Company Overview November 7, 2006

1. Company Overview – November 7, 2006 Anirban Ghosh Damien Richburg Ben Rodgers Atul Sapkal

2. Citigroup Overview Citigroup is a global financial services firm serving both consumer and corporate customers Based in New York City with primary operations in North America, Central America, Europe, Middle East and Africa, Japan, Asia Pacific and Latin America. Organized into 3 major business groups and one stand-alone business : Citigroup Global Consumer Group Corporate and Investment Banking Global Wealth Management Citigroup Alternative Investments

3. Corporate and Investment Banking Global Banking Global Banking provides comprehensive, tailored and unique solutions to top corporations, financial institutions and governments worldwide, offering strategic and financial advisory services including acquisitions, mergers, divestitures, financial restructurings, loans, foreign exchange, cash management, and structuring underwriting and distributing equity, debt, and derivative securities  Global Capital Markets Global Capital Markets provides world-class global capabilities for corporate, institutional and retail investors through our dominant equity and debt sales and trading platforms, industry-leading research, top-tier institutional distribution capabilities Transaction services Transaction Services provides cash management, treasury, trade finance, custody, clearing, depository receipt, agency trust services, and fund services to financial institutions, corporations, and governments that have assets and business in multiple countries and require integrated reporting and management

4. Key Executives Charles Prince – Director, Chairman and Chief Executive Officer Citigroup Inc. Robert Druskin – President and Chief Executive Officer Corporate and Investment Banking Todd S. Thomson - Chairman & Chief Executive Officer Citigroup Global Wealth Management Division Steven J. Freiberg - Chairman & Chief Executive Officer, Global Consumer Group – North America Ajay Banga - Chairman & Chief Executive Officer, Global Consumer Group – International

5. Citigroup Financials

6. Stock Price Performance (NYSE: C)

7. Citigroup Financials vs. Peers

8. Citigroup Performance vs. Peers

9. Citigroup Recent News November 3rd, 2006: Financing Private Equity Deals Citigroup is one of the banks willing to finance Kohlberg Kravis Roberts’s (KKR) $50 billion friendly bid for French music and telecommunications company, Vivendi. November 3rd, 2006: Change in Pension Management In a move consistent with other big corporations like HP and IBM, Citigroup plans to stop contributing to its main U.S. pension plan beginning in 2008 and will instead bolster pension plans that employees contribute to. October 27th, 2006: Expansion in Latin America Citigroup acquires Grupo Financiero Uno (“GFU”), the largest credit card issuer in Central America, and its affiliates. The acquisition of GFU, with $2.1 billion in assets, will significantly expand the presence of Citigroup’s Latin America consumer franchise.

10. Citigroup Recent News October 19th, 2006: Latest Earnings Report Third quarter earnings released and Citigroup reported net income of $5.5 billion, or $1.10 per share. Return on common equity was 18.9%. October 19th, 2006: Dividend Report The Board of Directors of Citigroup (NYSE: C) declares a quarterly dividend on the company's common stock of 49 cents per share payable on November 22, 2006 to stockholders of record on November 6, 2006. October 17th, 2006: International Expansion Citigroup purchases 20% equity position in Turkish bank Akbank for $3.1 billion dollars. Akbank is third largest bank by assets in Turkey and the most profitable one