CITIGROUP_AR/FH-04/4/23 04.4.23 4:00 PM y [ W 38 CITIGROUP_AR/FH-04/4/23 04.4.23 3:52 PM y [ W C1

C1 CITIGROUP_AR/FH-04/4/23 04.4.23 3:52 PM y [ W 1 CITIGROUP_AR/FH-04/4/23 04.4.23 3:52 PM y [ W 2

2 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:53 PM y [ W 3

*

55% 31%

4% 10% *

64%

10%

4% 8% 4% 10% *

’ 9%

6% 5%

2% REVENUE REVENUE EXPENSE EXPENSE

2003 2002

3 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:53 PM y [ W 4

4 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:53 PM y [ W 5

5 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:54 PM y [ W 6

6 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:54 PM y [ W 7

7 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:54 PM y [ W 8

8 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:55 PM y [ W 9

9 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:55 PM y [ W 10 CITIGROUP_AR/FH-04/4/23 04.4.23 3:55 PM y [ W 11 CITIGROUP_AR/FH-04/4/23 04.4.23 3:55 PM y [ W 12

12 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:55 PM y [ W 13

ó

13 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:56 PM y [ W 14

14 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:56 PM y [ W 15

15 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:56 PM y [ W 16

16 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:56 PM y [ W 17

17 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:56 PM y [ W 18

18 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:56 PM y [ W 19

19 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:57 PM y [ W 20

20 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:57 PM y [ W 21

21 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:57 PM y [ W 22

22 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:58 PM y [ W 23

ó

23 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:58 PM y [ W 24

24 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:58 PM y [ W 25

25 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:58 PM y [ W 26

26 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 27

27 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 28 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 29 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 30

ADWEEK EUROMONEY TECHNOLOGY GÓMEZ INC. Best Campaign: Citi Identity Theft Solutions Best Bank in Electronic Cash Management Citibank Online Ranked #1 (Best Spots of 2003) FINANCE ASIA Smith Barney Access: #1 Full-Service Brokerage ASIAMONEY Website for 3rd Consecutive (semiannual) Best Bank/Best Commercial Bank Review Cash Management and Trade Finance House of the Year—Japan Best Equity House Citi Cards Site Ranked #1 for 4th Consecutive Period Best Equities House: Nikko Salomon Smith Deal of the Year Barney Best Equity Deal INVESTMENT DEALERS’ DIGEST Best Cash Management Bank in Asia Best IPO Five Deal of the Year Awards Top Local Cash Management Bank in Best Privatization Australia, Indonesia, Korea, Malaysia, INSTITUTIONAL INVESTOR Taiwan, and Thailand Best Overall Bond Deal #1 Derivatives Dealer Best Investment-Grade Bond Deal THE ASSET #1 Global Custodian Best Foreign Commercial Bank in Australia, Best Bank/Commercial Bank/Investment INSTITUTIONAL INVESTOR’S PRIVATE Bank in Asia Hong Kong, Japan, the Philippines, Singapore, and Taiwan ASSET MANAGEMENT Best Foreign Exchange Bank in Asia High-Net-Worth Platform of the Year FORBES.COM Best Equity Deal Forbes Favorite in Online Banking (citi.com), INTERNATIONAL FINANCING REVIEW Best Investment-Grade Bond Best of the Web, Winter 2003 Global Loan House of the Year THE BANKER Forbes B2B Favorite in Financial Services Global Securitisation House (CitiDirect Online Banking), Best of the Web, #1 in Best Overall Service in Latin America, Fall 2003 U.S. Dollar Bond House North America Eurodollar Bond House FORTUNE BANKING TECHNOLOGY Ranked First in America’s Most Admired Euroyen/Global Yen Bond House (Nikko) Highly Commended: Best Use of IT in Companies of 2004 by Industry Wholesale Banking European Equity House Supranational/Sovereign Agency Bond House CAPITAL MAGAZINE (HONG KONG) GLOBAL FINANCE Asia Pacific Loan House Best Private Bank Best Global Corporate Bank Asia Pacific Equity-Linked House CARTA CAPITAL MAGAZINE (BRAZIL) World’s Best Trade Finance Bank Latin America Loan House #1 Foreign Banks Category Best Global Foreign Exchange Bank

DALBAR World’s Best Bank for Cash Management MERGERS AND ACQUISITIONS ADVISER Travelers Life & Annuity Awarded the DALBAR Best Emerging Markets Bank—Global Financial Services Middle Market Deal of the Year Seal of Excellence for its Variable Life and Best Foreign Exchange Bank in Middle East Variable Annuity Quarterly Statements & Africa LATIN FINANCE EUROMONEY World’s Best Internet Bank and World’s Best Five Deals of the Year for 2003 Corporate and Institutional Internet Bank #1 in Underwriting, Trading, Advisory, MONEY Transaction Processing, Internet Best Corporate/Institutional Internet Bank in Latin America, Middle East & Africa, Central Two Smith Barney Mutual Funds Named Best Debt House & Eastern Europe among the Best 100 Funds 2003 Best Cash Management Best Corporate/Institutional Internet Bank TECHNOLOGY MANAGERS FORUM in Argentina, Australia, Bolivia, China, Best Project Finance Best Practice Award B2B Category for Colombia, Costa Rica, Guatemala, Kenya, ® Best Bank in Asia Mexico, the Netherlands, and Poland CitiDirect Online Banking Best Bank in Central & Eastern Europe Best Online Cash Management Bank in Central TREASURY MANAGEMENT Best Bank for International Cash Management & Eastern Europe INTERNATIONAL World’s Best Bank for Cash Management Best Bank for Liquidity and Working Capital Best Global Cash Management Bank & Payments Management in Latin America Best Bank in e-Commerce Best Bank for Cross-Border Pooling and Netting Best Cash Management Bank in North America in Asia and Latin America

GLOBAL INVESTOR TREASURY AND RISK MANAGEMENT Best Service in Emerging Markets—Research Best International Cash Management Bank Best Service in Emerging Markets—Trading U.S. DEPARTMENT OF EDUCATION Best Global Custodian in Asia First “Exceptional Performer” Designation: Student Loan Corporation Best Regional Custodian in Latin America Best Overall Clearing Bank WORKING MOTHER 100 Best Companies for Working Mothers

30 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 31

3.6 3.1 164 2.5 123 132 2.2 115 97 1.6

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

2.2 90.7 82.0 1.9 1.9 71.4 62.3 1.4 53.7 1.2

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

240 4.2 208 3.0 146 2.4 1.8 117 123 1.6 159 119 132 75 82

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

1.2 1,068 1.0 965 977 977 0.9 891 0.8 0.8

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

31 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 32

4.6 3.8 3.9 4.0 12.1 10.9 10.3 10.2 3.1 10

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

0.8

0.6 6.4 0.5 4.8 5.1 0.4 3.8 4.1

0.2

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

0.9 0.8 0.8 0.7 0.6 71 61 61 50 55

2 2 2 3 7 1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

0.6 195 0.5 170 153 159 0.4 140 0.3 0.3

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

0.4 0.4 521 0.3 440 463 377 410 0.2 0.2

1999 2000 2001 2002 2003 1999 2000 2001 2002 2003

32 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 33

$ 3,631 $ 3,081 18% 1,928 2,199 (12) 4,176 3,031 38 (87) (59) (47) 9,648 8,252 17

4,632 3,995 16 770 558 38 (15) (1,394) 99 5,387 3,159 71 778 799 (3)

751 617 22 551 463 19 394 443 (11) 1,696 1,523 11 230 (229) NM 114 (56) NM $ 17,853 $ 13,448 33% – 1,875 – – (47) – $ 17,853 $ 15,276 17%

$ 3.42 $ 2.59 32% $ 3.42 $ 2.94 16% $ 77,442 $ 71,308 9% 19.8% 18.6%

33 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 34

Valentin Diez Marisa Lago Vice Chairman Compliance C. Michael Armstrong CEO, Sales and Marketing Chairman, Comcast Corporation Grupo Modelo, S.A. de C.V. Marjorie Magner*∞+ Alan MacDonald*∞+ Chairman & CEO Global Relationship Bank Alain J.P. Belda Robert Druskin*∞ Chairman & CEO, Alcoa Inc. President & CEO Ellen Alemany* Tom Maheras*∞ Global Corporate & Investment EVP, Commercial Businesses Group Global Capital Markets George David Banking Group Chairman & CEO, United Ajay Banga* William Mills∞ Technologies Corporation John V. Faraci President, Retail Banking, N.A. CEO, Europe, Middle East & Africa Chairman & CEO ✝ Hans Morris∞ Kenneth T. Derr International Paper Company Jorge A. Bermudez*∞ Chairman, Retired, ChevronTexaco EVP & CEO, Latin America CFO Corporation Richard J. Harrington Michael R. Dunn∞ Robert Morse*∞ President & CEO CEO, Asia Pacific John M. Deutch The Thomson Corporation CFO Institute Professor, Massachusetts Steven J. Freiberg* Jessica Palmer Institute of Technology Andrea Jung Risk Management Chairman & CEO Chairman & CEO, Citi Cards, N.A. Roberto Hernández Ramirez Avon Products, Inc. Roy A. Guthrie*∞ Charles K. Whitehead∞ Chairman Japan Banco Nacional de México James M. Kilts President & CEO, CitiFinancial Chairman & CEO International Yih Sy (Y.S.) Wong* Ann Dibble Jordan ∞ The Gillette Company EM Sales & Trading Consultant Kevin M. Kessinger* Ralph S. Larsen President, Consumer Finance, N.A. Dudley C. Mecum Former Chairman & CEO Manuel Medina-Mora*∞ Managing Director, Capricorn Johnson & Johnson Holdings, LLC CEO, Banamex Göran Lindahl Richard D. Parsons Stephanie B. Mudick Thomas W. Jones*∞+ Chairman, Sony Group Europe EVP & CAO Chairman & CEO Chairman & CEO, Time Warner Inc. Former President & CEO, ABB Ltd. Ray Quinlan* Stephen Cone Andrall E. Pearson ■✝ ∞ Sir Deryck Maughan*∞ + EVP, International Credit Cards Marketing & Public Relations Founding Chairman, YUM!Brands, Inc. Chairman & CEO Charles Prince*∞ Citigroup International Frederik (Frits) F. Seegers*∞ Chris Robinson CEO, Asia Pacific CAO/CFO CEO, Citigroup Inc. Henry A. McKinnell, Jr., Ph.D. Robert E. Rubin*∞ Chairman & CEO Jean-Paul Votron*∞ Michael Rosenbaum Chairman, Executive Committee; Pfizer Inc. CEO, Europe, Middle East & Africa General Counsel Member, Office of the Chairman, Sir John Parker FREng Simon Williams*∞ Robert Shepler Citigroup Inc. Chairman EVP, Chief Risk Officer Corporate Development & Retirement National Grid Transco plc Services Franklin A. Thomas Martin J. Wong Consultant, TFF Study Group Charles Prince*∞ General Counsel Sanford I. Weill CEO, Citigroup Inc. David W. Young∞ Chairman, Citigroup Inc. William R. Rhodes*∞+ Treasurer Robert B. Willumstad*∞+ Senior Vice Chairman, Citigroup Inc.; Thomas W. Jones*∞+ President & COO, Citigroup Inc. Chairman, Citicorp/Citibank, N.A. Chairman & CEO Arthur Zankel Robert E. Rubin*∞ Peter Cieszko Senior Managing Partner, High Rise Director; Chairman, Executive U.S. Retail & High Net Worth Capital Management, L.P. Committee, Citigroup Inc.; Member, Robert Druskin*∞ Office of the Chairman, President & CEO Michael Even HONORARY DIRECTOR Citigroup Inc. CIO The Honorable Gerald R. Ford Suneel Bakhshi*∞ Stephen Hopkins Former President of the United States H. Onno Ruding EM Corporate Banking Retired Vice Chairman COO Randy Barker∞ Citibank, N.A. Evan Merberg Former Minister of Finance Global Fixed Income ∞ Institutional & International The Netherlands Jorge Bermudez*∞■ Peter Wilby Prof. Dr. Ekkehard Schulz CEO, Latin America CIO, North American Fixed Income, Chairman of the Executive Board Umberto Agnelli Frank Bisignano*∞ High Yield & Emerging Markets Chairman, Fiat S.p.A. ThyssenKrupp AG CEO, Global Transaction Services Chairman, IFI S.p.A. Morris Tabaksblat Geoff Coley∞ Sir Peter Bonfield Chairman Global Fixed Income Senior Non-Executive Director Reed Elsevier Peter K. Scaturro*∞ AstraZeneca PLC John Donnelly CEO Sanford I. Weill Senior Human Resources Officer Former Chief Executive Chairman British Telecommunications plc Michael Even Citigroup Inc. James Forese*∞ CIO Thierry Breton Global Equities Robert B. Willumstad*∞+ Chairman & CEO, France Telecom Koichiro Kitade∞ President & COO, Citigroup Inc. Edward F. Greene President, Japan General Counsel Michael A. Carpenter Lorenzo H. Zambrano Chairman & CEO Damian Kozlowski Chairman & CEO Michael Klein*∞ President, U.S. Citigroup Global Investments CEMEX, S.A. de C.V. Global Banking John L. Clendenin Frances Sevilla-Sacasa∞ Toshiharu Kojima*∞ President, Latin America & Europe Former Chairman & CEO Nikko Citigroup BellSouth Corporation

* ✝ ∞ ■ + ▲ 34 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 3:59 PM y [ W 35

Deepak Sharma∞ Katherine McG. Sullivan■✝ Deepak Sharma▲ William Hannon* President, Asia Pacific & Middle East EVP President, Citigroup Private Bank, Controller & Chief Accounting Asia Pacific & Middle East Officer Paco Ybarra Michael S. Helfer*∞ Head of Financial Markets, Citibank General Counsel & Corporate Shirish Apte Asia Pacific Secretary CEO, Global Corporate & George Kokulis*∞ Investment Banking Group, Central Deborah Hopkins*∞ Chairman & CEO & Eastern Europe, Middle East & Chief Operations & Technology Africa Officer Jorge Bermudez*✝ Atif Aslam Bajwa CEO, Latin America Sir Deryck Maughan*■ ∞✝+ Cluster Head, Poland, Hungary, Vice Chairman Czech Republic, Slovakia, Romania Betty Devita Ed Cassidy Consumer Business Executive, North Victor Menezes* Division President, Life Insurance Sir Winfried F.W. Bischoff* Latin America & Caribbean Division Senior Vice Chairman Chairman, Citigroup Europe Glenn Lammey Gustavo C. Marin Michael Neborak CFO Sue Harnett Citigroup Country Officer, Brazil Corporate Development Director, Retail Bank, & Deputy CEO Frances Sevilla-Sacasa▲ Douglas L. Peterson* Brendan Lynch ✝ Division President, Institutional William Mills President, Latin America & Europe, Chief Auditor Annuities CEO, Global Corporate & Citigroup Private Bank Investment Banking Group Europe, Charles Prince*∞ Kathleen Preston Middle East & Africa CEO Division President, Retail Annuities Frances Sevilla-Sacasa▲ Sheri Ptashek* Dave Tyson President, Latin America & Europe, A. Richard Janiak Director, Investor Relations CIO Citigroup Private Bank Managing Director, Smith Barney William R. Rhodes* + International Private Client Group ∞ Deepak Sharma▲ Senior Vice Chairman; Chairman, President, Citigroup Private Bank, Jeffrey R. Shafer Citicorp/Citibank, N.A. Asia Pacific & Middle East Vice Chairman, International Thomas F. Rollauer Investment Banking, Citigroup ■ Global Compliance Jean-Paul Votron* Global Markets Inc. CEO, Global Consumer Group, Saul Rosen Michael Froman∞ Yih Sy (Y.S.) Wong*✝ Middle East & Africa Chief Tax Officer President & CEO, CitiInsurance Emerging Markets Sales & Trading Terry Williams Michael Schlein* Business Head, CitiFinancial SVP, Global Corporate Affairs, International, Europe Human Resources & Business Practices Michael A. Carpenter* George Blauvelt Chairman & CEO Zion Shohet*∞ Chief Risk Officer Strategy & Business Development William Comfort Stephen Bird CEO, CitiFinancial Japan Hilary Condit Todd S. Thomson*∞+ Citigroup Venture Capital Corporate Affairs Koichiro Kitade▲ EVP, Finance, Strategy, Operations & Technology; CFO President, Citigroup Private Bank Rudi De Koker Risk & Capital Analysis Guy Whittaker Toshiharu Kojima*✝ Treasurer CEO, Nikko Citigroup Limited Rick Hanna Sallie Krawcheck* Mergers & Acquisitions Robert B. Willumstad* + Chairman & CEO Joyce A. Phillips ∞ President & COO; President & Managing Director, Citibank Alan D. Jones CEO, Citicorp/Citibank, N.A. Jeffrey I. Hack Retail Bank Senior Human Resources Officer CFO, COO, Private Client Group Charles K. Whitehead ✝ Rachel Robbins William R. Kennedy* Citigroup Country Officer General Counsel Director, Global Equity Research Edward G. Watson Robin Leopold CFO Senior Human Resources Officer Manuel Medina-Mora* W. Thomas Matthews* CEO, Banamex President & CEO, Private Client Group Fernando Quiroz Robles Eric Aboaf Capital Allocation Michael J. Sharp Corporate Director, Planning & Development, Banamex General Counsel Sir Winfried F.W. Bischoff*∞ Chairman, Citigroup Europe David C. Bushnell*∞+ Ahmed Fahour Senior Risk Officer CEO, Citigroup Australia / Nicholas Calio*∞ New Zealand Sir Deryck Maughan*■✝+ SVP, Global Government Affairs Robert Morse*✝ ■ Chairman & CEO Stanley Fischer*∞ CEO, Global Corporate & ■✝ Vice Chairman Stanley Fischer* Investment Banking Group, President; Head, Global Sovereigns Asia Pacific Pamela P. Flaherty Stephen Long*✝ Frederik (Frits) F. Seegers*■ SVP, Global Community Relations COO CEO, Global Consumer Group, James M. Garnett, Jr. Asia Pacific Risk Architecture

35 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 4:00 PM y [ W 36

Algeria Bulgaria Ecuador India Macau Portugal Thailand Kamal B. Driss Plamen Iltchev Francisco Aristeguieta Sanjay Nayar Catherine Weir Paulo Gray Terence (Tab) Cuddyre Argentina Cameroon Egypt Indonesia Malaysia Puerto Rico Juan Bruchou Emeka Emuwa Michel Accad Michael Zink Piyush Gupta Alvaro Jaramillo Trinidad & Tobago Steve M. Bideshi Aruba Canada El Salvador Ireland Mexico Romania Henry Comber Martin Johansson Gijs Veltman Aidan M. Brady Manuel Medina-Mora Witold Zielinski Tunisia Reza Ghaffari Australia Cayman Islands Finland Israel Monaco Russia Les Matheson M. Carmen Butler Kari Laukkanen A.J. (Gus) Felix To be announced Allan J. Hirst Turkey Mark T. Robinson Austria Channel Islands France Italy Morocco Senegal Helmut Gottlieb (Jersey) Jean-Claude Gruffat Luca Toniutti Nuhad K. Saliba Gabriel Lopes Uganda Clive S. Jones Nadeem Lodhi Bahamas Gabon Ivory Coast Netherlands Singapore M. Carmen Butler Chile Funmi Ade-Ajayi (Côte D’Ivoire) Christopher I. Devries Sanjiv Misra Ukraine Ariel D. Sevi Asif Zaidi Nadir Shaikh Bahrain Germany New Zealand Slovakia Mohammed E. China, People’s Christine Licci Jamaica Gary Newman Igor M. Tham United Arab Al-Shroogi Republic of Peter H. Moses Emirates Richard Stanley Ghana Nigeria South Africa, To be announced Bangladesh Saviour Chibiya Japan Kahlid Qurashi Republic of Mamun Rashid Colombia Charles K. Sebastian Paredes United Kingdom Steven Puig Greece Whitehead Norway Michael Kirkwood Barbados Christos Sorotos Mai-Lill Ibsen Spain Steve M. Bideshi Congo, Democratic Jordan Sergio de Horna Uruguay Republic Guam Suhair Al-Ali Pakistan Daniel Varese Belgium Michel Losembe Vic Lim Zubyr Soomro Sri Lanka José de Peñaranda Kazakhstan Kapila Jayawardena Venezuela de Franchimont Costa Rica Guatemala Dan Connelly Panama Henry Comber Victor Manuel Juan A. Miro Francisco Conto Sweden Bermuda Balcazar Kenya Jan Belfrage Vietnam Steve M. Bideshi Haiti Srinivasan Sridhar Paraguay Charly Madan Czech Republic Gladys M. Coupet To be announced Switzerland Bolivia Atif Bajwa Korea (South) Per Etholm Virgin Islands Agustin Davalos Honduras Sajjad Razvi Peru (U.S.) Denmark Maximo Vidal Franco Moccia Taiwan Alvaro Jaramillo Brazil Christopher I. Devries Lebanon T.C. Chan Gustavo Marin Hong Kong Elia S. Samaha Philippines Zambia Dominican Catherine Weir Jim Hunt Tanzania, Rajaram Brunei Republic Luxembourg Republic of Venkatraman Glen R. Rase Hungary Marc E. Pecquet Poland Mayank Malik Ignacio Jasminoy Zdenek Turek Sunil Sreenivasan

36 | CITIGROUP 2003 CITIGROUP_AR/FH-04/4/23 04.4.23 4:00 PM y [ W 37 citigroup.com ©2004 Citigroup Inc. 138780 3/04 CIT2050