Citigroup Ranked #1 Commercial Card Issuer by Nilson Report

Citigroup Accounts For $23.1 Billion Of $150.2 Billion Market

New York, September 7, 2004 – Citigroup is the largest issuer of Visa and MasterCard commercial cards in the United States, according to The Nilson Report, a leading publication covering consumer payment systems worldwide. Citigroup topped Nilson Report’s list of 50 commercial card issuers with volumes of $23.1 billion for 2003, a 17 percent increase over the previous year. This represents more than 2,400 commercial accounts and more than 3 million cards.

“Our ranking in the U.S. is a testament to our global strategy,” said Gary Schneider, Managing Director and Global Business Manager for Citibank® Commercial Cards. “That strategy is to offer consistency in our commercial card offerings – common features, functions, and capabilities – regardless of the country in which the cards are issued. This drives usage both within specific markets and globally.”

Citibank® Commercial Cards combine traditional corporate travel and purchasing card programs with advanced technology and data reporting tools. It offers four commercial card products – Citibank® Purchasing Card, Citibank® Corporate Card, Citibank® One Card, Citibank® Fleet Card – available in 30 countries in North and South America, Asia and Europe.

According to The Nilson Report, commercial credit and debit cards issued in the U.S. generated $150.25 billion in purchases of goods and services during 2003, up 18.8 percent over 2002.

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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.

About Citigroup Global Transaction Services
Citigroup Global Transaction Services is a leading provider of integrated cash management, trade finance, securities services and commercial card solutions to corporations, financial institutions and governments around the world. The Citibank® Commercial Cards products – Citibank® Corporate Card, Purchasing Card, One Card and Electronic Account – deliver the industry’s most advanced and innovative Web-based purchasing, payment, expense management and data integration solutions for business-to-business transactions. Citigroup is the largest bankcard issuer in the United States. For more information on Citibank Commercial Cards, please visit www.citimanager.com.

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