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                                                                    EXHIBIT 10.1

             SUMMARY OF CONSULTING ARRANGEMENT WITH MICHAEL L. GLEIM

     On November 28, 2005, the Human Resources and Compensation Committee of the
Board of Directors of The Bon-Ton Stores, Inc. (the "Company") approved an
arrangement pursuant to which Michael L. Gleim, a member of the Board of
Directors, will continue to serve as a consultant to the Board of Directors and
senior management of the Company and as chair of the Company's retirement plan
committee in consideration of an annual fee of $75,000, payable in monthly
installments. The term of this consulting arrangement is January 1, 2006 through
December 31, 2006.

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THIS NOTE IS A GLOBAL NOTE WITHIN THE MEANING OF THE INDENTURE HEREINAFTER
REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF.
UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR NOTES IN CERTIFICATED
FORM, THIS NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITORY TRUST
COMPANY, A NEW YORK CORPORATION ("DTC"), TO A NOMINEE OF DTC OR BY DTC OR ANY
SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR
DEPOSITARY. UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF DTC
TO CITIGROUP FUNDING INC. OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR
PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH
OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT
IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

No. R-1                                           INITIAL PRINCIPAL AMOUNT
CUSIP: 17308C 75 9.                               REPRESENTED $22,600,000
ISIN: US17308C7598                                representing 2,260,000 Notes
                                                  ($10 per Note)

                             CITIGROUP FUNDING INC.
     2,260,000 1.75% Principal-Protected Equity Linked Notes Based Upon the
                          Nikkei 225 Stock Average(SM)
        with Potential Supplemental Interest at Maturity Due May 29, 2009

      Citigroup Funding Inc., a Delaware corporation (hereinafter referred to as
the "Company," which term includes any successor corporation under the Indenture
herein referred to), for value received and on condition that this Note is not
redeemed by the Company prior to May 29, 2009 (the "Stated Maturity Date"),
hereby promises to pay to CEDE & CO., or its registered assigns, the Maturity
Payment (as defined below), on the Stated Maturity Date. This Note will not bear
any interest, is not subject to any sinking fund, is not subject to redemption
at the option of the Holder thereof prior to the Stated Maturity Date and is not
subject to the defeasance provisions of the Indenture. The payments on this Note
are fully and unconditionally guaranteed by Citigroup Inc., a Delaware
corporation (the "Guarantor").

      Payment of the Maturity Payment with respect to this Note shall be made
upon presentation and surrender of this Note at the corporate trust office of
the Trustee in the Borough of Manhattan, The City and State of New York, in such
coin or currency of the United States as at the time of payment is legal tender
for payment of public and private debts.

      This Note is one of the series of 2,260,000 1.75% Principal-Protected
Equity Linked Notes Based Upon the Nikkei 225 Stock Average(SM) (the "Index")
with Potential Supplemental Interest at Maturity Due 2009 (the "Notes").
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INTEREST

      The Notes bear interest at the rate of 1.75% per annum. Interest will be
paid in cash semi-annually on the 29th day of each May and November, commencing
on May 29, 2006 (each such date, an "Interest Payment Date").

      Interest will be payable to the persons in whose names the Notes are
registered at the close of business on the fifth Business Day preceding each
Interest Payment Date. Interest will be computed on the basis of a 360-day year
of twelve 30-day months. If an Interest Payment Date falls on a day that is not
a Business Day, the interest payment to be made on such Interest Payment Date
will be made on the next succeeding Business Day with the same force and effect
as if made on such Interest Payment Date, and no additional interest will accrue
as a result of such delayed payment.

      "Business Day" means any day that is not a Saturday, a Sunday or a day on
which securities exchanges or banking institutions or trust companies in the
City of New York are authorized or obligated by law or executive order to close.

PAYMENT AT MATURITY

      The Notes will mature on May 29, 2009. On the Stated Maturity Date,
Holders of the Notes will receive for each Note the Maturity Payment described
below.

DETERMINATION OF THE MATURITY PAYMENT

      The Maturity Payment for each Note equals the sum of the initial principal
amount of $10 per Note plus the Interest Distribution Amount.

      The "Interest Distribution Amount" is calculated as follows:

      -     If the Index Return is less than or equal to the Interest Received
            Percentage (as defined below), the Interest Distribution Amount will
            equal zero.

      -     If the Index Return is greater than the Interest Received
            Percentage, the Interest Distribution Amount will equal the product
            of:

                  $10 * (Index Return - Interest Received Percentage)

      The "Index Return" will equal the following fraction:

                      Average Ending Value - Starting Value
                                 Starting Value

      The "Interest Received Percentage" is 6.120%, the sum of the interest
payable on the Notes over their term, expressed as a percentage of the principal
amount of the Notes.

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      The "Average Ending Value" will equal the arithmetic average of all
monthly Ending Values.

      The "Ending Value" for each Valuation Date will be the closing value of
the Index on such Valuation Date or, if that day is not an Index Business Day,
the closing value on the immediately following Index Business Day.

      The "Starting Value" is 14742.58, the closing value of the Index on
November 25, 2005.

      "Valuation Dates" occur on the 24th day of each month, commencing December
26, 2005 and ending on May 25, 2009.

      If no closing value of the Index is available on any Index Business Day
because of a Market Disruption Event or otherwise, the value of the Index for
that Index Business Day, unless deferred by the calculation agent as described
below, will be the arithmetic mean, as determined by the calculation agent, of
the value of the Index obtained from as many dealers in equity securities (which
may include Citigroup Global Markets Inc. or any of the Company's other
affiliates), but not exceeding three such dealers, as will make such value
available to the calculation agent. The determination of the value of the Index
by the calculation agent in the event of a Market Disruption Event may be
deferred by the calculation agent for up to five consecutive Index Business Days
on which a Market Disruption Event is occurring, but not past the Index Business
Day prior to the Stated Maturity Date.

      An "Index Business Day" means a day, as determined by the calculation
agent, on which the Index or any successor index is calculated and published and
on which securities comprising more than 80% of the value of the Index on such
day are capable of being traded on their relevant exchanges or markets during
the one-half hour before the determination of the closing value of the Index.
All determinations made by the calculation agent will be at the sole discretion
of the calculation agent and will be conclusive for all purposes and binding on
the Company and the beneficial owners of the Notes, absent manifest error.

      A "Market Disruption Event" means, as determined by the calculation agent
in its sole discretion, the occurrence or existence of any suspension of or
limitation imposed on trading (by reason of movements in price exceeding limits
permitted by any relevant exchange or market or otherwise) of, or the
unavailability, through a recognized system of public dissemination of
transaction information, for a period longer than two hours, or during the
one-half hour period preceding the close of trading, on the applicable exchange
or market, of accurate price, volume or related information in respect of (a)
stocks which then comprise 20% or more of the value of the Index or any
successor index, (b) any options or futures contracts, or any options on such
futures contracts relating to the Index or any successor index, or (c) any
options or futures contracts relating to stocks which then comprise 20% or more
of the value of the Index or any successor index on any exchange or market if,
in each case, in the determination of the calculation agent, any such
suspension, limitation or unavailability is material. For the purpose of
determining whether a Market Disruption Event exists at any time, if trading in
a security included in the Index is materially suspended or materially limited
at that time, then the relevant percentage contribution of that security to the
value of the Index will be based on a comparison of the portion of the value of

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the Index attributable to that security relative to the overall value of the
Index, in each case immediately before that suspension or limitation.

DISCONTINUANCE OF THE NIKKEI 225 STOCK AVERAGE

      If Nihon Keizai Shimbun, Inc. ("NKS") discontinues publication of the
Index or if it or another entity publishes a successor or substitute index that
the calculation agent determines, in its sole discretion, to be comparable to
the Index, then the Ending Value of any succeeding Valuation Date will be
determined by reference to the value of that index, which is referred to as a
"successor index."

      Upon any selection by the calculation agent of a successor index, the
calculation agent will cause notice to be furnished to the Company and the
Trustee, who will provide notice of the selection of the successor index to the
registered Holders of the Notes.

      If NKS discontinues publication of the Index and a successor index is not
selected by the calculation agent or is no longer published on any Valuation
Date, the value to be substituted for the Index for that Valuation Date will be
a value computed by the calculation agent for that Valuation Date in accordance
with the procedures last used to calculate the Index prior to any such
discontinuance.

      If NKS discontinues publication of the Index prior to the determination of
the Interest Distribution Amount and the calculation agent determines that no
successor index is available at that time, then on each Index Business Day until
the earlier to occur of (a) the determination of the Interest Distribution
Amount and (b) a determination by the calculation agent that a successor index
is available, the calculation agent will determine the value that is to be used
in computing the Interest Distribution Amount as described in the preceding
paragraph as if such day were a Valuation Date. The calculation agent will cause
notice of each such value to be published not less often than once each month in
The Wall Street Journal (or another newspaper of general circulation).
Notwithstanding these alternative arrangements, discontinuance of the
publication of the Index may adversely affect trading of the Notes.

      If a successor index is selected or the calculation agent calculates a
value as a substitute for the Index as described above, the successor index or
value will be substituted for the Index for all purposes, including for purposes
of determining whether an Index Business Day or Market Disruption Event occurs.
Notwithstanding these alternative arrangements, discontinuance of the
publication of the Index may adversely affect trading of the Notes.

      All determinations made by the calculation agent will be at the sole
discretion of the calculation agent and will be conclusive for all purposes and
binding on the Company, the Guarantor and the beneficial owners of the Notes,
absent manifest error.

ALTERATION OF METHOD OF CALCULATION

      If at any time the method of calculating the Index or any successor index
is changed in any material respect, or if the Index or any successor index is in
any other way modified so that the value of the Index or the successor index
does not, in the opinion of the calculation agent, fairly

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represent the value of that index had the changes or modifications not been
made, then, from and after that time, the calculation agent will, at the close
of business in New York, New York, make those adjustments as, in the good faith
judgment of the calculation agent, may be necessary in order to arrive at a
calculation of a value of a stock index comparable to the Index or the successor
index as if the changes or modifications had not been made, and calculate the
value of the index with reference to the Index or the successor index.
Accordingly, if the method of calculating the Index or the successor index is
modified so that the value of the Index or the successor index is a fraction or
a multiple of what it would have been if it had not been modified (e.g., due to
a split in the Index), then the calculation agent will adjust that index in
order to arrive at a value of the index as if it had not been modified (e.g., as
if the split had not occurred).

GENERAL

      This Note is one of a duly authorized issue of debt securities of the
Company (the "Debt Securities"), issued and to be issued in one or more series
under a Senior Debt Indenture, dated as of June 1, 2005 (the "Indenture"), among
the Company, the Guarantor, and The Bank of New York, as trustee (the "Trustee,"
which term includes any successor trustee under the Indenture), to which
Indenture reference is hereby made for a statement of the respective rights,
limitations of rights, duties and immunities thereunder of the Company, the
Guarantor, the Trustee and the Holders of the Notes, and the terms upon which
the Notes are, and are to be, authenticated and delivered.

      If an Event of Default with respect to the Notes shall have occurred and
be continuing, the principal of the Notes may be declared due and payable in the
manner and with the effect provided in the Indenture. In such case, the amount
declared due and payable upon any acceleration permitted by the Indenture will
be determined by the calculation agent and will be equal to, with respect to
this Note, the Maturity Payment, calculated as though the Stated Maturity Date
of this Note were the date of early repayment, plus an additional amount of
interest accrued on the principal amount of the Notes at 1.75% per annum up to
the date of the commencement of the proceeding.

      In case of default in payment at Maturity of the Notes, this Note shall
bear interest, payable upon demand of the beneficial owners of this Note in
accordance with the terms of the Notes, from and after Maturity through the date
when payment of the unpaid amount has been made or duly provided for, at the
rate of 5.375% per annum on the unpaid amount due.

      The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Company, the Guarantor and the rights of the Holders of the Debt Securities of
each series to be affected under the Indenture at any time by the Company, the
Guarantor and a majority in aggregate principal amount of the Debt Securities at
the time Outstanding of each series affected thereby. The Indenture also
contains provisions permitting the Holders of specified percentages in aggregate
principal amount of the Debt Securities of any series at the time Outstanding,
on behalf of the Holders of all Debt Securities of such series, to waive
compliance by the Company and the Guarantor with certain provisions of the
Indenture and certain past defaults under the Indenture and their consequences.
Any such consent or waiver by the Holder of this Note shall be conclusive and
binding upon such Holder and upon

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all future Holders of this Note and of any Note issued upon the registration of
transfer hereof or in exchange herefor or in lieu hereof, whether or not
notation of such consent or waiver is made upon this Note.

      The Holder of this Note may not enforce such Holder's rights pursuant to
the Indenture or the Notes except as provided in the Indenture. No reference
herein to the Indenture and no provision of this Note or of the Indenture shall
alter or impair the obligation of the Company and the Guarantor to pay the
Maturity Payment with respect to this Note, and to pay any interest on any
overdue amount thereof at the time, place and rate, and in the coin or currency,
herein prescribed.

      All terms used in this Note which are defined in the Indenture but not in
this Note shall have the meanings assigned to them in the Indenture.

      Unless the certificate of authentication hereon has been executed by the
Trustee by manual signature, this Note shall not be entitled to any benefit
under the Indenture or be valid or obligatory for any purposes.

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      IN WITNESS WHEREOF, the Company has caused this instrument to be duly
executed under its corporate seal.

                                              CITIGROUP FUNDING INC.

                                              By:/s/ Geoffrey S. Richards
                                                 -------------------------
                                                 Name: Geoffrey S. Richards
                                                 Title: Vice President and
                                                        Assistant Treasurer

Corporate Seal
Attest:

By:/s/ Douglas C. Turnbull
   ------------------------------
   Name: Douglas C. Turnbull
   Title: Assistant Secretary

Dated:   November 30, 2005

CERTIFICATE OF AUTHENTICATION
      This is one of the Notes referred to in the
      within-mentioned Indenture.

The Bank of New York,
as Trustee

By:/s/ Geovanni Barris
   ------------------------------
   Authorized Signatory

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