes and 23 minor asset classes. The major asset classes it covers are Fixed Income, US Equity, Foreign Equity, REITs and Emerging Market Equity.

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, more than 3,700 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).



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