Citigroup INC (NYSE Symbol: C)

PRESS RELEASE Citigroup INC (NYSE symbol: C) June 21, 2004

Citibank Personal Loan From As Low As 7.7 % p.a.!

Valid as of today, i.e. June 21, Citibank cuts its minimum interest rate on consumer loan by 1.2 percentage point. Citibank Personal Loan can thus be taken from as low as 7.7% p.a. (APRE 9.04%), which currently stands for the lowest rate available on the market.

Citibank Personal Loan is unsecured, purpose-unspecified consumer loan in amounts from Kc20,000 to Kc600,000, with tenors ranging from 6 to 48 months and, with the option to obtain insurance policy against one’s inability to repay the loan in case of death, permanent disability or sick leave in excess of 30 days. In order to apply for Citibank Personal Loan, no guarantor is required, no purpose must be specified and, there’s no need to have one’s account opened with Citibank. Detailed information as to the respective loan amount as available to given applicant, inclusive of the specific breakdown of repayments, is available from Citibank for 24 hours a day at the following phone number: 844 888 844. If the loan terms suit the applicant’s needs, the applicant may immediately arrange for a meeting with Citibank banking consultant not only at any Citibank branch but also at such place and at such time that is the most convenient to the applicant for the loan.

For more information please contact: Markéta Dvořáčková Andrea Machálková Public Affairs Officer Communications Executive Tel: 233 031 041 Citibank a.s. Mobil: +724356358 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, and Travelers Life and Annuity. Additional information may be found at www.citigroup.com.