Investing to deliver superior customer service.

To serve our customers better, Citibank is investing in our employees. On Saturday, September 25th, all U.S. Citibank branches will be closing at 1:00 p.m. for a national training initiative.

Improving the customer experience, and customer loyalty, is a particular focus for us at Citibank. This unique training initiative marks just one step in our journey to get better. We've not only invested over the last two years to improve our facilities and our technology, but we are investing in our people as well. This training will dig deep into what constitutes truly excellent customer service and empower our employees to be better listeners, to anticipate their customers' needs and to respond with innovative and targeted solutions.

As always, our customers can bank with us 24 hours a day, seven days a week by using our fee-free ATMs including those at 7-Eleven locations, CitiPhone Banking (1-888-CITIBANK), Citi Mobile, or by visiting Citibank Online at www.citibank.com. Most branches also now offer extended hours during the week.

We are already looking forward to re-opening after training with a renewed energy and refreshed commitment. Our sustained goal is to delight and build long-term, meaningful relationships with our customers. They deserve nothing less.