QUANTUMONLINE.COM SECURITY DESCRIPTION:  Citigroup, Inc., 7.50% Tangible Dividend Enhanced Common Stock (T-DECS), stated amount $100 per unit, initially consisting of a prepaid stock purchase contract and a 6.15% subordinated amortizing note due 12/15/2012, which may be extended to 12/15/2015, with a principal amount of $20.284. The stock purchase contract will automatically settle on 12/15/2012 (and can not be deferred) for a variable number of shares of Citigroup Inc. (NYSE: C) common stock. The stock purchase settlement rate will be 25.3968 shares per unit if the then current average weighted market value is equal to or greater than $3.94 and 31.7460 shares per unit if the market value is equal to or less than $3.15. For market prices between those values the settlement rate will be $100 divided by the average market value. Prior to the IPO of this security, the last reported sale price of the common stock on 12/16/2009 was $3.45 per share. The notes pay quarterly distributions of 7.50% ($7.50) per annum (which consist of 6.15% interest payments and a partial repayment of principal on the amortizing note) on 3/15, 6/15, 9/15 & 12/15 to holders of record on the record date which is one business day prior to the payment date while the securities remain in book-entry form (NOTE: the ex-dividend date is at least 2 business days prior to the record date). The purchase contract may be settled at any time at the holder's option into 25.3968 common shares of Citigroup Inc. (NYSE: C). The company may elect to settle the purchase contract early at the maximum settlement rate of 31.7460 shares per T-DECS. If the price of the common stock exceeds 130% of the conversion price for 20 of any 30 consecutive trading days, the company may, at their option, cause the T-DECS to be converted into common shares at the then prevailing minimum settlement rate of 25.3969 per T-DECS. The company has the right, at any time, to defer the installment payments (but not beyond 12/15/2015) under circumstances described in the prospectus. Distributions paid by these securities are derived from interest paid on the underlying debt securities and therefore are NOT eligible for the 15% tax rate on dividends and are also NOT eligible for the dividend received deduction for corporate holders. The holder has the right at any time to separate the T-DECS into separate purchase contracts and notes and to later recreate T-DECS. The notes are unsecured and rank junior to the company's unsecured senior indebtedness. See the IPO prospectus for extensive additional information on the T-DECS and their mandatory conversion provisions and installment payment provisions by clicking on the ‘Link to IPO Prospectus’ provided below. Note that if there is a conflict between the above description and the prospectus, the prospectus information is the final authority.

Stock Exchange	Cpn Rate Ann Amt	LiqPref CallPrice	Call Date Matur Date	Moodys/S&P Dated	Conversion Shares@Price	Distribution Dates	15% Tax Rate
NYSE Chart	7.50% $7.5	$100.00 N/A	Called for 12/18/2012 12/15/2015	Baa3 BBB+ 11/15/2012	25.3968@$3.94+ 31.7460@$3.15-	3/15, 6/15, 9/15 & 12/15 Click for MW ExDiv Date Click for Yahoo ExDiv Date	No

Company's Online Information Links

HOME PAGE:     http://www.citigroup.com/
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Online Company Profile	Go to Online Profile

Company's Online SEC EDGAR Filings

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Company's Email Address Links

Inv Rel Email Address	investorrelations@citi.com
General Email Address	fixedincomeir@citigroup.com

Address and Phone Numbers

Address:   399 Park Avenue, New York, NY 10043
Main Phone Number	212-559-1000
Fax Number	212-793-3946
Investor Contact   John Andrews	212-559-2718
Toll Free Phone Number	877-936-2737

CEO - Vikram Pandit

CFO - John C. Gerspach