Our promise to our customers.

Citibank is committed to putting its customers first. As a demonstration of that commitment, we have launched "Our Promise to You" -- a nationwide initiative built on the promises we make to our customers every day:

We promise to help protect their identities with world-class fraud services and identity theft solutions; we promise to reward them for telling their friends about us, by offering up to $500 to refer five friends; we promise to be there when they need us, by extending our weekday and weekend branch hours in many areas; we promise to listen to them and address their concerns with care, by inviting customers to come inside our branches and speak to us, or by phone or online anytime; we promise to help them define and work towards their financial goals, by offering expert financial guidance with Citi Personal Wealth Management; we promise to reward them for banking with us, by offering the benefits and rewards of our "ThankYou® Network"; and we promise to give back to their communities through a variety of local nonprofit partnerships.

The initiative was introduced in New York, California, Nevada, New Jersey and Connecticut earlier this year, and is now rolling out to our retail branches in Texas, Illinois, Massachusetts, Pennsylvania, Washington DC, Virginia, Maryland, Delaware and Florida. Most recently, all of our branches in the Central and Atlantic states held customer appreciation events on Saturday, May 8th.

And as an ongoing sign of our commitment, Citibank will continue to join with local community groups to engage employees, customers and their families in a variety of activities throughout the spring and summer months. In addition to the relationships we formed last fall with MillionTreesNYC and City Harvest, we will make more than $100,000 in charitable donations to organizations throughout the Central and Atlantic regions to support financial education. That's in addition to a $100,000 donation to the New York State Office of Parks, Recreation and Historic Preservation to restore a variety of Long Island State Park services and programs cancelled during fiscal year 2009/2010.

This national effort is just one of the ways we are focusing on our customers. Under the leadership of our CEO, Vikram Pandit, and the Head of our Global Consumer Business, Manuel Medina Mora, we are working company-wide to ensure our clients know we are there for them and to provide the very best service possible.

Earlier this spring I spoke with some of my industry colleagues about our efforts to become a more customer-centric company at American Banker's 15th Annual Best Practices in Retail Financial Services Symposium. I shared with them how we arrived at our strategy, and emphasized the importance of truly listening to customers during their "moments of truth" -- moments when they make real and lasting judgments about a bank's ability to meet their needs.

At Citi, we know that consistent, exceptional service builds customer loyalty and creates advocates out of our own customers. We are dedicated to delivering that level of service, and are working to improve each and every day.

To learn more about this initiative or find a branch near you, visit www.citibank.com/promises.