CECA and Citigroup Sign Letter of Credit Processing Agreement

London & New York, 11 October 2004 – CECA (Confederacion Española del Cajas de Ahorros) and Citigroup have reached agreement for the private lable processing of CECA’s Asian letters of credit by Citigroup’s Asian operations. Under this landmark partnership agreement, Citigroup will provide processing services to CECA and also to those other members of the Spanish Confederation of Savings Banks who elect to join this program.

The goal of the program is that letters of credit will be issued and processed under the name of a company that will be clearly identified, with CECA using Citigroup’s award winning back office services.

Roberto Aleu Sanchez, Head of Capital Markets, Products and Services for CECA said: “We are pleased to be working with Citigroup as our partner. Citigroup proposed a tailored solution to handling our Asian trade business which will clearly meet CECA’s requirements.”

John Ahearn, Acting Head of Trade Services for Citigroup Global Transaction Services commented: “We are very excited about this opportunity with CECA and to enhance the already broad banking relationship of our two banks. The program we have agreed to undertake enables CECA and Citigroup to co-operate closely in a structure that benefits both parties, a true win-win situation.”

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About Citigroup
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. 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 and fund services and commercial card solutions to corporations, financial institutions and governments around the world. With over US$ 115 billion in average liability balances, more than US$ 6.7 trillion in assets under custody and the largest proprietary branch network, Citigroup’s award-winning operating systems and Internet-based delivery channels enable clients to manage and monitor working capital and investments more efficiently, streamline transaction processing cycles, and re-engineer receivables and payment processes. Citigroup Global Transaction Services provides clients with access to Citigroup’s full range of capabilities and solutions along with an on-the-ground presence and in-depth knowledge of more than 100 local markets. For additional information, see www.transactionservices.citigroup.com.

About CECA
CECA acts as the Confederation for the 46 Spanish Savings Banks representing the interests of the Sector in front of national and international central authorities and organizations as well as provides centralised services in the operational, technological and financial core lines of business. The Spanish Savings Banks, with a network of 20.893 branches, all of them directly linked to SWIFT, and with total deposits amounting to EUR 398.746 million as at December, 31st 2003, control a market share of over 54% of the total financial system in Spain.

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