Citigroup Inc.

As of December 31, 2010, the first mortgage portfolio was approximately$89 billion, a reduction of $18 billion, or 17%, from December 2009. Firstmortgage loans with refreshed FICO score below 660 and refreshed LTVabove 100% were $12.6 billion as of December 31, 2010, $2.3 billion, or 15%,lower than the balance as of December 2009. Similarly, the second mortgageportfolio was approximately $42 billion as of December 31, 2010, a reductionof $7 billion, or 14%, from December 2009. Second mortgage loans withrefreshed FICO score below 660 and refreshed LTV above 100% were $6.1 billionas of December 31, 2010, $0.6 billion, or 8%, lower than the balance as ofDecember 2009. Across both portfolios, 90+ DPD rates have generally improvedsince December 31, 2009 across each of the FICO/LTV segments outlined above,particularly those segments with refreshed FICO scores below 660.98