Citigroup Employees Across the Country Volunteer on National 'Make A Difference Day'.

NEW YORK -- Over 700 Citigroup employees will join with millions of Americans across the country on Saturday, October 23, doing volunteer projects to help make life better in local communities on the 14th annual "Make a Difference Day."

"Make a Difference Day" is the largest community service effort in the nation, rallying corporations, government leaders, charitable organizations and everyday Americans into action on one day. Last year on "Make A Difference Day," a record 3 million volunteers participated and an estimated 30 million people in need benefited.

This year, Citigroup, one of 10 National "Make A Difference Day Award" winners in 2003, will be involved in "Make a Difference Day" projects related to financial education. This aligns with Citigroup and the Citigroup Foundation's announcement made earlier this year committing $200 million over the next ten years to support programs that provide access to financial education for consumers, business entrepreneurs, institutions, and nonprofits.

"Our participation in 'Make a Difference Day' is a natural for us since our employees log thousands of hours each year volunteering in their communities," said Marge Magner, Chairman and CEO of Citigroup's Global Consumer Group. "I'm so proud of our employees, not only for their involvement in company-sponsored projects but for the many wonderful things they do as individual volunteers. Through their efforts, we strengthen our commitment to help make the communities where we live and work better places."

As part of the "Make a Difference Day" efforts, more than 200 Citigroup employees participated in the 2nd annual Get Smart About Credit Day, sponsored by the American Bankers Association Education Foundation (ABAEF). On Thursday, October 21st, over 5,000 teens and young adults across America learned the dos and don'ts of credit from Citigroup employees in over 45 cities. Citigroup volunteers joined thousands of other bank employees by visiting colleges, high schools, freshman orientations, youth groups, and continuing education classes to teach students how to budget, use credit cards responsibly and build a positive payment history.

Other "Make a Difference Day" projects include visiting local schools to teach financial education and joining with organizations like Habitat for Humanity, the Boys & Girls Clubs of America, the YWCA, and the United Way, on community service projects that build homes and refurbish and revitalize schools, ballparks, and neighborhoods.

Citigroup employees are volunteering in "Make a Difference Day" community service projects in Arizona, California, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Maryland, Missouri, North Carolina, Nevada, New Mexico, New York, Ohio, South Dakota, Texas, and Washington.

"Make A Difference Day" is held on the fourth Saturday of October and is sponsored by USA WEEKEND Magazine, in partnership with The Points of Light Foundation. USA WEEKEND, a weekly magazine published by Gannett Co. Inc., is the second most-widely read magazine in the country, has over 44 million readers and is delivered in 550+ newspapers across the nation. The Points of Light Foundation is a nonpartisan, nonprofit organization dedicated to engaging more people more effectively in volunteer community service to help solve serious social problems. Make A Difference Day supporter Paul Newman donates 100 percent of after-tax income from Newman's Own to educational and charitable causes.

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. The Citigroup Foundation focuses its grants primarily in three areas: financial education, educating the next generation, and building communities and entrepreneurs. Additional information may be found at www.citigroup.com.