Gcgma Reception Invite

Global Consumer Group Management Associate (GCGMA) Program

_______________________________ General Management Leadership Development Program

Global Consumer Group (GCG) Citi’s Global Consumer Group is a leader in the financial services industry. With its unmatched size and geographic reach, innovative products and services, and the industry’s most valuable brand, our consumer business is poised for growth in North America and around the world. 2006 net income of $12.1 billion (57% of overall Citi earnings). Our Consumer businesses are organized along client lines to capitalize on the different opportunities that the retail consumer markets offer. This structure, as outlined below, allows us to better integrate products and services to meet the needs of our clients and deepen our relationships with them. Global Consumer Group Businesses US

International

Retail Distribution

Int’l Retail Banking

Consumer Lending

Int’l Consumer Finance

Citi Cards

Int’l Cards

Commercial Business Group

GCGMA Program Global Consumer Group Management Associate (GCGMA) Program attracts high potential individuals with superior leadership skills and an interest in learning the fundamentals of how Global Consumer businesses operate.

PROGRAM GOALS  Develop a pipeline of future business leaders with cross-business, crossfunctional knowledge and exposure to the broad management network across the Global Consumer Group (GCG).  Expansion of our general management talent bench strength is critical to our continued growth strategy.  Focus on continued Career Development and placement into key jobs across the GCG that feed the management track.  Proactively focus on individualized development plans to accelerate leadership potential.

Key Attributes What sort of people are we looking for?         

Customer Focused Strong leadership capability, courageous, comfortable stepping up in adverse situations Builds relationships, promotes collaboration Results-driven, gets things done Unquestioned integrity Adaptable, open to change Good communicator Mobile Strategic visionary thinker

GCGMA Rotational Assignments GCGMA PROGRAM STRUCTURE  

Builds broad awareness while gaining exposure to various functions Four 6-month rotations

Opportunities:  Gain exposure to three or more GCG businesses  Rotations span four functional areas: Credit/Risk, Finance, Sales/Marketing, Operations  International Rotation  High visibility program and regular interaction with senior management  Senior-level executive mentor  “Team Challenge”: Class undertakes one month project to tackle high-level strategic issues facing the business. Presentation to Management Committee members

EXAMPLES OF ROTATION CONTENT Credit Risk  Understand Consumer Credit Policies, Procedures and Practices  Understand Legal & Regulatory Issues  Credit metrics and its uses  Exposure to underwriting tools and process Finance  Basic Understanding of business P&L  Understanding of the business planning & analysis process to include: Budgeting, Forecasting, Reporting, Strategic Planning and Investment Spending Sales & Marketing  Effective sales management techniques  Business Development Process  Brand Development  Marketing channels and their uses  Customer segmentation and targeting  Product Development  Process & product management Operations  Customer experience touch points  Process management / automation  Problem resolution / satisfaction  People Management

GCGMA Profiles Name: Valentin Valderrabano Georgetown Business School Class of 2003

Name: Weldon Maddan Columbia Business School Class of 2003

1st Rotation: Operations, Cards, Florence, KY 2nd Rotation: Finance, CitiMortgage, St. Louis, MO 3rd Rotation: Sales & Marketing, International Personal Bank, Singapore th 4 Rotation: Credit/Risk, International Cards, Belgium

1st Rotation: Finance, CitiMortgage, St. Louis, MO 2nd Rotation: Sales & Marketing, Consumer Finance, Baltimore, MD 3rd Rotation: Credit/Risk, CitiFinancial International th 4 Rotation: Credit/Risk, International Cards, Belgium

Off Program Roles: 1. Vice President, Credit Risk & Operations Manager, Global Consumer Group EMEA, London, UK 2. Vice President, Credit Operations Head, Global Consumer Group Greece, Athens, Greece

Off Program Role: Vice President, Director of Financial Planning and Analysis, Retail Distribution Group, New York, NY

GCGMA Profiles Name: Elliott Rodgers Harvard Business School Class of 2004 1st Rotation: Finance, CitiFinancial, Dallas, TX 2nd Rotation: Sales/Marketing, Retail Distribution, New York, NY 3rd Rotation: Audit Risk & Review, Europe, Middle East, Africa, 4th Rotation: Consumer Operations, Dallas, TX Off Program Role: Vice President, Franchise Development, CitiFinancial, Baltimore, MD

Name: Giles Farley Stanford Graduate School of Business Class of 2004 1st Rotation: Sales/Marketing, Retail Distribution, San Francisco, CA 2nd Rotation: Finance, CitiMortgage, St. Louis, MO 3rd Rotation: Operations, Global Consumer Group Europe, Middle East, and Africa, London, UK 4th Rotation: Credit/Risk, Taipei, Taiwan Off Program Role: Vice President, Sales Manager, EMEA CitiMortgage, Duesseldorf, Germany

Next Steps… To Learn More about our GCGMA Program:  Check with your Career Services Office for our Fall on-campus schedule  Visit our website at www.oncampus.citigroup.com  You are invited to attend our mid-summer reception in New York City on July 12, 2007. For details and to register for this event please submit your resume to : Lisa Ginsberg, GCGMA Asst. Program Manager Email: [email protected] Have a great summer!