OWNERSHIP PRESERVATION Helping Strengthen Financial Foundations

2 OFFICE OF HOMEOWNERSHIP PRESERVATION The Citi Office of Homeownership Preservation is the result of business and Community Relations partnering to find solutions to preserve homeownership in communities where we live and work Citi Trust Bank Citi Home Equity Citi Financial Citi Mortgage THE COMPLETE Citi

3 OFFICE OF HOMEOWNERSHIP PRESERVATION 3 Citi’s OFFICE of HOMEOWNERSHIP PRESERVATION Founded in 2007, the Citi Office of Homeownership Preservation coordinates and leverages multiple efforts to help borrowers stay in their homes whenever possible. We work diligently with borrowers who want to stay in their homes, who remain in contact with us, and who have reasonable levels of income, to find ways to keep them in their homes. Our success is due largely, and depends on how well we work with authorized third-parties, counselors, such as yourselves

4 OFFICE OF HOMEOWNERSHIP PRESERVATION 4 Citi’s OFFICE of HOMEOWNERSHIP PRESERVATION Focuses on counselors and other third parties representing Citi borrowers Works with Citi borrowers at risk Facilitates affordable, sustainable solutions oMaking Home Affordable – part of the Obama Administration’s Financial stability plan oIndustry-leading, innovative solutions (Citi Unemployment Assistance Program) oAssistance for non delinquent borrowers Serves as a gateway / liaison oOHP staff is first point of entry for counselors oOversee the transactions referred from start to finish oSolve problems Facilitates the expansion and adoption of best business practices Enhances the outreach and education to Citi borrowers at risk through direct borrowers outreach events with partners and other industry stake holders Provides and/or supports capacity-building training to partners to improve program efficacy in communities Provides financial support through contributions and grants when possible

5 OFFICE OF HOMEOWNERSHIP PRESERVATION 5 Citi’s OFFICE of HOMEOWNERSHIP PRESERVATION Aggressive outreach to borrowers in distress Direct outreach Citi initiatives Pre-Delinquent borrowers (Citi Homeowner Assistance Program) Delinquent borrowers Borrowers experiencing unemployment (Citi Unemployment Assist Program) Non-delinquent borrowers Partnerships with non-profits and other industry stakeholders Business practices Adopt, expand, standardize and review Amplify and share success Continue to monitor and track our performance* as it relates to Operations Processing Underwriting For the latest data, visit the U.S. Mortgage Lending and Foreclosure Prevention Report found at: &RootFolder=%2Fsites%2Fglobalcr%2Fcomm%2FLists%2Fann or visit Community Relations: (go to Community Relations to US Mortgage lending and Foreclosure Prevention Report) &RootFolder=%2Fsites%2Fglobalcr%2Fcomm%2FLists%2Fann Goals

6 OFFICE OF HOMEOWNERSHIP PRESERVATION 6 Citi’s PARTNERSHIPS WITH NONPROFITS Neighbor Works America ACORN Neighborhood Assistance Corporation of America (NACA) National Council of La Raza (NCLR) Consumer Counseling Resource Center (CCRC) National Training & Information Center (NTIC) National Foundation for Credit Counseling (NFCC) HOPE Now Alliance Ad Council HPF – HOPE

7 OFFICE OF HOMEOWNERSHIP PRESERVATION 7 OHP RESOURCES One number for counselors to call: , or Website: servation/index.htmwww.mortgagehelp.citi.com Seasoned case specialists Access and escalation to management Best business practices and initiatives OHP Activities Counselors’ Event Borrowers’ Event Consumer curriculum;

8 OFFICE OF HOMEOWNERSHIP PRESERVATION Presentation for Consumers at Risk of Foreclosure Available for community partners to use* Able to be co-branded Handouts for take-aways Better prepared for one-on-one counseling * Downloadable at: Click on “Educational Resources” CONSUMER PRESENTATION

9 OFFICE OF HOMEOWNERSHIP PRESERVATION 9 CONSUMER PRESENTATION

10 OFFICE OF HOMEOWNERSHIP PRESERVATION IMPORTANT CONTACT INFORMATION Citi Toll-Free Assistance: Office of Homeownership Preservation:

11 OFFICE OF HOMEOWNERSHIP PRESERVATION Questions?