Citibank, N.A.- Sofia Presents CitiDirect® Online Banking - Internet Banking for Corporate Clients

Service Now Available in 21 Languages and more than 90 Countries

February 3, 2004 – Sofia, Bulgaria– Citibank, N.A.- Sofia, a member of Citigroup, today presented CitiDirect® Online Banking, the bank’s online banking service for corporate clients. CitiDirect® is available in more than 90 countries and in 21 languages. It has more than 150,000 users within 25,000 corporate clients.

CitiDirect® Online Banking is Citigroup’s web-based delivery platform that offers seamless global access to an expanding array of corporate banking services through a single application, allowing customers to be more efficient, flexible and in control of their banking transactions. Whether or not companies are already transacting business on the web, they can take advantage of Internet technology and get an enhanced banking experience through CitiDirect®.

The crucial advantage of CitiDirect® is the state-of-the-art security based on the dynamic passwords and encrypted connection. The information is real time updated and 24-hours accessible. Through CitiDirect® the clients can operate not only with their accounts in Bulgaria but in every country wherever Citigroup is present. The program allows usage of payment preformats that save even more time in the completion of payment orders. CitiDirect® is unique in allowing interface with other accounting systems for automatic payments and reconciliation.

Ani Filipova, Head of Global Transaction Services Department in Citibank, N.A.- Sofia said, “CitiDirect® enables customers in Bulgaria and the world at large, to access information reporting through the web. CitiDirect® offers Bulgarian companies the ability to track and make transactions, view account balances in detail and make online inquiries. Using their own customized selection criteria, customers can retrieve reports easily and reliably, including intra-day, real-time status of their accounts.” With CitiDirect®, Citigroup is building the infrastructure that will also serve as a foundation for many of the value-added services that the bank is developing on the Internet.

Plamen Iltchev, Citigroup Country Officer for Bulgaria said, “Citigroup is a leading provider of cash management and trade services in Bulgaria and Eastern Europe at large. CitiDirect® is particularly important for treasury centers of multinational corporations and banks whose branches and subsidiaries are serviced by Citigroup in Bulgaria and around the world. CitiDirect® adds an Internet banking facility for these companies, allowing them to put all their banking functions in one place and control cash flows and liquidity of their company network in different countries and regions.”

Other services that customers in other geographic markets are accessing through CitiDirect® Online Banking include trade operations and netting which enable companies to settle their intracompany obligations from a central point. These services, as well as many other corporate banking services, will become available in Bulgaria in future releases of CitiDirect® that will also add to the range of countries and languages.

CitiDirect® has been recognized by a number of reputable international publications because of the valuable efficiency and exceptionally user-friendly interface. At the end of 2003 Citigroup was presented with “World’s Best Bank for Cash Management & Payments (2003 and 2002)” from Euromoney & Euromoney.com. In October 2003 the product was named “Best of the Web” by Forbes.com and Citigroup received top honor as the “World’s Best Internet Bank” from Global Finance magazine. Additional information about CitiDirect® Online Banking may be found at: www.citidirect.com.

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About Citigroup
Citigroup (NYSE: C), the preeminent global financial services company with some 200 million customer accounts in more than 100 countries, 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 Life and Annuity. Additional information may be found at: www.citigroup.com.

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