FOR IMMEDIATE RELEASE

Citigroup Inc. (NYSE symbol: C)

April 15, 2003

U.S. EPA Recognizes Citigroup for Protecting the Environment through
Participation in Energy Star® 2003 Million Monitor Drive

New York --- The Environmental Protection Agency (EPA) today recognized
Citigroup for its leadership in ENERGY STAR's Million Monitor Drive
(MMD), a national campaign to reduce greenhouse gas emissions by
activating energy-efficient features on computer monitors. Citigroup's
contributions to a cleaner environment were acknowledged at an awards
ceremony held today in Washington, D.C.

ENERGY STAR estimates that 45 percent of the nation\'s computer monitors
don\'t take advantage of built-in sleep features, costing businesses and
organizations at least \$225 million a year in wasted electricity.
Activating computer monitor power management sleep settings saves energy
by allowing monitors to go into a low-power \"sleep\" mode when
inactive. A simple touch of the mouse or keyboard \"wakes\" the monitor
within seconds. Citigroup is being honored for having this feature
activated in 89,000 computer monitors used by its employees across the
U.S. Citigroup's contributions helped ENERGY STAR achieve its goal of
activating power management on one million computers in 2002. The
resulting energy savings will prevent more than 150,000 tons of CO2
emissions annually or the equivalent of preventing the emissions from
about 26,000 cars.

"Helping to protect the natural environment is a very important part of
the commitment we have made to make each community where we operate a
better place because we are there," said Pamela P. Flaherty, Senior Vice
President of Global Community Relations at Citigroup. "We are pleased to
participate in the Million Monitor Drive and to be recognized by ENERGY
STAR for our efforts."

"Environmental management at Citigroup is embedded in our operating
culture and our employees are pleased to incorporate ENERGY STAR
strategies to make an even greater difference," Said Jim LaFleur,
Managing Director at Citigroup Technology, Inc. "Monitor power
management is good for our bottom line, good for our customers, and good
for the environment."

"Citigroup has made energy efficiency an integral part of their
day-to-day operations. We recognize them for their accomplishments to
date and look forward to working with them in the future to promote the
benefits of power management to customers, client, members and
communities across the country," said Kathleen Hogan, director of EPA\'s
Climate Protection Partnerships Division. \"Their leadership in ENERGY
STAR'S Million Monitor Drive demonstrates a commitment to the
environment and to the bottom line.\"

Across the U.S., leading companies and organizations are rediscovering
the benefits of putting computer monitors to sleep. Activating sleep
settings organization-wide saves \$10-45 per monitor annually and
typically requires only a few hours of IT staff time. ENERGY STAR is
committed to making power management as easy as possible by offering
free software, technical consultation, and information to any interested
organization. With the availability of these resources and the program's
substantial financial and environmental benefits, many of the
organizations being recognized by ENERGY STAR are encouraging their
customers, clients, or members to join the drive.

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ENERGY STAR was introduced by the US Environmental Protection Agency in
1992 as a voluntary market-based partnership to reduce air pollution
through increased energy efficiency. The program offers businesses and
consumers energy-efficient solutions to save energy, money and help
protect the environment for future generations. More than 7,000
organizations have become ENERGY STAR partners and are committed to
improving the energy efficiency of products, homes and businesses. For
more information about ENERGY STAR, visit www.energystar.gov or call
toll-free 1-888-STAR-YES (1-888-782-7937).

Citigroup (NYSE: C), the preeminent global financial services company
with some 200 million customer accounts in more than 100 countries,
provides consumers, corporations, governments and institutions with a
broad range of financial products and services, including consumer
banking and credit, corporate and investment banking, insurance,
securities brokerage, and asset management. Major brand names under
Citigroup\'s trademark red umbrella include Citibank, CitiFinancial,
Primerica, Smith Barney, Banamex, and Travelers Life and Annuity.
Additional information may be found at: www.citigroup.com.