From: vikrampandit@citi.com
Sent: Wednesday, January 14, 2009 2:10 PM
Subject: Message from Vikram

Dear Citi Colleagues,
I want to make sure you know that we've moved up our Q4 2008 earnings
announcement to this coming Friday, January 16. Since we are ready to
release 4th quarter earnings and talk about 2009 and the future, we saw
no need to wait.
As I told you yesterday in my video message, economics and psychology
are both important in the markets. The economic model of our business is
sound and positions the company for success over the long term. The
clarity we provide as we report earnings should address the psychology
of the market.
Until then, here are the things you should know:
* While we are embarked on a long-term transformation of Citi, our core
mission is unchanged. Our goal is to streamline our operations,
strengthen our balance sheet, position ourselves to take advantage of
historic global growth opportunities, and deliver to clients all the
benefits of our strength, insight, and unique global reach.
* We are and will remain a bank. We will continue to help clients save,
borrow, invest, transact, and we will provide them advice.
* Our commitment to our clients remains unchanged. We will continue to
deliver what our clients expect from us. That is our firm commitment.
Please reiterate that to the customers and clients you speak with today.
We continue to be focused on creating value for our shareholders and
debt holders and restoring profitability sooner rather than later.
Thank you for your dedication, focus, and hard work. I look forward to
speaking with you on Friday.