🟢 New in Current Filing Citi Is Subject to Extensive Legal and Regulatory Proceedings, Examinations, Investigations, Consent Orders and Related Compliance Efforts and Other Inquiries That Could Result in Large Monetary Penalties, Supervisory or Enforcement Orders, Business Restrictions, Limitations on 🔒

🟢 New in Current Filing Introduction 🔒

🟢 New in Current Filing Operational Footprint Goals 🔒

🟢 New in Current Filing All Other, including Legacy Franchises, Operations and Technology, and Global Staff Functions 🔒

🟢 New in Current Filing All Other(1) 🔒

🟢 New in Current Filing Portfolio Mix—Industry 🔒

🟢 New in Current Filing Other industries(6) 🔒

🟢 New in Current Filing CONSUMER CREDIT 🔒

🟢 New in Current Filing Consumer Credit Portfolio 🔒

🟢 New in Current Filing Wealth(3)(4) 🔒

🟢 New in Current Filing All Other—Legacy Franchises (managed basis)(3) 🔒

🟢 New in Current Filing Loan Maturities 🔒

🟢 New in Current Filing Corporate loans, net of unearned income, excluding portfolio layer cumulative basis adjustments(4) 🔒

🟢 New in Current Filing Long-Term Liquidity Measurement: Net Stable Funding Ratio (NSFR) 🔒

🟢 New in Current Filing Select Balance Sheet Items 🔒

🟢 New in Current Filing Cash and Investments 🔒

🔴 No Match in Current Filing Citi’s Emerging Markets Presence Subjects It to Various Risks as well as Increased Compliance and Regulatory Risks and Costs. 🔒

🔴 No Match in Current Filing The Transition Away from and Discontinuance of LIBOR or Any Other Interest Rate Benchmark Could Have Adverse Consequences for Citi. 🔒

🔴 No Match in Current Filing Financial Inclusion and Racial Equity 🔒

🔴 No Match in Current Filing Unspecified(3) 🔒

🔴 No Match in Current Filing Diversity, Equity and Inclusion 🔒

🔴 No Match in Current Filing Representation Goals 🔒

🔴 No Match in Current Filing Portfolio Mix—Industry 🔒

🔴 No Match in Current Filing CONSUMER CREDIT 🔒

🔴 No Match in Current Filing Consumer Credit Portfolio 🔒

🔴 No Match in Current Filing Personal Banking and Wealth Management 🔒

🔴 No Match in Current Filing Legacy Franchises 🔒

🔴 No Match in Current Filing Asia(1) Consumer 🔒

🔴 No Match in Current Filing Personal Banking and Wealth Management(2) 🔒

🔴 No Match in Current Filing Loan Maturities 🔒

🔴 No Match in Current Filing Gross recoveries on loans(2) 🔒

🔴 No Match in Current Filing Non-Accrual Loans and Assets and Renegotiated Loans 🔒

🔴 No Match in Current Filing Non-Accrual Loans and Assets: 🔒

🔴 No Match in Current Filing Renegotiated Loans 🔒

🔴 No Match in Current Filing Corporate renegotiated loans(1) 🔒

🔴 No Match in Current Filing Consumer renegotiated loans(3) 🔒

🔴 No Match in Current Filing Long-Term Debt Outstanding 🔒

🔴 No Match in Current Filing Non-bank(1) 🔒

🟡 Modified Third Line of Defense: Internal Audit 🔒

🟡 Modified Resolution Plan 🔒

🟡 Modified Credit Risk and Concentrations of Risk Can Increase the Potential for Citi to Incur Significant Losses. 🔒

🟡 Modified ACLL by type at end of year(13) 🔒

🟡 Modified If Citi’s Risk Management and Other Processes, Strategies or Models Are Deficient or Ineffective, Citi May Incur Significant Losses and Its Regulatory Capital and Capital Ratios Could Be Negatively Impacted. 🔒

🟡 Modified Short-Term Borrowings 🔒

🟡 Modified Credit Risk Mitigation 🔒

🟡 Modified Wealth classifiably managed loans(6) 🔒

🟡 Modified A Ratings Downgrade Could Adversely Impact Citi’s Funding and Liquidity. 🔒

🟡 Modified Portfolio Mix—Geography and Counterparty 🔒

🟡 Modified Citi’s Interpretation or Application of the Complex Tax Laws to Which It Is Subject Could Differ from Those of Governmental Authorities, Which Could Result in Litigation or Examinations and the Payment of Additional Taxes, Penalties or Interest. 🔒

🟡 Modified Board and Executive Management Committees 🔒

🟡 Modified Changes or Errors in Accounting Assumptions, Judgments or Estimates, or the Application of Certain Accounting Principles, Could Result in Significant Losses or Other Adverse Impacts. 🔒

🟡 Modified Modified Loans to Borrowers Experiencing Financial Difficulty 🔒

🟡 Modified Dividends, Changes to Directors and/or Officers and Collateral Consequences Arising from Such Outcomes. 🔒

🟡 Modified Citi’s Ability to Return Capital to Common Shareholders Substantially Depends on Regulatory Capital Requirements, Including the Results of the CCAR Process and Dodd-Frank Act Regulatory Stress Tests, and Other Factors. 🔒

🟡 Modified Corporate Credit Portfolio 🔒

🟡 Modified Total Loss-Absorbing Capacity (TLAC) 🔒

🟡 Modified Driving a Culture of Excellence and Accountability 🔒

🟡 Modified Citi Faces Increased Competitive Challenges, Including from Financial Services and Other Companies and Emerging Technologies. 🔒

🟡 Modified Interest rate exposure(1)(2) 🔒

🟡 Modified High-Quality Liquid Assets (HQLA) 🔒

🟡 Modified Non-bank(1) 🔒

🟡 Modified Citi’s Ability to Achieve Its Objectives from Its Transformation, Organizational, Simplification and Other Strategic and Other Initiatives May Not Be as Successful as It Projects or Expects. 🔒

🟡 Modified Interest Rate Risk of Investment Portfolios—Impact 🔒

🟡 Modified A Failure or Disruption of Citi’s Operational Processes or Systems Could Negatively Impact Its Reputation, Customers, Clients, Businesses or Results of Operations and Financial Condition. 🔒

🟡 Modified Significantly Heightened Regulatory Expectations and Scrutiny in the U.S. and Globally and Ongoing Interpretation and Implementation of Regulatory and Legislative Requirements and Changes Have Increased Citi’s Compliance, Regulatory and Other Risks and Costs. 🔒

🟡 Modified % of EOP loans(1) 🔒

🟡 Modified ACLL for corporate loan losses as a percentage of total corporate loans—net of unearned income(5) 🔒

🟡 Modified Long-Term Debt 🔒

🟡 Modified Workforce Development 🔒

🟡 Modified Details of Credit Loss Experience 🔒

🟡 Modified Citi Must Continually Review, Analyze and Successfully Adapt to Ongoing Regulatory and Legislative Uncertainties and Changes in the U.S. and Globally. 🔒

🟡 Modified The Application of U.S. Resolution Plan Requirements May Pose a Greater Risk of Loss to Citi’s Debt and Equity Securities Holders, and Citi’s Inability in Its Resolution Plan Submissions to Address Any Shortcomings or Deficiencies or Guidance Could Subject Citi to More Stringent Capital, Leverage or Liquidity Requirements, or Restrictions on Its Growth, Activities or Operations, and Could Eventually Require Citi to Divest Assets or Operations. 🔒

🟡 Modified Retail Banking 🔒

🟡 Modified Citi’s and Third Parties’ Computer Systems and Networks Will Continue to Be Susceptible to an Increasing Risk of Continually Evolving, Sophisticated Cybersecurity Incidents That Could Result in the Theft, Loss, Non-Availability, Misuse or Disclosure of Confidential Client or Customer Information, Damage to Citi’s Reputation, Additional Costs to Citi, Regulatory Penalties, Legal Exposure and Financial Losses. 🔒

🟡 Modified Executive Management Team 🔒

🟡 Modified Non-Accrual Loans and Assets 🔒

🟡 Modified Loans Outstanding 🔒

🟡 Modified Changes to Financial Accounting and Reporting Standards or Interpretations Could Have a Material Impact on How Citi Records and Reports Its Financial Condition and Results of Operations. 🔒

🟡 Modified Funded exposure(1) 🔒

🟡 Modified 2023 vs. 2022 🔒

🟡 Modified Loans at fair value(1) 🔒

🟡 Modified Non-Markets Net Interest Income 🔒

🟡 Modified Workforce Size and Distribution 🔒

🟡 Modified Secured Funding Transactions 🔒

🟡 Modified Additional Information 🔒

🟡 Modified Diversity, Equity and Inclusion 🔒

🟡 Modified A Deterioration in or Failure to Maintain Citi’s Co-Branding or Private Label Credit Card Relationships Could Have a Negative Impact on Citi. 🔒

🟡 Modified Non-Accrual Loans 🔒

🟡 Modified Allowance for Credit Losses on Loans (ACLL) 🔒

🟡 Modified Citi’s Performance and Its Ability to Effectively Execute Its Transformation and Strategic and Other Initiatives Could Be Negatively Impacted if It Is Not Able to Hire and Retain Qualified Employees. 🔒

🟡 Modified FICO distribution(1) 🔒

🟡 Modified Climate Change Presents Various Financial and Non-Financial Risks to Citi and Its Customers and Clients. 🔒

🟡 Modified Exposure to Commercial Real Estate 🔒

🟡 Modified ESG and Climate-Related Governance 🔒

🟡 Modified Net Zero Emissions by 2050 🔒

🟡 Modified Citi’s Ability to Utilize Its DTAs, and Thus Reduce the Negative Impact of the DTAs on Citi’s Regulatory Capital, Will Be Driven by Its Ability to Generate U.S. Taxable Income. 🔒

🟡 Modified Taxable Equivalent Basis 🔒

🟡 Modified Well-being and Benefits 🔒

🟡 Modified Total fixed/variable pricing of corporate loans with maturities due after one year, net of unearned income(3)(4) 🔒

🟡 Modified CREDIT RISK 🔒

🟡 Modified Markets and Banking 🔒

🟡 Modified Mexico Consumer 🔒

🟡 Modified Interest Income/Expense and Net Interest Margin (NIM) 🔒

🟡 Modified HUMAN CAPITAL RESOURCES AND MANAGEMENT 🔒

🟡 Modified Citi’s Emerging Markets Presence Subjects It to Various Risks as well as Increased Compliance and Regulatory Risks and Costs. 🔒

🟡 Modified Branded Cards 🔒

🟡 Modified All Other—Legacy Franchises 🔒

🟡 Modified Retail Services 🔒

🟡 Modified U.S. Personal Banking 🔒

🟡 Modified Consumer Loan Delinquencies Amounts and Ratios 🔒

🟡 Modified Short-Term Liquidity Measurement: Liquidity Coverage Ratio (LCR) 🔒

🟡 Modified Rating of Hedged Exposure 🔒

🟡 Modified Branded Cards 🔒

🟡 Modified Loan Maturities and Fixed/Variable Pricing of Corporate Loans 🔒

🟡 Modified Consumer non-accrual loans(1) 🔒

🟡 Modified Managing Global Risk Table of Contents 🔒

🟡 Modified Sustainable Finance 🔒

🟡 Modified Retail Services 🔒

🟡 Modified Consumer Loan Net Credit Losses and Ratios 🔒

🟡 Modified Fixed/Variable Pricing 🔒