QUANTUMONLINE.COM SECURITY DESCRIPTION:  Citigroup Funding Inc., Buffer Notes based on the S&P 500 Index, due 1/7/2011, and issued at $10 per note. The Buffer Notes pay no payments prior to maturity, are not callable prior to maturity and do not guarantee any return of principal at maturity. At the maturity date of 1/7/2011 the Buffered Notes will make a maturity payment based on the value of the S&P 500 Index (starting value 885.28 as of 12/18/2008) at the third business day prior to the maturity date, which may be greater than, equal to or less than the initial $10.00 investment. If the ending value of the S&P 500 Index is greater than its starting value, the maturity payment will be equal to $10 times 300% of the index's percentage appreciation, subject to a maximum total return on the notes of 40% (approximately 19.62% per annum on a simple interest basis). If the ending value of the S&P 500 Index is less than its starting value but greater than 90% of its starting value, the maturity payment will be $10 per note. If the ending value of the S&P 500 Index is less than 90% of its starting value, the maturity payment will be $10 minus $10 times the index's percentage decrease plus 10%. See page PS-3 of the IPO Prospectus for further information on the calculation of the maturity payment, page PS-13 for hypothetical examples of the maturity payment, and page PS-22 for a discussion of the tax considerations of the maturity payments. For further information on the buffer notes, see the IPO prospectus by clicking on the ‘Link to IPO Prospectus’ provided below. The buffer notes are senior unsecured debt securities issued by Citigroup Funding Inc., guaranteed by Citigroup Inc. and will rank equally with all of their other unsecured and unsubordinated debt. Citigroup Funding Inc. is a wholly-owned subsidiary of Citigroup Inc. (NYSE: C) whose business activities consist of providing funds to Citigroup Inc. and its subsidiaries for general corporate purposes.

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HOME PAGE:     http://www.citigroup.com/ (This parent company URL is for reference only and does not have specific information on the security.)

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Address:   399 Park Avenue, New York, NY 10043
Main Phone Number	212-559-1000
Fax Number	Not Available