Japan   Overview Since Citibank opened its first branch in Yokohama in 1902, Citigroup companies in Japan have grown to become some of the country's most diverse and recognized financial services companies. Today, Citigroup has nearly 16,000* employees nationwide, in the entities conducting the corporate, consumer and investment banking businesses as well as in credit cards, consumer finance and brokerage. *Including employees from joint venture companies.   Highlights Largest foreign bank branch network in Japan with 22 branches and 8 mini branches throughout Japan. The first to introduce innovative products and services through its retail bank, including 24/365 ATM access, with 920,000 ATMs available nationwide for banking card transactions. Retail bank also offers tailor made investment consultation services at branches and via its telephone center based on worldwide experience and information sources. The leading foreign corporate banking franchise in Japan, with services including currency trading and hedging strategies, syndicated lending, export agency finance, securitization and asset finance, cash management, trade finance and security services. Leading position in investment banking through Nikko Citigroup Limited, a joint venture with the Japanese securities firm, Nikko Cordial Corporation. Nikko Citigroup Limited this year received numerous Thomson DealWatch awards for its excellence, including Asset-backed Securities Deal of the Year, Equity Deal of the Year, Equity-linked Bond Domestic Deal of the Year.. One of the largest consumer finance businesses in Japan that has more than 900 branches and automatic loan machines, as well as on-line and telephone services and more than 58,000 affiliate ATMs and cash dispensing machines. (As of June 30, 2005). Solid reliability and premium quality offered by card business under Diners Club Card and Citi Card brands. Citibank Japan www.citibank.co.jp - Japanese www.citibank.co.jp/en/index.html - English   CFJ K.K. (Consumer finance business in Japan) http://cfjkk.jp/CFJKK/index.do - Japanese only   Nikko Citigroup (our Joint Venture with Nikko Cordial Corporation) www.nikkocitigroup.com/ja/ - Japanese www.nikkocitigroup.com/en/ - English For More Information: Citigroup Japan Holdings Ltd. 10 Floor Tokyo Ginko Kyokai Building 1-3-1 Marunouchi Chiyoda-ku, Tokyo 100-0005 Japan Corporate Affairs Office Tel: +81-3-5223-8699 Fax: +81-3-5223-8668 Nikko Citigroup Ltd. Shin-Marunouchi Building 1-5-1 Marunouchi Chiyoda-ku, Tokyo 100-6520 Japan Tel: +81-3-03-6270-5000 Fax: +81-3-6270-5001 Corporate Communications Tel: +81-3-6270-5130 Fax: +81-3-6270-5139