Citibank Financial Centers Celebrate Partnership With Habitat for Humanity from November 26 - December 24.

Business Editors

NEW YORK--(BUSINESS WIRE)--Nov. 19, 2001

"Communities are Built with Hearts and Souls, Not Just

Bricks and Mortar"

Citibank, a member of Citigroup, will celebrate the people who volunteer with and support Habitat for Humanity International (HFHI) at its Financial Centers nationwide from November 26 through December 24.

As part of the celebration, Citibank Financial Centers will be giving away (while supplies last) the new Citigroup/HFHI "Design Your Dreams" calendar for 2002. Information on the work of HFHI for those wishing to support the organization also will be available at the Financial Centers.

"Communities are built with hearts and souls, not just bricks and mortar, and we are very pleased to salute the thousands of volunteers who carry out the work of Habitat," said Marge Magner, senior executive vice president and chief administrative officer for Citigroup's Global Consumer Business. "Our partnership with Habitat is a natural one since we share with them the goal of helping to develop quality, affordable housing and to ensuring that quality, affordable financial products and services are available so families can feel confident in assuming the responsibility of homeownership."

Over the past three years, the Citigroup Foundation awarded close to $3 million to HFHI and its affiliates around the world. Here in the U.S., the company-managed "Citigroup Builds Communities" volunteer program unites employees from across business units -- Citibank, Salomon Smith Barney, Travelers, CitiFinancial, CitiMortgage and Primerica - as they work on building Habitat homes. To date, the "Citigroup Builds Communities" program has engaged more than 6,000 employees in 20 states logging 54,000 volunteer hours to build 63 homes.

"We are grateful to Citigroup for their generous support and for their commitment to strengthening communities," said Millard Fuller, founder and president of Habitat for Humanity International. "Thanks to their efforts, close to six dozen families in need will have decent, affordable shelter."

Owning a home has long been the American dream, and is more of a reality today than in any period in history. However, for those still pursuing the dream of homeownership, Citibank offers information through free seminars, and other programs that will provide the guidance they may need to achieve their goals. Seminars open to the public during the month of December includes one for first-time homebuyers. Locations, dates and times are available at each Citibank Financial Center location.

Founded in 1976 by Millard Fuller, along with his wife, Linda, Habitat for Humanity International and its affiliates in more than 2,000 communities in 79 nations have built and sold more than 100,000 homes to partner families with no-profit, zero-interest mortgages. Habitat for Humanity's work is accomplished at the community level by affiliates-independent, locally run, nonprofit organizations. For more information on donating to Habitat or volunteering with your local affiliate, please visit HFHI's web site at www.habitat.org or call [phone].

Citibank is a member of Citigroup (NYSE: C), the preeminent global financial services company with some 190 million customer accounts in more than 100 countries. Citigroup provides 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. The Citigroup Foundation primarily focuses its grant making in three areas: financial education, educating the next generation, and building communities and entrepreneurs. Additional information may be found at: www.citigroup.com .