Citigroup Inc. (Citigroup and, together with its subsidiaries, the Company) is a
diversified global financial services holding company whose businesses provide a
broad range of financial services to consumer and corporate customers with some
200 million customer accounts doing business in more than 100 countries.
Citigroup was incorporated in 1988 under the laws of the State of Delaware.

The Company's activities are conducted through the Global Consumer, Global
Corporate and Investment Bank (GCIB), Private Client Services, Global Investment
Management (GIM) and Proprietary Investment Activities business segments.

The Company has completed certain strategic business acquisitions during the
past three years, details of which can be found in Note 2 to the Consolidated
Financial Statements.

The Company is a bank holding company within the meaning of the U.S.  ... More..."http://secfilings.nasdaq.com/edgar_conv_html%2f2004%2f03%2f01%2f0001047469-04-006087.html#"