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Citigroup is organized into three major business groups ?Global Consumer, Corporate and Investment Banking, and Global Wealth Management ?in addition to two stand-alone businesses, Citigroup Asset Management and Citigroup Alternative Investments.

Below are brief descriptions of the most significant business activities found within each group.
Citigroup Global Consumer Group
The Citigroup Global Consumer businesses comprise the financial service sector's most diverse consumer product offerings, including banking services, credit cards, loans and insurance. Our businesses also offer industry-leading technology, a strong worldwide presence and a powerful global franchise in Citibank.
· North America Cards
With nearly 120 million accounts, our North America Cards franchise offers credit and charge cards such as MasterCard? VISA? and private label.

· International Cards
Our International Cards operation offers an array of Cards products to 20.9 million accounts in 42 countries outside of North America.

· Retail Banking North America
Retail Banking North America includes branch banking, commercial banking, commercial real estate, commercial financing and leasing, mortgages, student loans and the Primerica Financial Services distribution channel.
o Citibanking North America
o Commercial Markets/Commercial Real Estate
o CitiCapital
o CitiMortgage and My Home Equity
o The Student Loan Corporation
o Primerica Financial Services
§ Women in Primerica
§ Primerica Financial Needs Analysis
§ The Primerica Opportunity
§ Primerica Financial Solutions
§ Primerica African American Leadership Council
Banamex
· Retail Banking International
Citibank offers a wide spectrum of market-leading financial products and services, tailored to meet the needs of local customers, in over 50 countries around the world.
Consumer Finance North America
Consumer finance and community-based lending services across North America, serving some 4.3 million customers in the United States, Canada, Mexico and Puerto Rico under the CitiFinancial and Credito Familiar brands.
o CitiFinancial
o CitiFinancial Canada
· Consumer Finance International
Consumer finance and community-based lending services in 20 countries outside North America, operating under a number of brands around the world.
Women & Co.
Women and Company was created to address the unique financial needs of women. It offers personal attention and special savings on products and services suited to meet women's needs.
Corporate and Investment Banking
Our Corporate and Investment Banking (CIB) business achieves the extraordinary for our clients around the world. No financial institution is more committed to understanding and advancing the goals of its clients ?our diverse and talented staff in approximately 100 countries advise companies, governments, and institutional investors on the best way to realize their strategic objectives. We create solutions for and provide the broadest possible capital and market access to thousands of issuer and investor clients, and no institution better executes the increasingly complex payment and cash management solutions required in today's global economy.
· Global Banking
Global Banking provides comprehensive, tailored and unique solutions to top corporations, financial institutions and governments worldwide, offering strategic and financial advisory services including acquisitions, mergers, divestitures, financial restructurings, loans, foreign exchange, cash management, and structuring, underwriting and distributing equity, debt, and derivative securities.

· Global Markets
Global Markets provides world-class global capabilities for corporate, institutional and retail investors through our dominant equity and debt sales and trading platforms, industry-leading research, top-tier institutional distribution capabilities, and access to the second-largest retail brokerage network in the U.S. We are a global leader in underwriting, structuring, and sales and trading across all asset classes, including equities, corporate bonds, government and agency bonds, asset-backed and mortgage-backed securities, syndicated loans, structured and futures products.

· Transaction Services
Transaction Services provides cash management, treasury, trade finance, custody, clearing, depository receipt, agency trust services, and fund services to financial institutions, corporations, and governments that have assets and business in multiple countries and require integrated reporting and management.
Global Wealth Management
The Global Wealth Management division at Citigroup comprises three of the most respected brands in wealth management: The Citigroup Private Bank, Smith Barney and Smith Barney Global Equity Research. Global Wealth Management is a top-tier global wealth manager providing some of the best institutional capabilities available today. Serving both private and institutional clients, Global Wealth Management taps the strength and resources of Citigroup to maximize value and service.
· The Citigroup Private Bank
The Citigroup Private Bank, one of the largest private banking businesses in the world, provides personalized wealth management services for clients through its nearly 470 private bankers and 290 product specialists in more than 30 countries. The Citigroup Private Bank offers unmatched global reach, coupled with a broad range of portfolio management and investment advisory services from Citigroup Asset Management, an array of structured lending and banking services, as well as expertise from the Global Corporate and Investment Bank. Citigroup Private Bankers act as trusted advisors, designing and coordinating insightful solutions for individual client needs, with an emphasis on personalized, confidential service.

Smith Barney
Smith Barney is the global private wealth management unit of Citigroup. It is a leading provider of comprehensive financial planning and advisory services to high net worth investors, institutions, corporations and private businesses, governments and foundations. With approximately 12,100 financial consultants in so
· me 500 offices, Smith Barney offers a full suite of investment services, including asset allocation, private investments and lending services, hedge funds, cash and portfolio management, as well as retirement, education and estate planning. A division of Citigroup Global Markets Inc., the firm currently has more than 7.7 million client accounts, representing $969 billion in client assets.

· Citigroup Investment Research
Citigroup Investment Research is a highly respected research unit and is comprised of more than 300 research analysts in more than 20 locations around the world. Citigroup Investment Research covers more than 2,600 companies, representing 90 percent of the market capitalization of the major global indices, and provides macro and quantitative analysis of global markets and sector trends. Combined with Citigroup's exceptional sales and trading capabilities and Smith Barney's financial consultants, the core focus of the group is to help investing clients make informed decisions by providing value-added, independent, insightful analysis.

Citigroup Asset Management
Citigroup Asset Management provides investment management and related services to a broad spectrum of clients around the world. Citigroup Asset Management includes mutual funds, managed accounts, and private and institutional portfolios catering to the needs of every class of investor.

On June 24, 2005, Citigroup announced that it signed a definitive agreement under which it will sell substantially all of its Asset Management business in exchange for the broker-dealer business of Legg Mason, Inc., approximately $1.5 billion of Legg Mason's common and convertible preferred shares, and approximately $550 million in the form of a five-year loan facility provided by Citigroup Corporate and Investment Banking. The transaction is expected to close during the fourth quarter subject to certain regulatory approvals and customary closing conditions.

Citigroup Alternative Investments
Citigroup Alternative Investments delivers a broad offering of alternative investments, including hedge funds, credit structures, private equity, real estate, and other private placement and special investment opportunities.