1. 0 Financial Fitness: What Every Woman Should Know By Linda Descano, CFA Chief Operating Officer Women and Company

2. 1 Disclosure Statement Women and Company is not registered as a broker-dealer nor as an investment advisor. Brokerage services and/or investment advice are available to Women and Company members through Citigroup Global Markets Inc., member SIPC, and Citicorp Investment Services, member NASD/SIPC, and affiliates of Citibank. All references to Women and Company Financial Professionals refer to registered representatives who are employees of Smith Barney, a division of Citigroup Global Markets Inc., or Citicorp Investment Services that have elected to service Women and Company members. Through Women and Company, members can access information about Women and Company Financial Professionals; however, Women and Company does not recommend or otherwise assist a member in selecting a specific financial professional. Members are free to select financial professionals other than those affiliated with Citigroup. Other financial professionals may offer similar services at different or lower rates than Citigroup Global Markets Inc. or Citicorp Investment Services. Women and Company and Women & Co. are registered service marks of Citigroup Inc. Women and Company is a division of Citigroup. Smith Barney is a division of Citigroup Global Markets Inc. Citigroup Global Markets Inc. and Citicorp Investment Services are subsidiaries of Citigroup Inc. The Women and Company program is a resource within Citigroup accessed by its numerous subsidiaries for assistance in better serving the women's market. In consideration of this assistance, certain of such subsidiaries, including Citigroup's Global Consumer Group and Smith Barney, a division of Citigroup Global Markets Inc., reimburse certain expenses of Women and Company. Neither Women and Company, Smith Barney nor Citicorp Investment Services provide legal or tax advice; you should consult with your own tax or legal advisors.

3. 2 How Well Do You Know the Financial Facts of A Woman’s Life??

4. 3 THE FACTS About what percent of wives outearn their husbands?  10%  30%  50%

5. 4 THE FACTS About what percent of wives outearn their husbands? About one-third. Source: Business Week, 2003

6. 5 THE FACTS Who tend to be better investors – all-women investment clubs or all- male clubs?

7. 6 THE FACTS Who tend to be better investors – all-women investment clubs or all-male clubs? All-Women Investment Clubs All-female investment clubs outpaced all-male investment clubs with average compounded lifetime annual returns of 23.8% vs. 19.2%. Source: Wow! Facts, 2002

8. 7 THE FACTS What percentage of your pre-retirement income will you need to maintain your lifestyle after you stop working?  40%  75%  90%

9. 8 THE FACTS What percentage of your pre-retirement income will you need to maintain your lifestyle after you stop working? 75-90% Source: American Savings Education Council, 2004

10. 9 THE FACTS What is the likelihood that a 65-year old woman will live until age 88?  25%  50%  75%

11. 10 THE FACTS What is the likelihood that a 65-year old woman will live until age 88? 50% And there’s a 25% chance that she’ll live until age 94. Source: MetLife Mature Market Institute, 2004

12. 11 THE FACTS Who’s at more risk of outliving their savings – men or women?

13. 12 THE FACTS Who’s at more risk of outliving their savings – men or women? Source: National Council of Women’s Organization, 2003; The National Women’s Health Information Center, 2003 Women

14. 13 Are You Prepared? Ten Steps to Financial Fitness

15. 14 1. Organize A Support Network

16. 15 2. Get Your Financial Paperwork in Order

17. 16 3. Get Educated About Your Money

18. 17 4. Prepare A Household Budget

19. 18 5. Determine Your Money Goals and Values

20. 19 6. Develop a “Life” Plan – And Stick To It

21. 20 7. Address the “What Ifs”

22. 21 8. Evaluate Your Own Long-Term Care Needs

23. 22 9. Protect the Wealth You Are Accumulating

24. 23 10. Stay Informed and Engaged

25. 24 Financial Education on Life’s Financial Issues Access to Consultative Resources on Issues with Short- and Long-Term Financial Consequences: Taxes, Real Estate and Care Giving Savings and Discounts on Various Products Access to the Resources of Citigroup The Women and Company Membership

26. 25 Women and Company www.womenandco.com