Citigroup Inc.

The following table provides details on Citigroup’s Consumer loan delinquency and non-accrual loans as of December 31, 2010:Consumer Loan Delinquency and Non-Accrual Details at December 31, 2010In millions of dollars30–89 dayspast due (1)≥ 90 dayspast due (2)90 days past dueand accruing (3)Totalnon-accrualTotalcurrent (4)(5)In North America officesFirst mortgages $ 4,809 $ 5,937 $ 5,405 $ 5,979 $ 81,105 $ 98,854Home equity loans (6) 639 1,010 — 972 44,306 45,955Credit cards 3,290 3,207 3,207 — 117,496 123,993Installment and other 1,500 1,126 344 1,014 29,665 32,291Commercial market loans 172 157 — 574 9,952 10,281Total $10,410 $11,437 $ 8,956 $ 8,539 $282,524 $311,374In offices outside North AmericaFirst mortgages $ 657 $ 573 $ — $ 774 $ 41,852 $ 43,082Home equity loans (6) 2 4 — 6 188 194Credit cards 1,116 974 409 564 40,806 42,896Installment and other 823 291 41 635 30,790 31,904Commercial market loans 61 186 1 278 27,935 28,182Total $ 2,659 $ 2,028 $ 451 $ 2,257 $141,571 $146,258(1) Excludes $1.6 billion of first mortgages that are guaranteed by U.S. government agencies.(2) Excludes $5.4 billion of first mortgages that are guaranteed by U.S. government agencies.(3) Installment and other balances are primarily student loans which are insured by U.S. government agencies under the Federal Family Education Loan Program.(4) Loans less than 30 days past due are considered current.(5) Includes $1.7 billion of first mortgage loans recorded at fair value.(6) Fixed rate home equity loans and loans extended under home equity lines of credit which are typically in junior lien positions.Totalloans (5)Consumer Credit Scores (FICOs)In the U.S., independent credit agencies rate an individual’s risk forassuming debt based on the individual’s credit history and assign everyconsumer a credit score. These scores are often called “FICO scores” becausemost credit bureau scores used in the U.S. are produced from softwaredeveloped by Fair Isaac Corporation. Scores range from a high of 850 (whichindicates high credit quality) to 300. These scores are continually updatedby the agencies based upon an individual’s credit actions (e.g., taking outa loan, missed or late payments, etc.). The following table provides detailson the FICO scores attributable to Citi’s U.S. Consumer loan portfolio as ofDecember 31, 2010 (note that commercial market loans are not includedsince they are business based and FICO scores are not a primary driver intheir credit evaluation). FICO scores are updated monthly for substantiallyall of the portfolio or, otherwise, on a quarterly basis.FICO Score Distribution inU.S. Portfolio (1)(2) December 31, 2010In millions of dollarsFICOLess than620≥ 620 but lessthan 660Equal to orgreaterthan 660First mortgages $ 24,794 $ 9,095 $ 50,589Home equity loans 7,531 3,413 33,363Credit cards 18,341 12,592 88,332Installment and other 11,320 3,760 10,743Total $ 61,986 $ 28,860 $ 183,027(1) Excludes loans guaranteed by U.S. government agencies, loans subject to LTSCs, and loans recordedat fair value.(2) Excludes balances where FICO was not available. Such amounts are not material.216