Present - Citigroup

Non-GAAP Financial MeasuresRECONCILIATION OF NON-GAAP FINANCIAL MEASURES$MM 1Q'07 2Q'07 3Q'07 4Q'07 1Q'08 2Q'08 3Q'08 4Q'08Managed Citi Holdings LCL NCLs $ 1,936 $ 1,975 $ 2,262 $ 2,660 $ 3,358 $ 3,707 $ 4,299 $ 4,897Less: Impact from Card Securitizations 531 499 512 501 711 725 812 862GAAP Citi Holdings LCL NCLs $ 1,405 $ 1,476 $ 1,750 $ 2,159 $ 2,647 $ 2,982 $ 3,487 $ 4,035$MM 1Q'09 2Q'09 3Q'09 4Q'09 FY 2009Managed Citi Holdings LCL NCLs $ 5,589 $ 6,434 $ 6,066 $ 5,738 $ 23,827Less: Impact from Card Securitizations 1,057 1,278 1,137 1,118 4,590GAAP Citi Holdings LCL NCLs $ 4,532 $ 5,156 $ 4,929 $ 4,620 $ 19,23743