Citigroup Inc.

U.S. Installment and Other Revolving LoansThe U.S. Installment portfolio consists of Consumer loans in the followingbusinesses: Consumer Finance, Retail Banking, Auto, Student Lendingand Cards. Other Revolving consists of Consumer loans (Ready Creditand Checking Plus products) in the Consumer Retail Banking business.Commercial-related loans are not included.As of December 31, 2010, the U.S. Installment portfolio totaledapproximately $26 billion, while the U.S. Other Revolving portfolio wasapproximately $0.9 billion. In the table below, the U.S. Installment portfolioexcludes loans associated with the sale of The Student Loan Corporation thatoccurred in the fourth quarter of 2010.While substantially all of the U.S. Installment portfolio is reported in LCLwithin Citi Holdings, it does include $0.4 billion of Consumer Retail Bankingloans, which is reported in Citicorp. The U.S. Other Revolving portfolio ismanaged under Citicorp. Approximately 44% of the Installment portfolio hadFICO credit scores less than 620 on a refreshed basis. Approximately 26% ofthe Other Revolving portfolio is composed of loans having FICO scores lessthan 620.The table below provides delinquency statistics for loans 90+DPD for boththe Installment and Other Revolving portfolios. Loans 90+DPD are morelikely to be associated with low refreshed FICO scores both because low scoresare indicative of repayment risk and because their delinquency has beenreported by Citigroup to the credit bureaus. On a refreshed basis, loans withFICO scores less than 620 exhibit significantly higher delinquencies than inany other FICO band and will drive the majority the losses.For information on Citi’s loan modification programs regardingInstallment loans, see “Consumer Loan Modification Programs” below.90+DPD Delinquency Rate: December 31, 2010Refreshed Installment 90+DPD% Other Revolving 90+DPD%FICO ≥ 660 0.2% 0.0%620 ≤ FICO < 660 0.6% 0.3%FICO < 620 8.3% 7.4%Note: Based on balances of $25 billion for Installment and $0.8 billion for Other Revolving. ExcludesCanada and Puerto Rico. Excludes balances where FICO was unavailable ($0.9 billion for Installment).Balances: December 31, 2010Refreshed Installment Other RevolvingFICO ≥ 660 41% 59%620 ≤ FICO < 660 15% 15%FICO < 620 44% 26%Note: Based on balances of $25 billion for Installment and $0.8 billion for Other Revolving. ExcludesCanada and Puerto Rico. Excludes balances where FICO was unavailable ($0.9 billion for Installment).102