Present - Citigroup

Citi Holdings – Local Consumer Lending$BNet Income1.1 12 1.20.4 0.1(1.1) (1.2)(1)(2.3) (2.3)2009(1.4)(2.1) (2.3)Managed Revenues (2) $23.3Managed Net Credit Losses (2) PPNR $11.8(4.2)Expenses 10.41Q'07 2Q'07 3Q'07 4Q'07 1Q'08 2Q'08 3Q'08 4Q'08 1Q'09 2Q'09 3Q'09 4Q'09PB&C 1.11.9 2.0 2.32.73.4Managed Net Credit Losses (2) Managed NCLs (2) $23.86.46.15.65.74.94.337 3.7 Loan Loss Reserves (3) $271Q'07 2Q'07 3Q'07 4Q'07 1Q'08 2Q'08 3Q'08 4Q'08 1Q'09 2Q'09 3Q'09 4Q'09(1) Excludes $(2.6)B after-tax goodwill impairment charge. (2) Managed metrics are non-GAAP financial measures. For additional information on thesemeasures please see pages 34 and 43.(3) LLR attributable to Local Consumer Lending is for analytical purposes only. Shown pro forma for FAS 166/167 impact (using 12/31/09 balances).9