0000950103-05-000516 Sample Contracts

SERVICE AGREEMENT between THE ROYAL BANK OF SCOTLAND plc and Frederick Inglis Watt ------------------------------ The Royal Bank of Scotland plc 42 St Andrew Square Edinburgh
Service Agreement • March 29th, 2005 • Royal Bank of Scotland Group PLC • Commercial banks, nec

THE ROYAL BANK OF SCOTLAND plc a company incorporated in Scotland (No 90312) and having its registered office at 36 St Andrew Square, Edinburgh EH2 2YB (hereinafter called "the Company") of the one part

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SUPPLEMENTARY AGREEMENT
Supplementary Agreement • March 29th, 2005 • Royal Bank of Scotland Group PLC • Commercial banks, nec

THIS SUPPLEMENTARY AGREEMENT (this “Supplementary Agreement”), dated as of November 2004, is entered into by and between Citizens Financial Group, Inc. (“Buyer”) and Charles D. Koch (the “Consultant”) to be effective from 31 August 2004.

CONSULTING AGREEMENT
Consulting Agreement • March 29th, 2005 • Royal Bank of Scotland Group PLC • Commercial banks, nec • Delaware

THIS CONSULTING AGREEMENT (this “Agreement”), dated as of May 4, 2004, is entered into by and between Citizens Financial Group, Inc. (“Buyer”) and Charles D. Koch (the “Consultant”) to be effective upon the Effective Time of the Merger contemplated by the Agreement and Plan of Merger (the “Merger Agreement”) dated as of May 4, 2004 among Charter One Financial, Inc., a Delaware corporation (the “Company”), Buyer, and Cardinal Acquisition Corp., a Delaware corporation and a wholly owned Subsidiary of Buyer (“Merger Subsidiary”). If the Effective Time does not occur, this Agreement shall be void ab initio and of no further force and effect. Capitalized terms used but not defined herein shall have the meaning set forth in the Merger Agreement.

CONTRACT OF EMPLOYMENT
Royal Bank of Scotland Group PLC • March 29th, 2005 • Commercial banks, nec
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