# EDGAR Filing Document

**Accession Number:** 0000831001
**File Stem:** 0001193125-26-010408
**Filing Date:** 2026-1
**Character Count:** 29648
**Document Hash:** cfdc04d80020451afb36856da4dcb47c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-010408.hdr.sgml**: 20260112

**ACCESSION NUMBER**: 0001193125-26-010408

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 17

**CONFORMED PERIOD OF REPORT**: 20260109

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260112

**DATE AS OF CHANGE**: 20260112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CITIGROUP INC
- **CENTRAL INDEX KEY:** 0000831001
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 521568099
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-09924
- **FILM NUMBER:** 26526920

**BUSINESS ADDRESS:**
- **STREET 1:** 388 GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 2125591000

**MAIL ADDRESS:**
- **STREET 1:** 388 GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TRAVELERS GROUP INC
- **DATE OF NAME CHANGE:** 19950519

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TRAVELERS INC
- **DATE OF NAME CHANGE:** 19940103

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRIMERICA CORP /NEW/
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? 8-K

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

### FORM 8-K

#### CURRENT REPORT

#### Pursuant to Section 13 or 15(d)

#### of the Securities Exchange Act of 1934

#### Date of Report (Date of earliest event reported) January 12, 2026 (January 9, 2026)

## Citigroup Inc.

#### (Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| Delaware | 1-9924 | 52-1568099 |
| (State or other jurisdiction<br>of incorporation) | (Commission<br>File Number) | (IRS Employer<br>Identification No.) |
| 388 Greenwich, New York, New York | 388 Greenwich, New York, New York | 10013 |
| (Address of principal executive offices) | (Address of principal executive offices) | (Zip Code) |

---

(212) 559-1000

#### (Registrant's telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) 

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) 

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 formatted in Inline XBRL: [See Exhibit 99.1.](d203358dex991.htm)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

------

CITIGROUP INC.

Current Report on Form 8-K

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:

---

| | |
|:---|:---|
| Exhibit<br>No. | Description |
| 4.1 | [Eighth Supplemental Indenture dated as of January 9, 2026 between Citigroup Inc. and The Bank of New York Mellon, as trustee, to Indenture dated as of March 15, 1987](d203358dex41.htm) |
| 4.2 | [Fifth Supplemental Indenture dated as of January 9, 2026 between Citigroup Inc. and The Bank of New York Mellon, as trustee, to Indenture dated as of October 7, 1996](d203358dex42.htm) |
| 4.3 | [Twelfth Supplemental Indenture dated as of January 9, 2026 between Citigroup Inc. and The Bank of New York Mellon, as trustee, to Indenture dated as of July 23, 2004](d203358dex43.htm) |
| 4.4 | [Third Supplemental Indenture dated as of January 9, 2026 between Citigroup Inc. and The Bank of New York Mellon, as trustee, to Indenture dated as of June 1, 2005](d203358dex44.htm) |
| 4.5 | [Fourth Supplemental Indenture dated as of January 9, 2026 between Citigroup Global Markets Holdings Inc., Citigroup Inc. and The Bank of New York Mellon, as trustee, to Indenture dated as of March 8, 2016](d203358dex45.htm) |
| 99.1 | [Citigroup Inc. securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 as of the filing date](d203358dex991.htm) |
| 104 | The cover page of this Current Report on Form 8-K, formatted in Inline XBRL |

---

------

#### SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| Dated January 12, 2026 | CITIGROUP INC. | CITIGROUP INC. |
|  |  | /s/ Karen Wang |
|  | By: | Karen Wang |
|  |  | Assistant Secretary |

---

------

## Exhibit 4.1

**Exhibit 4.1** 

CITIGROUP INC.

and

THE BANK OF NEW YORK MELLON

EIGHTH SUPPLEMENTAL INDENTURE

Dated as of January 9, 2026

Supplemental to Indenture dated as of March 15, 1987

providing for the issuance of Debt Securities

------

EIGHTH SUPPLEMENTAL INDENTURE dated as of January 9, 2026 (this "<u>Eighth Supplemental Indenture</u>"), between Citigroup Inc., a Delaware corporation (as successor to the issuer) (the "<u>Company</u>"), and The Bank of New York Mellon, a New York banking corporation, not in its individual capacity but solely as trustee (formerly known as The Bank of New York) (the "<u>Trustee</u>") under the Indenture dated as of March 15, 1987 (as supplemented, the "<u>Indenture</u>").

WHEREAS, pursuant to Section 13.01(d) of the Indenture, the Company and the Trustee may enter into a supplemental indenture to cure any ambiguity or to correct or supplement any provision in the Indenture which may be inconsistent with any other provision in the Indenture, or to make any other provisions with respect to matters or questions arising under the Indenture, provided such action shall not adversely affect the interests of the holders of Securities (as defined in the Indenture) of any series in any material respect;

WHEREAS, the Company desires to enter into this Eighth Supplemental Indenture and hereby requests that the Trustee enter into the same;

WHEREAS, the Company has determined that entering into this Eighth Supplemental Indenture will not adversely affect the interests of the current holders of Securities of any series under the Indenture in any material respect;

WHEREAS, all acts and requirements necessary to make this Eighth Supplemental Indenture the legal, valid and binding obligation of the Company have been done;

NOW, THEREFORE, the Company and the Trustee agree as follows:

ARTICLE ONE

Modifications

Section 1.01. Section 5.06 of the Indenture is hereby amended and restated to read as follows:

"The Company will deliver to the Trustee, within 120 days after the end of each fiscal year, a written statement signed by the Chairman of the Board of Directors, the President, any Vice President, the Treasurer or any Assistant Treasurer of the Company, stating that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) a review of the activities of the Company during such year with regard to its compliance with this Indenture has been made under his or her supervision and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) to the best of his or her knowledge, based on such review, the Company has fulfilled all its obligations under this Indenture through-out such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to him and the nature and status thereof."

ARTICLE TWO

Miscellaneous

Section 2.02. Capitalized terms used but not defined in this Eighth Supplemental Indenture shall have the meanings given to such terms in the Indenture.

------

Section 2.03. Except as hereby expressly modified, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect.

Section 2.04. This Eighth Supplemental Indenture may be executed in any number of counterparts, each of which shall be deemed to be an original for all purposes; but such counterparts shall together be deemed to constitute one and the same instrument.

------

IN WITNESS WHEREOF, each of CITIGROUP INC. and THE BANK OF NEW YORK MELLON, as Trustee, has caused this Eighth Supplemental Indenture to be signed by one of its officers thereunto duly authorized as of January 9, 2026.

---

| | |
|:---|:---|
| CITIGROUP INC. | CITIGROUP INC. |
| By: | /s/ Elissa Steinberg |
| Name: | Elissa Steinberg |
| Title: | Assistant Treasurer |
| THE BANK OF NEW YORK MELLON | THE BANK OF NEW YORK MELLON |
| By: | /s/ Stacey B. Poindexter |
| Name: | Stacey B. Poindexter |
| Title: | Vice President |

---

## Exhibit 4.2

**Exhibit 4.2** 

CITIGROUP INC.

and

THE BANK OF NEW YORK MELLON

FIFTH SUPPLEMENTAL INDENTURE

Dated as of January 9, 2026

Supplemental to Indenture dated as of October 7, 1996

providing for the issuance of Subordinated Debentures

------

FIFTH SUPPLEMENTAL INDENTURE dated as of January 9, 2026 (this "<u>Fifth Supplemental Indenture</u>"), between Citigroup Inc., a Delaware corporation (as successor to the issuer) (the "<u>Company</u>"), and The Bank of New York Mellon, a New York banking corporation, not in its individual capacity but solely as trustee (as successor trustee) (the "<u>Trustee</u>") under the Indenture dated as of October 7, 1996 (as previously amended and supplemented from time to time, the "<u>Indenture</u>").

WHEREAS, pursuant to Section 9.1(8) of the Indenture, the Company and the Trustee may enter into a supplemental indenture to cure any ambiguity, to correct or supplement any provision in the Indenture which may be inconsistent with any other provision in the Indenture, or to make any other provisions with respect to matters or questions arising under the Indenture, provided such action shall not adversely affect the interests of the Holders of Securities (each as defined in the Indenture) of any series in any material respect;

WHEREAS, the Company desires to enter into this Fifth Supplemental Indenture and hereby requests that the Trustee enter into the same;

WHEREAS, the Company has determined that entering into this Fifth Supplemental Indenture will not adversely affect the interests of the current Holders of Securities of any series under the Indenture in any material respect;

WHEREAS, all acts and requirements necessary to make this Fifth Supplemental Indenture the legal, valid and binding obligation of the Company have been done;

NOW, THEREFORE, the Company and the Trustee agree as follows:

ARTICLE ONE

Modifications

Section 1.01. Section 1.1 of the Indenture is hereby amended and restated to replace the definition of "Officers' Certificate" with the following:

"Officers' Certificate" means a certificate signed by the Chairman or Vice Chairman of the Board, the President, a Vice President, the Chief Financial Officer, the Chief Accounting Officer, the Treasurer or the Head of Capital Markets of the Company and by a Deputy Treasurer, an Assistant Treasurer, the Secretary or an Assistant Secretary of the Company, and delivered to the Trustee.

Section 10.4 of the Indenture is hereby amended and restated as follows: "The Company will deliver to the Trustee, within 120 days after the end of each fiscal year, a written statement signed by the Chairman of the Board of Directors, the President, any Vice President, the Treasurer or any Assistant Treasurer of the Company, stating that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) a review of the activities of the Company during such year with regard to its compliance with this Indenture has been made under his or her supervision; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) to the best of his or her knowledge, based on such review, the Company has fulfilled all its obligations under this Indenture through-out such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to him or her and the nature and status thereof."

ARTICLE TWO

Miscellaneous

------

Section 2.02. Capitalized terms used but not defined in this Fifth Supplemental Indenture shall have the meanings given to such terms in the Indenture.

Section 2.03. Except as hereby expressly modified, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect.

Section 2.04. This Fifth Supplemental Indenture may be executed in any number of counterparts, each of which shall be deemed to be an original for all purposes; but such counterparts shall together be deemed to constitute one and the same instrument.

------

IN WITNESS WHEREOF, each of CITIGROUP INC. and THE BANK OF NEW YORK MELLON, as Trustee, has caused this Fifth Supplemental Indenture to be signed by one of its officers thereunto duly authorized as of January 9, 2026.

---

| | |
|:---|:---|
| CITIGROUP INC. | CITIGROUP INC. |
| By: | /s/ Elissa Steinberg |
| Name: | Elissa Steinberg |
| Title: | Assistant Treasurer |
| THE BANK OF NEW YORK MELLON | THE BANK OF NEW YORK MELLON |
| By: | /s/ Stacey B. Poindexter |
| Name: | Stacey B. Poindexter |
| Title: | Vice President |

---

## Exhibit 4.3

**Exhibit 4.3** 

CITIGROUP INC.

and

THE BANK OF NEW YORK MELLON

TWELFTH SUPPLEMENTAL INDENTURE

Dated as of January 9, 2026

Supplemental to Indenture dated as of July 23, 2004

providing for the issuance of Junior Subordinated Debt Securities

------

TWELFTH SUPPLEMENTAL INDENTURE dated as of January 9, 2026 (this "<u>Twelfth Supplemental Indenture</u>"), between Citigroup Inc., a Delaware corporation (the "<u>Company</u>"), and The Bank of New York Mellon, a New York banking corporation, not in its individual capacity but solely as trustee (the "<u>Trustee</u>") under the Indenture dated as of July 23, 2004 (as previously amended and supplemented from time to time, the "<u>Indenture</u>").

WHEREAS, pursuant to Section 9.1(8) of the Indenture, the Company and the Trustee may enter into a supplemental indenture to cure any ambiguity, to correct or supplement any provision in the Indenture which may be inconsistent with any other provision in the Indenture, or to make any other provisions with respect to matters or questions arising under the Indenture, provided such action shall not adversely affect the interests of the Holders of Securities (each as defined in the Indenture) of any series in any material respect;

WHEREAS, the Company desires to enter into this Twelfth Supplemental Indenture and hereby requests that the Trustee enter into the same;

WHEREAS, the Company has determined that entering into this Twelfth Supplemental Indenture will not adversely affect the interests of the current Holders of Securities of any series under the Indenture in any material respect;

WHEREAS, all acts and requirements necessary to make this Twelfth Supplemental Indenture the legal, valid and binding obligation of the Company have been done;

NOW, THEREFORE, the Company and the Trustee agree as follows:

ARTICLE ONE

Modifications

Section 1.01. Section 1.1 of the Indenture is hereby amended and restated to replace the following definition:

"Officers' Certificate" means a certificate signed by the Chairman or Vice Chairman of the Board, the President, a Vice President, the Chief Financial Officer, the Chief Accounting Officer, the Treasurer or the Head of Capital Markets and by a Deputy Treasurer, an Assistant Treasurer, the Secretary or an Assistant Secretary, of the Company, and delivered to the Trustee.

Section 10.4 of the Indenture is hereby amended and restated as follows:

"The Company will deliver to the Trustee, within 120 days after the end of each fiscal year, a written statement signed by the Chairman of the Board of Directors, the President, any Vice President, the Treasurer or any Assistant Treasurer of the Company, stating that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) a review of the activities of the Company during such year with regard to its compliance with this Indenture
has been made under his or her supervision and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) to the best of his or her knowledge, based on such review, the Company has fulfilled all its obligations under
this Indenture through-out such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to him and the nature and status thereof."

ARTICLE TWO

Miscellaneous

------

Section 2.02. Capitalized terms used but not defined in this Twelfth Supplemental Indenture shall have the meanings given to such terms in the Indenture.

Section 2.03. Except as hereby expressly modified, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect.

Section 2.04. This Twelfth Supplemental Indenture may be executed in any number of counterparts, each of which shall be deemed to be an original for all purposes; but such counterparts shall together be deemed to constitute one and the same instrument.

------

IN WITNESS WHEREOF, each of CITIGROUP INC. and THE BANK OF NEW YORK MELLON, as Trustee, has caused this Twelfth Supplemental Indenture to be signed by one of its officers thereunto duly authorized as of January 9, 2026.

---

| | |
|:---|:---|
| CITIGROUP INC. | CITIGROUP INC. |
| By: | /s/ Elissa Steinberg |
| Name: | Elissa Steinberg |
| Title: | Assistant Treasurer |
| THE BANK OF NEW YORK MELLON | THE BANK OF NEW YORK MELLON |
| By: | /s/ Stacey B. Poindexter |
| Name: | Stacey B. Poindexter |
| Title: | Vice President |

---

## Exhibit 4.4

**Exhibit 4.4** 

CITIGROUP INC.

and

THE BANK OF NEW YORK MELLON

THIRD SUPPLEMENTAL INDENTURE

Dated as of January 9, 2026

Supplemental to Indenture dated as of June 1, 2005

providing for the issuance of Senior Securities

------

THIRD SUPPLEMENTAL INDENTURE dated as of January 9, 2026 (this "<u>Third Supplemental Indenture</u>"), between Citigroup Inc., a Delaware corporation (as successor to the issuer) (the "<u>Company</u>"), and The Bank of New York Mellon, a New York banking corporation, not in its individual capacity but solely as trustee (as successor trustee) (the "<u>Trustee</u>") under the Indenture dated as of June 1, 2005 (as previously amended and supplemented from time to time, the "<u>Indenture</u>").

WHEREAS, pursuant to Section 14.01(i) of the Indenture, the Company and the Trustee may enter into a supplemental indenture to cure any ambiguity, to correct or supplement any provision in the Indenture which may be inconsistent with any other provision in the Indenture, or to make any other provisions with respect to matters or questions arising under the Indenture, provided such action shall not adversely affect the interests of the Holders of Securities (each as defined in the Indenture) of any series in any material respect;

WHEREAS, the Company desires to enter into this Third Supplemental Indenture and hereby requests that the Trustee enter into the same;

WHEREAS, the Company has determined that entering into this Third Supplemental Indenture will not adversely affect the interests of the current Holders of Securities of any series under the Indenture in any material respect;

WHEREAS, all acts and requirements necessary to make this Third Supplemental Indenture the legal, valid and binding obligation of the Company have been done;

NOW, THEREFORE, the Company and the Trustee agree as follows:

ARTICLE ONE

Modifications

Section 1.01. Section 6.06 of the Indenture is hereby amended and restated to read as follows:

"The Company shall furnish to the Trustee annually, within 120 days after the end of each fiscal year, a brief certificate from the Chairman of the Board of Directors, the President, any Vice President, the Treasurer or any Assistant Treasurer of the Company as to his or her knowledge of the Company's compliance with all conditions and covenants under this Indenture (which compliance shall be determined without regard to any period of grace or requirement of notice provided under this Indenture) and, in the event of any Default, specifying each such Default and the nature and status thereof of which such person may have knowledge. Such certificates need not comply with Section 16.02 of this Indenture,"

ARTICLE TWO

Miscellaneous

Section 2.02. Capitalized terms used but not defined in this Third Supplemental Indenture shall have the meanings given to such terms in the Indenture.

Section 2.03. Except as hereby expressly modified, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect.

------

Section 2.04. This Third Supplemental Indenture may be executed in any number of counterparts, each of which shall be deemed to be an original for all purposes; but such counterparts shall together be deemed to constitute one and the same instrument.

------

IN WITNESS WHEREOF, each of CITIGROUP INC. and THE BANK OF NEW YORK MELLON, as Trustee, has caused this Third Supplemental Indenture to be signed by one of its officers thereunto duly authorized as of January 9, 2026.

---

| | |
|:---|:---|
| CITIGROUP INC. | CITIGROUP INC. |
| By: | /s/ Elissa Steinberg |
| Name: | Elissa Steinberg |
| Title: | Assistant Treasurer |
| THE BANK OF NEW YORK MELLON | THE BANK OF NEW YORK MELLON |
| By: | /s/ Stacey B. Poindexter |
| Name: | Stacey B. Poindexter |
| Title: | Vice President |

---

## Exhibit 4.5

**Exhibit 4.5** 

CITIGROUP GLOBAL MARKETS HOLDINGS INC.,

AS ISSUER

CITIGROUP INC.,

AS GUARANTOR

and

THE BANK OF NEW YORK MELLON

FOURTH SUPPLEMENTAL INDENTURE

Dated as of January 9, 2026

Supplemental to Indenture dated as of March 8, 2016

providing for the issuance of Senior Debt Securities

------

FOURTH SUPPLEMENTAL INDENTURE dated as of January 9, 2026 (this "<u>Fourth Supplemental Indenture</u>"), between Citigroup Global Markets Holdings Inc., a New York corporation (the "<u>Company</u>"), Citigroup Inc., a Delaware corporation (the "<u>Guarantor</u>"), and The Bank of New York Mellon, a New York banking corporation, not in its individual capacity but solely as trustee (the "<u>Trustee</u>") under the Indenture dated as of March 8, 2016 (as previously amended and supplemented from time to time, the "<u>Indenture</u>").

WHEREAS, pursuant to Section 15.01(a)(vi) of the Indenture, the Company, the Guarantor and the Trustee may enter into a supplemental indenture to cure any ambiguity, to correct or supplement any provision in the Indenture which may be inconsistent with any other provision in the Indenture, or to make any other provisions with respect to matters or questions arising under the Indenture, provided such action shall not adversely affect the interests of the Holders of Securities (each as defined in the Indenture) of any series in any material respect;

WHEREAS, the Company and the Guarantor desire to enter into this Fourth Supplemental Indenture and hereby request that the Trustee enter into the same;

WHEREAS, the Company has determined that entering into this Fourth Supplemental Indenture will not adversely affect the interests of the current Holders of Securities of any series under the Indenture in any material respect;

WHEREAS, all acts and requirements necessary to make this Fourth Supplemental Indenture the legal, valid and binding obligation of the Company and the Guarantor have been done;

NOW, THEREFORE, the Company, the Guarantor and the Trustee agree as follows:

ARTICLE ONE

Modifications

Section 1.01. Section 5.06 of the Indenture is hereby amended to remove clause (a) and restated to read as follows:

"Each of the Company and the Guarantor shall furnish to the Trustee annually, within 120 days after the end of each fiscal year of the Company, commencing on May 1, 2016, a certificate from its Chairman of the Board of Directors, President, Chief Financial Officer, Chief Accounting Officer, Controller, Senior Vice President, Vice President, Treasurer or any Assistant Treasurer as to his or her knowledge of compliance by the Company or the Guarantor, as applicable, with all conditions and covenants under this Indenture (which compliance shall be determined without regard to any period of grace or requirement of notice provided under this Indenture) and, in the event of any Default, specifying each such Default known to him or her and the nature and status thereof of which such person may have knowledge. Such certificates need not comply with Section 17.01 of this Indenture."

ARTICLE TWO

Miscellaneous

Section 2.02. Capitalized terms used but not defined in this Fourth Supplemental Indenture shall have the meanings given to such terms in the Indenture.

------

Section 2.03. Except as hereby expressly modified, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect.

Section 2.04. This Fourth Supplemental Indenture may be executed in any number of counterparts, each of which shall be deemed to be an original for all purposes; but such counterparts shall together be deemed to constitute one and the same instrument.

------

IN WITNESS WHEREOF, each of CITIGROUP GLOBAL MARKETS HOLDINGS INC., CITIGROUP INC. and THE BANK OF NEW YORK MELLON, as Trustee, has caused this Fourth Supplemental Indenture to be signed by one of its officers thereunto duly authorized as of January 9, 2026.

---

| | |
|:---|:---|
| CITIGROUP GLOBAL MARKETS HOLDINGS INC., as ISSUER | CITIGROUP GLOBAL MARKETS HOLDINGS INC., as ISSUER |
| By: | /s/ Jason Mercado |
| Name: | Jason Mercado |
| Title: | Treasurer |
| CITIGROUP INC., as GUARANTOR | CITIGROUP INC., as GUARANTOR |
| By: | /s/ Elissa Steinberg |
| Name: | Elissa Steinberg |
| Title: | Assistant Treasurer |
| THE BANK OF NEW YORK MELLON | THE BANK OF NEW YORK MELLON |
| By: | /s/ Stacey B. Poindexter |
| Name: | Stacey B. Poindexter |
| Title: | Vice President |

---

## Exhibit 99.1

?xml version='1.0' encoding='ASCII'? EX-99.1

#### Exhibit 99.1

#### Citigroup Inc. securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

---

| | | | |
|:---|:---|:---|:---|
| Title of each class | Ticker<br>Symbol(s) | Title for iXBRL | Name of each<br>exchange on<br>which<br>registered |
| Common Stock, par value $.01 per share | C | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common Stock, par value $.01 per share | New York Stock Exchange |
| 7.625% Trust Preferred Securities of Citigroup Capital III (and registrant's guaranty with respect thereto) | C/36Y | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.625% TRUPs of Cap III (and registrant's guaranty) | New York Stock Exchange |
| 7.875% Fixed Rate / Floating Rate Trust Preferred Securities (TruPS<sup>®</sup>) of Citigroup Capital XIII (and registrant's guaranty with respect thereto) | C N | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.875% FXD / FRN TruPS of Cap XIII (and registrant's guaranty) | New York Stock Exchange |
| Medium-Term Senior Notes, Series N, Floating Rate Notes Due April 26, 2028 of Citigroup Global Markets Holdings Inc. (CGMHI) (and registrant's guaranty with respect thereto) | C/28 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTN, Series N, Floating Rate Notes Due Apr 26, 2028 of CGMHI (and registrant's guaranty) | New York Stock Exchange |
| Medium-Term Senior Notes, Series N, Floating Rate Notes Due September 17, 2026 of CGMHI (and registrant's guaranty with respect thereto) | C/26 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTN, Series N, Floating Rate Notes Due Sept 2026 of CGMHI (and registrant's guaranty) | New York Stock Exchange |
| Medium-Term Senior Notes, Series N, Floating Rate Notes Due September 15, 2028 of CGMHI (and registrant's guaranty with respect thereto) | C/28A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTN, Series N, Floating Rate Notes Due Sept 2028 of CGMHI (and registrant's guaranty) | New York Stock Exchange |
| Medium-Term Senior Notes, Series N, Floating Rate Notes Due October 6, 2028 of CGMHI (and registrant's guaranty with respect thereto) | C/28B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTN, Series N, Floating Rate Notes Due Oct 2028 of CGMHI (and registrant's guaranty) | New York Stock Exchange |
| Medium-Term Senior Notes, Series N, Floating Rate Notes Due March 21, 2029 of CGMHI (and registrant's guaranty with respect thereto) | C/29A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTN, Series N, Floating Rate Notes Due Mar 2029 of CGMHI (and registrant's guaranty) | New York Stock Exchange |

---