Citi's effort to help people stay in their homes.

For many Americans, homeownership is the investment of a lifetime, and having it jeopardized by job loss or other financial setbacks can be overwhelming, to say the least.

At Citi, we understand the special responsibility we bear, and are working every day to keep distressed homeowners out of foreclosure.

Tucson, Arizona-based CitiMortgage Default Collections employee Courtney Rodriguez experienced firsthand the impact of her efforts to apply Citi's various foreclosure prevention and loan modification programs, which include the Office of Homeowner Protection [OHP], Citi Homeowner Assistance Protection [CHAP], Citi Unemployment Assistance Program [CUAP] and the government's Homeowner Affordable Modification Program [HAMP].

Recently, Courtney received a call from a client in tears. It was a woman who had recently lost her husband and was struggling to make mortgage payments on the home they had lived in for 30 years in Ohio. The woman was convinced that nothing could be done and that she would lose her home.

Courtney concluded otherwise. Upon telling the woman that she qualified for the HAMP program, she was able to significantly reduce the woman's mortgage payments and allow her to stay in her home. The grateful client proclaimed to be "hugging her over the phone."

In the community, Citi remains committed to helping our customers through partnerships with local organizations such as HOPE NOW and Neighborworks, among others. We've developed numerous programs and initiatives to support our customers during these challenging times, and to help fuel the American economy.

For more information on the CitiMortgage programs, visit www.citimortgage.com