Revised 5/3/06

2 Communications Timeline 1QO7 Town Hall 2007 MayJunAprJulAugSepOctNovDecJanFeb Mar2008 March Newsletter 3QO7 Town Hall 4QO7 Town Hall/Holiday Party April Newsletter 2QO7 Town Hall June Newsletter July Newsletter Sept Newsletter Aug Newsletter May Newsletter Oct Newsletter Dec Newsletter Nov Newsletter Jan Newsletter Feb Newsletter Sawgrass Operations 101 Brown Bags Sawgrass Operations 101 Brown Bags IT Brown Bag 1: Sawgrass 101 (Jax Only) IT Brown Bag 2: Technology (Jax, SF, Irving) IT Brown Bag 3: Sawgrass for Sales (Jax, SF, Irving, EGV) IT Brown Bag 4: BAU Sync (Jax, SF, Irving, EGV) IT Brown Bag 5: Program Mgmt. (Jax, SF, Irving, EGV) February Newsletter IT Brown Bag 6: CDM (Jax, SF, Irving, EGV) IT Brown Bag Future: STORM IT Brown Bag Future: SDLC GEN 0 Prod Oct. 19 CRP2 June 11 FUTURE: IT Brown Bag Future: MGPP IT Brown Bag Future: Collections C=Completed C C C C CC C

Audience: Citi Cards Employees Communications Plan MessagesStrategyTacticsTiming Improved Customer Experience: creates one seamless interface to Citi Cards. Position Sawgrass as transforming our customer service relationship from an account-centric view to a customer centric view. IT Cards Intranet Individual s All-Hands Meetings –IT All-Hands Meeting –NAIT All-Hands Meeting –NAIT Managers’ Meeting –Cards All Hands Meeting Sharepoint Portal Posters to All Citi Cards Exempt: “CEP Signed...” 4/24/06: Paul presentation at Evans IT All-Hands Meeting More efficient use of Technology: reduced testing and redundancy; lower operating costs Position Sawgrass as the template for technology change and growth. Brown Bag Lunches Summer Speaker Series (in LIC – post deck on web) 3Q06 Greater stakeholder role for Employee: elevation of the CS role as a stakeholder in creating value for the customer. Convince CS employees/ associates of their increased relevance to Citigroup’s achieving organic growth. Keep team members abreast of all HR-related developments across the program. HR Communications (Bob Dorr) –Management Q&A CCN: updates, photos, Sr. Mgmt. quotes, 2Q06 4/20/06: Paul to 100 Permanent Sawgrass transfers Organic Company Growth: Higher customer retention and increased customer wallet share Position Sawgrass as the catalyst for the two prime factors in achieving organic growth: customer retention and increased wallet share. IT Cards Intranet Individual updates All-Hands Meetings –IT All-Hands Meeting –NAIT All-Hands Meeting –NAIT Managers’ Meeting –Cards All Hands Meeting Sharepoint Portal Posters 2Q06 –May/June 3Q06 Completed Overview & Activities to Date by Key Message

Audience: Citi Cards Employees Communications Plan MessagesVehiclesTacticsTiming Improved Customer Experience: Strategy: –Position Sawgrass as transforming our customer service relationship from an account-centric view to a customer centric view. More efficient use of Technology: Strategy: –Position Sawgrass as the template for technology change and growth. Greater stakeholder role for Employee: Strategy: –Convince CS employees/ associates of their increased relevance to Citigroup’s achieving organic growth. –Keep team members abreast of all HR- related developments across the program. Organic Company Growth: Strategy: –Position Sawgrass as the catalyst for the two prime factors in achieving organic growth: customer retention and increased wallet share. IT Cards Intranet Individual s All-Hands Meetings –IT All-Hands Meeting –NAIT All-Hands Meeting –NAIT Managers’ Meeting –Cards All Hands Meeting Sharepoint Portal Posters Brown Bag Lunches Summer Speaker Series (in LIC – post deck on web) HR Communications (Bob Dorr) CCN: –Updates/factoids –Photos –Sr. Mgmt. quotes 4/20/06: Paul to 100 Permanent Sawgrass transfers 4/24/06: Paul presentation at Evans IT All-Hands Meeting to All Citi Cards Exempt: “CEP Signed...” Add Sawgrass to “Department” list – IT Cards Web Post CEP Signed article as Weekly Feature on IT Intranet Sawgrass Standard Powerpoint available Management Q&A 2Q April May June Brown Bag Luncheon Ideas: –S/W Development Life Cycle – Puneet Rawal –CTO / New Architecture – Craig Hansen Milestone Articles/Updates –Requirements gathered for Generation 0 –Conference Room Pilot #1 –Deployment Schedule / Plan –Conference Room Pilot #2 –Final Plan / Training –Generation 0 in Production at Site #1 3Q July August September 4Q October November December Completed Detail, Timing

Two Phases Phase One is “Milestone-Driven” Extends from CEP Signing Plus Eight months Audience: All Citi Cards Exempt Key Deliverables: “CEP Signed” from Matt and Al Management Q&A (Talking Points for HR/Bob Dorr) Standard Presentation Milestone Communications: CEP Signed ( mentioned above) Requirements gathered for Generation 0 Conference Room Pilot #1 Deployment Schedule / Plan Conference Room Pilot #2 Final Plan / Training Generation 0 in Production at Site #1 Phase Two is “Milestone and Audience Driven” Begins when Generation 0 goes into Production (Gen 1 Development begins) Non-exempt groups added per each Generation’s development period 1.Apr 06 2.May 3.Jun 4.Jul 5.Aug 6.Sep 7.Oct 8.Nov 9.Dec 10.Jan Feb 12.Mar 13.Apr 14.May 15.Jun 16.Jul 17.Aug 18.Sep 19.Oct 20.Nov 21.Dec 22.Jan Feb 24.Mar 25.Apr 26.May Gen 0 Dev. 8 months Gen 1 Dev. 6 months Gen 2 Dev. 6 months Gen 3 Dev. 3 months Gen 4 Dev. 3 months