Citigroup Inc.

North America Cards—FICO InformationAs set forth in the table below, approximately 77% of the Citi-brandedportfolio had FICO credit scores of at least 660 on a refreshed basis as ofDecember 31, 2010, while 69% of the retail partner cards portfolio had scoresof 660 or above. These percentages reflect an improvement during 2010.Balances: December 31, 2010Refreshed Citi-Branded Retail PartnerFICO ≥ 660 77% 69%620 ≤ FICO < 660 9% 13%FICO < 620 14% 18%Note: Based on balances of $119 billion (increased from $116 billion at September 30, 2010). Balancesinclude interest and fees. Excludes Canada, Puerto Rico and Installment and Classified portfolios. Excludesbalances where FICO was unavailable ($0.5 billion for Citi-branded, $1.7 billion for retail partner cards).The table below provides delinquency statistics for loans 90+DPD for boththe Citi-branded and retail partner cards portfolios as of December 31, 2010.Given the economic environment, customers have generally migrated downfrom higher FICO score ranges, driven by their delinquencies with Citi and/or other creditors. As these customers roll through the delinquency buckets,they materially damage their credit score and may ultimately go to chargeoff.Loans 90+DPD are more likely to be associated with low refreshed FICOscores, both because low scores are indicative of repayment risk and becausetheir delinquency has been reported by Citigroup to the credit bureaus. Loanswith FICO scores less than 620, which constituted 14% of the Citi-brandedportfolio as of December 31, 2010 (down from 15% at September 30, 2010),have a 90+DPD rate of 13.9% (down from 15.0% at September 30, 2010).In the retail partner cards portfolio, loans with FICO scores less than 620constituted 18% of the portfolio as of December 31, 2010 (down from 21% atSeptember 30, 2010) and have a 90+DPD rate of 17.8% (up from 17.3% atSeptember 30, 2010).90+DPD Delinquency Rate: December 31, 2010Refreshed Citi-Branded 90+DPD% Retail Partner 90+DPD%FICO ≥ 660 0.1% 0.1%620 ≤ FICO < 660 0.6% 0.9%FICO < 620 13.9% 17.8%Note: Based on balances of $119 billion (increased from $116 billion at September 30, 2010). Balancesinclude interest and fees. Excludes Canada, Puerto Rico and Installment and Classified portfolios. Excludesbalances where FICO was unavailable ($0.5 billion for Citi-branded, $1.7 billion for retail partner cards).FICO Trend Information—North America CardsCiti-Branded CardsIn billions of dollars10080604020061.255.255.6 57.4 58.321.9 20.9 20.0 18.5 17.74Q09 1Q10 2Q10 3Q10 4Q10FICO < 660 FICO ≥ 660Note: Excludes Canada, Puerto Rico and Installment and Classified portfolios. Balances include interestand fees. Balances based on refreshed FICO. Chart also excludes balances for which FICO was unavailable($0.7 billion in 4Q09, $0.6 billion in 1Q10, $0.6 billion in 2Q10, $0.6 billion in 3Q10 and $0.5 billionin 4Q10).Retail Partner CardsIn billions of dollars605040302010034.230.2 30.020.0 18.3 16.3 14.6 13.2FICO < 660 FICO ≥ 66027.7 30.04Q09 1Q10 2Q10 3Q10 4Q10Note: Excludes Canada, Puerto Rico and Installment and Classified portfolios. Balances include interestand fees. Balances based on refreshed FICO. Chart also excludes balances for which FICO was unavailable($2.1 billion in 4Q09, $2.1 billion in 1Q10, $2.1 billion in 2Q10, $2.0 billion in 3Q10 and $1.7 billionin 4Q10).As of December 31, 2010, the Citi-branded cards portfolio totaledapproximately $76 billion (excluding the items noted above), a reductionof $7 billion, or 9%, from December 31, 2009, primarily driven by lowerbalances in the FICO below 660 segment. In the Citi-branded cardsportfolio, loans with refreshed FICO scores below 660 were $17.7 billionas of December 31, 2010, $4.2 billion or 19% lower than the balance asof December 31, 2009. Similarly, the retail partner cards portfolio wasapproximately $43 billion (excluding the items noted above) as of December31, 2010, a reduction of $11 billion, or 20%, from December 31, 2009. In theretail partner cards portfolio, loans with refreshed FICO scores below 660 were$13.2 billion as of December 31, 2010, $6.8 billion, or 34%, lower than thebalance as of December 31, 2009.101