SUMMARY ANNUAL REPORT For CITIBUILDER 401(k) PLAN FOR PUERTO RICO This is a summary of the annual report for Citibuilder 401(k) Plan for Puerto Rico,

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1 For CITIBUILDER 401(k) PLAN FOR PUERTO RICO This is a summary of the annual report for Citibuilder 401(k) Plan for Puerto Rico, EIN , Plan No. 002, for period January 01, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). Basic Financial Statement Benefits under the plan are provided by insurance and a trust fund. Plan expenses were $3,960,081. These expenses included $56,521 in administrative expenses, $3,909,780 in benefits paid to participants and beneficiaries, and ($6,220) in other expenses. A total of 1,520 persons were participants in or beneficiaries of the plan at the end of the plan year, although not all of these persons had yet earned the right to receive benefits. The value of plan assets, after subtracting liabilities of the plan, was $29,504,086 as of December 31, 2012, compared to $26,982,346 as of January 01, During the plan year the plan experienced an increase in its net assets of $2,521,740. This increase includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan's assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. The plan had total income of $6,481,821, including employer contributions of $2,282,081, employee contributions of $1,304,017, earnings from investments of $2,869,288, and other income of $26,435. You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: an accountant's report; financial information; information on payments to service providers; assets held for investment; transactions in excess of 5% of the plan assets; and information regarding any common or collective trusts, pooled separate accounts, master trusts or investment entities in which the plan participates. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the 401(k) option from the main menu. You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd. 9 th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C

2 FOR CITIGROUP 401(k) PLAN This is a summary of the annual report for Citigroup 401(k) Plan, EIN , Plan No. 004, for period January 01, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). Basic Financial Statement Benefits under the plan are provided by insurance and a trust fund. Plan expenses were $696,134,314. These expenses included $15,177,690 in administrative expenses, $680,269,454 in benefits paid to participants and beneficiaries, and $687,170 in other expenses. A total of 153,445 persons were participants in or beneficiaries of the plan at the end of the plan year, although not all of these persons had yet earned the right to receive benefits. The value of plan assets, after subtracting liabilities of the plan, was $9,475,275,125 as of December 31, 2012, compared to $8,232,170,137 as of January 01, During the plan year the plan experienced an increase in its net assets of $1,243,104,988. This increase includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan's assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. The plan had total income of $1,939,239,302, including employer contributions of $382,275,196, employee contributions of $479,215,178, earnings from investments of $1,059,733,690, and other income of $18,015,238. You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: an accountant's report; financial information; information on payments to service providers; assets held for investment; transactions in excess of 5% of the plan assets; and information regarding any common or collective trusts, pooled separate accounts, master trusts or investment entities in which the plan participates. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the 401(k) option from the main menu. You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd. 9 th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C

3 For Long-Term Disability Plan of Citibank, N.A. and Participating Companies This is a summary of the annual report of the Long-Term Disability Plan of Citibank, N.A. and Participating Companies, EIN , Plan No. 501, long-term disability, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $5,129,303 as of December 31, 2012, compared to $6,399,598 as of January 1, During the plan year the plan experienced a decrease in its net assets of $1,270,295. This decrease includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan's assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the plan year, the plan had total income of $1,742,599, including employer contributions of $1,496,112, and earnings from investments of $246,487. Plan expenses were $3,012,894. These expenses included $226,620 in administrative expenses, and $2,786,274 in benefits paid to participants and beneficiaries. You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: an accountant's report; financial information; information on payments to service providers; assets held for investment; and transactions in excess of 5% of the plan assets. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc., at 750 Washington Blvd, 9 th Floor, Stamford CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C

4 For Citigroup Dental Benefit Plan This is a summary of the annual report of the Citigroup Dental Benefit Plan, EIN , Plan No. 505, dental, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). For self-insured plans, Citigroup Inc. has committed itself to pay certain dental claims incurred under the terms of the Plan. The plan has contracts with Metropolitan Life Insurance Company and Connecticut General Life Insurance Company and Affiliates (CIGNA) to pay certain dental claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $82,503,290. Basic Financial Statement The value of Plan assets, after subtracting liabilities of the plan, was ($507,729) as of December 31, 2012, compared to ($462,897) as of January 1, During the plan year the plan experienced a decrease in its net assets of $44,832. This decrease includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan's assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the plan year, the plan had total income of $83,763,688, including employer contributions of $40,625,023, employee contributions of $43,138,617, and earnings from investments of $48. Plan expenses were $83,808,520. These expenses included $98,114 in administrative expenses, and $83,710,406 in benefits paid to participants and beneficiaries. You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: an accountant's report; financial information; information on payments to service providers; assets held for investment; and insurance information, including sales commissions paid by insurance carriers. To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd. 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C

5 For Citigroup Life Insurance Benefits Plan This is a summary of the annual report of the Citigroup Life Insurance Benefits Plan, EIN , Plan No. 506, life and accidental death, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan has contracts with Life Insurance Company of North America and Metropolitan Life Insurance Company to pay all life insurance and accidental death claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $46,594,067. Because they are so called "experience-rated" contracts, the premium costs are affected by, among other things, the number and size of claims of the total insurance premiums paid for the plan year ending December 31, 2012, the premiums paid under such "experience-rated" contracts were $570,238 and the total of all benefit claims paid under these contracts during the plan year was $733,217. You have the right to receive a copy of the full annual report, or any part thereof, on request. The item listed below is included in that report: To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd, 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S.

6 For Citigroup Health Benefit Plan This is a summary of the annual report of the Citigroup Health Benefit Plan, EIN , Plan No. 508, health, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). For self-insured plans, Citigroup Inc. has committed itself to pay certain health claims incurred under the terms of the plan. The plan has contracts with Kaiser Foundation Health Plan, Inc. (Northern and Southern California), Kaiser Foundation Health Plan of Georgia, Kaiser Foundation Health Plan of The Mid-Atlantic States, Kaiser Foundation Health Plan of Hawaii, Kaiser Foundation Health Plan of Colorado, Selecthealth, Presbyterian Health Plan Inc., Coventry Health Care of Iowa, Geisinger Health Plan, Blue Cross Blue Shield Hawaii (Health Plan Hawaii Plus (HMSA), Sanford Health Plan and Independent Health to pay certain health claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $36,667,362. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was ($65,872,347) as of December 31, 2012, compared to ($54,173,475) as of January 1, During the plan year the plan experienced a decrease in its net assets of $11,698,872. This decrease includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan's assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the plan year, the plan had total income of $780,714,356, including employer contributions of $559,083,759, and employee contributions of $221,630,597. Plan expenses were $792,413,228. These expenses included $37,172,154 in administrative expenses, and $755,241,074 in benefits paid to participants and beneficiaries. You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: an accountant's report; financial information; information on payments to service providers; assets held for investment; and insurance information, including sales commissions paid by insurance carriers. To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd. 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C

7 For Citigroup Business Travel Accident/ Medical Plan This is a summary of the annual report of the Citigroup Business Travel Accident/ Medical Plan, EIN , Plan No. 510, business travel accident insurance, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan has a contract with Ace American Insurance Company to pay all business travel accident insurance claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $248,736. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The item listed below is included in that report: To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd, 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S.

8 For Citigroup Disability Plan This is a summary of the annual report of the Citigroup Disability Plan, EIN , Plan No. 530, temporary disability and long-term disability, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). Citigroup Inc. has committed itself to pay certain temporary disability and long-term disability claims incurred under the terms of the plan. The plan has contracts with Metropolitan Life Insurance Company to pay certain temporary disability and long-term disability claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $53,644,362. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The item listed below is included in that report: To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd, 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S.

9 For Citigroup Vision Benefit Plan This is a summary of the annual report of the Citigroup Vision Benefit Plan, EIN , Plan No. 533, vision, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan has a contract with Aetna Life Insurance Co. to pay all vision claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $15,402,775. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The item listed below is included in that report: To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd, 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S.

10 For Citigroup Long Term Care Insurance Plan This is a summary of the annual report of the Citigroup Long Term Care Insurance Plan, EIN , Plan No. 535, group long-term care and health, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan has a contract with John Hancock Life Insurance Company to pay all group long-term care and health claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $5,538,369. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The item listed below is included in that report: To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the health and welfare benefits option from the main menu. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd, 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S.

11 For Citigroup Retiree Medical Benefit Plan This is a summary of the annual report of the Citigroup Retiree Medical Benefit Plan, EIN , Plan No. 550, health, for period January 1, 2012 through December 31, The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA). Citigroup Inc. has committed itself to pay certain health claims incurred under the terms of the plan. The plan has contracts with Aetna Life Insurance Co., Capital District Physician's Health Plan Inc., United Healthcare Insurance Company, Health Net, Triple S Salud, Inc., Presbyterian Health Plan Inc., Connecticut General Life Insurance Company, Humana Health Insurance Company of Florida, Inc., Humana Benefit Plan of Louisiana, Humana Health Plan, Inc, Independent Health, Kaiser Foundation Health Plan Inc, Kaiser Foundation Health Plan of Hawaii, Kaiser Foundation Health Plan of Georgia, Kaiser Foundation Health Plan of The Mid-Atlantic States, Kaiser Foundation Health Plan of Colorado, Lovelace Health Plan, MVP Health Care, UnitedhealthCare of California, UnitedhealthCare of Washington, Inc., UnitedhealthCare of Oregon, Inc., UnitedhealthCare of Oklahoma, Inc., UnitedhealthCare Benefits of Texas, Inc., Health Plan of Nevada, Tufts Health Plan, Medicare Preferred, United Healthcare of Tennessee, Inc, UnitedhealthCare Plan of The River Valley, Inc., Aetna Health, Inc., Geisinger Health Plan, UnitedhealthCare of Arizona, Hip Health Plans, UnitedhealthCare of Nevada, Coventry Health Care of Missouri, HealthPartners, Humana Medical Plan, Inc. and Humana Insurance Company to pay certain health and vision claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2012 were $8,486,481. Because they are so called "experience-rated" contracts, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2012, the premiums paid under such "experience-rated" contracts were $49,923 and the total of all benefit claims paid under these contracts during the plan year was $19,341. You have the right to receive a copy of the full annual report, or any part thereof, on request. The item listed below is included in that report: To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator at 2300 Discovery Drive, P.O. Box , Orlando, FL , or by telephone at (800) selecting the pension, retiree health and welfare, and survivor support option from the main menu. You also have the legally protected right to examine the annual report at the main office of the plan (Citigroup Inc. at 750 Washington Blvd. 9th Floor, Stamford, CT 06901) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S.