Citibank Agency and Trust Announces Opening of a New Office in Orange County, California

Irvine, California, October 12, 2004 – Citigroup Global Transaction Services, a unit of Citigroup (NYSE: C) and a leader in transaction processing, announced today the opening of a new office in Orange County, California to support its Agency and Trust business.

The office is located at 2600 Michelson Street in Irvine, California and was opened to better serve the North American corporate trust client base. It joins other business offices focusing on the Agency and Trust business in New York, London, Singapore, Mexico, and Hong Kong.

“Orange County is an ideal location for us to expand due to the high concentration of both current and prospective Agency and Trust clients and a large structured finance talent pool from which to draw experienced resources as appropriate,” said Jeffrey Volk, Managing Director with Citigroup Global Transaction Services and head of the Agency and Trust business.

Citibank Agency and Trust offers a full range of agency, fiduciary, tender and exchange, and depositary and escrow services in both established and emerging markets. It manages in excess of $ 2.5 trillion in fixed income and equity investments on behalf of 2,500 corporations, financial institutions, and sovereign governments worldwide. For more information, visit www.agencyandtrust.citibank.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.

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.

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