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/
Company's Investor Relations Information	Go to Investor Relations Information
Company's Online News Releases	Go to News Releases
Online Company Profile	Go to Online Profile

Company's Online SEC EDGAR Filings

Company's SEC EDGAR Filings

Go to SEC Filings

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