Citibank Offers to Physicians Most Easily Obtainable Loan

Press Release Citigroup Inc. (NYSE: C) 6th November 2006

From November 6, 2006, a unique loan offer for physicians is available from Citibank a.s. This loan can be used by physicians for whatever purpose they wish – from financing their newly set up medical practice offices to using it for covering their private financial needs. Due to genuine advantageousness of this new offering, Citibank has made yet another step towards creating strong business partnership with medical practitioners. Through making available this new loan for physicians, Citibank has further enhanced its current range of products and services for selected professions such as public notaries, lawyers or physicians from selected fields of specialization (neurologists, cardiologists, dental surgeons, gynecologists or ophthalmologists).

Because of the minimal administration requirements, applying for and taking out this loan is very easy. „All of us trust our doctors as far as our health is concerned. But in addition, Citibank also trusts the doctors as far as money is concerned. Therefore, we offer to all physicians this purpose-unspecified loan, characterized by a minimum of required documentation. With Citibank, it would suffice that doctors who apply for this loan will submit just their personal ID card plus a copy of their medical school diploma and, in the event of private practitioners, also their medical practitioner’s certificate as issued by their respective Chamber of Physicians. Unlike our competitors, we require neither the submission of contracts entered into with health insurers, nor providing any security interest for the loan and not even lodgement of any certificate with respect to the number of patients who are registered with given physicians per their own filing case records. Our relationship with these clients of ours is based on mutual trust,“ said Bert Pijls, Business Manager of Citibank Retail Banking Division.

Citibank Loan for Physicians has preferential interest rates and the client neither pays the credit account maintenance fee nor any early repayment sanction fee. The loan is designed for both private medical practitioners and doctors employed by the State. Maximum credit facility is Kc1 million, applicable interest rate begins at 8.9% p.a. (APR starting from 9.67%).

When applying for this loan, there’s no need for clients to have a current account opened with Citibank. Other advantages include the option to obtain an insurance policy covering inability to repay because of sickness, permanent disability or, potentially, losing one’s job (pertains to doctors who are state employees). There are several ways to apply with Citibank for taking out this loan – from using on-line application form available at www.medipujcka.cz, through making a call to Citibank infoline at 844 222 666 or, making personal visit to any Citibank branch.

Main Benefits of Citibank Loan for Physicians  Option to use the loan for whatever purpose it is wished, from financing through it one’s fitting out a newly set up medical office to covering by it each physician’s private goals or financial needs;

1  Minimum requirements imposed on submission of supporting documentation – one’s personal ID card, medical practitioner’s certificate as issued by its holder‘s respective Chamber of Physicians or, a copy of medical school diploma, respectively, will suffice;  No security interest is required;  High credit facility – up to Kc1 million  Low interest rate – from as low as 8.9% p.a. (APR begins at 9.67%);  Zero fees for credit account maintenance;  No sanction fees for early repayment of the loan;  Comfortable application procedure to be made over the Web – no need to go out to Citibank branch

Outline of tentative monthly instalments (in Kc) – without insurance 100000 200000 300000 400000 500000 600000 700000 800000 900000 1000000 12 months 8 875 17 656 26 484 35 312 44 140 52 967 61 795 70 623 79 451 88 279 24 months 4 656 9 212 13 829 18 438 23 048 27 657 32 267 36 876 41 486 46 095 36 months 3 254 6 414 9 621 12 828 16 035 19 242 22 450 25 657 28 864 32 071 48 months 2 557 5 017 7 526 10 034 12 543 15 052 17 560 20 069 22 577 25 086 60 months 2 141 4 183 6 275 8 367 10 458 12 550 14 642 16 734 18 825 20 917 72 months 1 866 3 631 5 447 7 262 9 078 10 893 12 709 14 525 16 340 18 156

For more information please contact: Markéta Dvořáčková Andrea Machálková Public Affairs Officer Communications Executive Tel: 233 061 041 Citibank a.s. Mobil: +724 356 358 Tel.: 233 062 781 e-mail: [email protected] e-mail: [email protected]

Note for editors: Citibank a.s. has been present in the Czech republic since 1991. The Bank has rapidly gained its position of the market leader in corporate banking and, Citibank’s offering of products and services has been gradually enhanced to include also small and medium- sized companies. Citibank a.s. entered the retail banking business in January of 2001 and, a number of products and services are offered to Citibank clients ever since, such as personal accounts, credit cards, personal loans, investing into mutual funds as well as CitiGold, the private banking services. For additional information about Citibank a.s. please refer to the following web site: www.citibank.cz.

Citigroup (NYSE: C), the preeminent global financial services company has some 200 million customer accounts and does business in more than 100 countries, providing consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, insurance, securities brokerage, and asset management. Major brand names under Citigroup's trademark red umbrella include Citibank, CitiFinancial, Primerica, Smith Barney, Banamex. Additional information may be found at www.citigroup.com.