Market Volatility due to Crisis in USA

• US markets have demonstrated ability to rebound from crisis.

Launch of the Euro currency in January 2002

From May 2, 2001 Citibank will no longer accept or offer National Currency Denomination (NCD) Checks, Drafts and Travelers Checks.

With the coming launch of the Euro currency in January 2002, we will no longer accept or offer national currency denomination (NCD) checks, drafts or travelers checks from the following countries: Austria, Belgium, Finland, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal and Spain.