Citigroup Inc.

Ajay Banga is Chief Executive Officer of Asia Pacific, one of Citi’s fastest-growing regions. From 2005 to 2008, Mr. Banga served as Chairman and Chief Executive Officer of Citi’s International Global Consumer Group businesses, for which his responsibilities included all credit card, retail banking, and consumer finance operations in Asia, Japan, Europe, Middle East, Africa, Latin America, and Mexico. Previously, he served as an Executive Vice President of the Global Consumer Group and President of Retail Banking North America. At that time, he was responsible for branch banking, commercial banking, commercial real estate, commercial financing and leasing, mortgages, student loans, and the Primerica Financial Services distribution channel. Appointed in 2002, he had additional responsibility for the servicing and technology of all the real estate businesses in the consumer bank. Mr. Banga, who joined Citi in 1996, served as business head of CitiFinancial and the U.S. Consumer Assets Division from 2000 to 2002. Previously, he worked in London as Division Executive for the Consumer Bank in Central and Eastern Europe, Middle East, Africa, and the Indian subcontinent from 1998 to 2000. Early in his Citibank career, he was based in Brussels, where he was the Head of Sales, Marketing, and Business Development for the Europe, Middle East and Africa region. Mr. Banga began his business career as a management trainee with Nestle in 1981. He spent the next 13 years in a variety of assignments spanning sales, marketing, and general management. He later joined PepsiCo in its Restaurants Division and was instrumental in the launch of Pizza Hut and Kentucky Fried Chicken in India. Mr. Banga serves on the Board of Kraft Foods Inc. and is on the Board of Trustees of the National Urban League and the Asia Society. He is a member of the Financial Services Roundtable, an industry organization, and is past Vice Chair of the New York Hall of Science’s Board of Trustees. Mr. Banga is an alumnus of the Indian Institute of Management in Ahmedabad, India. Director since January 2007

Mr. Douglas Peterson has served as Chairman, Representative Director, President and Chief Executive Officer of Nikko Citi Holdings since May 2008 when Nikko Cordial Corporation merged with Citigroup Japan Holdings. Before the merger, he served as the Representative Director and Chief Executive Officer of Citigroup Japan Holdings (since June 2007) and the Chairman and Director (since June 2007) and the President and Chief Executive Officer (since January 2008) of Nikko Cordial Corporation. He arrived in Japan in June 2004 and served as Chief Executive Officer of Citibank, N.A.'s Japan Branches until June 2007. He is a member of Citi's Senior Leadership Committee. Prior to these current positions, Mr. Peterson served as the Chief Auditor of Citigroup, a position he assumed in October 2000. He had joined Audit & Risk Review in 1998 as a Managing Director. Mr. Peterson joined Citibank in 1985 and worked as a Relationship Manager in Buenos Aires for two years in the Corporate Bank. He then spent four years in New York as a Relationship Manager covering domestic and international airlines and aircraft manufacturers. In 1991, Mr. Peterson moved to Costa Rica as the Country Corporate Officer, where he expanded the franchise by opening the first foreign-owned bank in Costa Rica. From 1995 to 1998, he was the Country Corporate Officer in Uruguay, where he managed the corporate bank and oversaw Citicorp's mutual funds. He also launched a private pension fund through a joint venture. He currently serves on the Board of Governors of the American Chamber of Commerce in Japan and is also a member of the Executive Committee of the International Bankers Association and the chair of Citi's Diversity Council Japan. Mr. Peterson graduated from Claremont McKenna College in 1980 with a B.A. in Mathematics and History. He received an M.B.A. from the Wharton School of the University of Pennsylvania in 1985, where he concentrated in International Finance.

Enrique Zorrilla is Chief Executive Officer for Banamex in Mexico. He is also a member of the Senior Leadership Committee of Citi and of the Boards of Directors of Seguros Banamex, Afore Banamex, and Credito Familiar. Prior to joining Banco Nacional de Mexico (Banamex) in July 1982, Enrique spent two and a half years with PricewaterhouseCoopers as a Senior Consultant. He joined Banamex in Mexico City as an Account Executive in Corporate Banking and, in 1985, he became an Assistant Vice President. In 1988, he opened a new office for the Corporate Banking in Monterrey and, in 1991, was named Senior Vice President responsible for the Corporate and Middle Markets in the North Division. From 1993 to 1996, he was the Executive Vice President in charge of the North Division, including the Corporate, Middle Markets, and Retail banking units. He moved back to Mexico City in mid-1996 to design and launch the commercial strategy for Afore Banamex (the pension funds company) and was elected Corporate Director of Commercialization in November of that same year. In 2001, after the official announcement of the integration of Citibank Mexico and Banamex, he was put in charge of coordinating the integration process of the retail and the affluent customer segments, an objective that was accomplished in a period of six months. In January 2006, he was appointed Head of Commercial Markets, responsible for 1,388 branches and around 17,386 employees. Enrique assumed his current role in December 2006. He has a B.A. from the Universidad Iberoamericana, a Certified Public Accounting degree from the Universidad Nacional Autonoma de Mexico, and an MBA from Northwestern University, Chicago. He is the founder of the Diversity Committee, Mexico.

George Awad is Chief Executive Officer, Consumer Finance for Citi Holdings. His responsibilities include: Retail and Private Label Cards, The Student Loan Corporation and the Auto Finance business in North America as well as the European Consumer Banks. He is also a member of Citi's Senior Leadership Committee. He previously held the positions of Chief Executive Officer, North America Cards and Chief Executive Officer of Citi's Global Consumer Group in Europe, Middle East and Africa (EMEA). George brings strong growth and turnaround leadership. In North America, the cards businesses are delivering record revenues while the strong focus on risk management is delivering billions of dollars in lower credit losses. In EMEA, George managed the German Retail Bank through the successful divesture resulting in a multi billion dollar gain. Also in EMEA, George and his team delivered record organic earnings growth by divesting seven subscale platforms and turning around six others; the region ended the fourth quarter 2007 with its highest revenue ever. George joined Citi after an 18-year career at General Electric Company, where he was Senior Vice President of Sales and Marketing at GE Money. During this time, he helped lead GE Money to double-digit organic growth for seven consecutive years and drive net income growth from US$700 million in 2000 to over US$3 billion in 2005. His previous positions at General Electric included general management, business development, and sales roles throughout the U.S., China, France, Japan, Singapore, and the U.K. George holds a B.S. in civil engineering from the American University of Beirut and an M.B.A. from the University of Pittsburgh, Katz Graduate School of Business. He has more than 20 years of consumer product and financial services experience in Europe, Asia, and the U.S.

John Havens is CEO of Citi's Institutional Clients Group (ICG), the institutional division of Citigroup Inc. and a worldwide leader in corporate and investment banking, sales and trading, transaction services and alternative investments. Mr. Havens was previously CEO of Citi Alternative Investments, where he remains Chairman. Prior to joining CAI, he was a founder and Partner of Old Lane, LP, a multi-strategy hedge fund and private equity fund manager that was acquired by Citi in 2007. Upon acquisition, Old Lane's total assets under management and private equity commitments amounted to approximately $4.5 billion. Before forming Old Lane in 2005, Mr. Havens was Head of Institutional Equity at Morgan Stanley and a member of the firm's Management Committee. In his 19-year career at Morgan Stanley, Mr. Havens held several positions of increasing authority and served on the new product, risk, and capital allocation committees. Mr. Havens has served on many NYSE committees over the years and just ended a term as a Director of the NASDAQ market. He began his career in 1979 as a trader of convertible securities at Kidder Peabody. Mr. Havens holds a B.A. degree from Harvard University.

Michael L. Corbat is Chief Executive Officer of Citi Holdings, made up of brokerage and asset management, local consumer finance and a special asset pool. He took on that role after serving as Chief Executive Officer of Citi's Global Wealth Management. He is also a member of Citi's Senior Leadership Committee. Before his position as CEO of Citi's Global Wealth Management, Mr. Corbat was a Managing Director and Head of the Global Corporate Bank and Global Commercial Bank at Citi, a role in which he led the firm's efforts to provide best-in-class financial services to top-tier multi-national corporations and financial institutions around the world. Previously, Mr. Corbat was Head of Global Emerging Markets in Markets and Banking, responsible for the origination, trading, and sales of emerging markets fixed income debt. He joined Salomon Brothers, a Citi legacy firm, in 1983 in the Fixed Income Sales Department in Atlanta and has worked in New York City and London. In his various advisory and structuring roles, Mr. Corbat has successfully guided clients grappling with significant challenges, such as the bankruptcy of Orange County, California, to sovereign debt restructurings in Ecuador and Uruguay, to being actively involved with many of the activities surrounding the world's largest companies. He currently serves on the Board of Trustees of the Salisbury School and is a member of the Board of Directors of the BritishAmerican Business, Inc. and the Swedish American Chamber of Commerce. He is the chair of Citi's Senior Recruiting Committee, which guides the overall direction of the company's recruiting efforts. Born in Bristol, Connecticut, Mr. Corbat earned a bachelor's in economics from Harvard University in 1983.

Pamela P. Flaherty is President and Chief Executive Officer of the Citi Foundation. She is also Director of Corporate Citizenship for the company and a member of Citi's Management Committee. Previously, she managed Citibank's New York branch banking business and served as Citicorp's Senior Human Resources Officer. She began her career at the company in Citibank's International Banking Group. She is Chair of the Board of Trustees of Johns Hopkins University and also participates on the Boards of several non-profit organizations, including the Local Initiatives Support Corporation, Kenyon College, Colonial Williamsburg, and The Nature Conservancy Long Island Chapter. Pam is also a member of the Council on Foreign Relations. She is an honors graduate of Smith College and holds a Masters in International Affairs from Johns Hopkins Nitze School of Advanced International Studies.

Paul Galant is Chief Executive Officer of Citi Cards, serving as Head of Citi's North American and International Cards business. Citi's global credit card business provides credit for people and businesses the world over. The franchise is a market leader and encompasses card activities in 50 countries across six continents. Citi Cards serves more than 63 million card members and manages in excess of $125 billion in receivables. Prior to this assignment, Paul served as CEO of Global Transaction Services (GTS) a division of Citi's Institutional Clients Group. Global Transaction Services is one of Citi's publicly reported product lines, offering award winning and industry leading Treasury and Trade Solutions, and Securities and Fund Services capabilities to corporations, governments, financial institutions and investment advisors worldwide. In 2008 the business realized a 22% growth rate (yoy) with revenues of $9.6 billion and a 34% net income growth rate (yoy) totaling $3 billion. Overall, the GTS business realized a 44% Continued Annual Growth Rate (CAGR) in net income from 2006 to 2008. Prior to this, he was the Global Head of the Cash Management business, -- one of the largest processors of cash flows globally, covering all geographic regions including North America and Latin America, Europe, the Middle East, Africa and Asia Pacific. Under Paul's leadership the Cash Management business experienced strong growth and a significant improvement in its operating performance. It was also recognized for innovation and excellence by many publications including Euromoney, The Banker and Global Finance. Before this, Paul was Global Head of eCommerce and Market Data Strategy for Citi Corporate and Investment Banking. Paul and his team set strategic direction and coordinated execution of eCommerce initiatives, advised on eCommerce alliances, consortia and joint ventures, set market data strategy, managed market data relationships and developed global agreements that generated cost savings, allowed greater distribution and leveraged purchased content and functionality. Previous positions before joining Citi were with Donaldson, Lufkin and Jenrette as Global Head of Ecommerce and Financial Engineering within Debt Capital Markets as well as Management Committee member; with both Smith Barney and CSFB heading Financial Engineering Divisions; and as President and Founder of BTP Information Services, Inc. Paul holds a B.A. from Cornell University where he graduated a Phillip Merrill Scholar. He was featured in Institutional Investors Online 40 (2008), by Crain's New York Business as a member of its "40 Under 40" (2006), by Global Finance as a member of their "Who's Who in Treasury and Cash Management" (2006) and by CNBC as a "Young Gun" in its "Five under 40" profile (2006). He serves as an Executive member on the NY Weill Cornell Medical Center Council.

Raul Anaya is the Chief Executive Officer of Latin America in Citi's Consumer Banking. He is responsible for Consumer Operations ? Retail Banking, Cards, and Consumer Finance. Mr. Anaya was named to his position in December 2005. He had served as Retail Head for Latin America from February 2005. He is a member of Citi's Senior Leadership Committee. Earlier, Mr. Anaya was Executive Director in Charge of Consumer Assets at Banamex in Mexico, where he was responsible for Mortgages, Personal Loans, and Auto Financing from August 2003 to January 2005. Prior to this position, he was the Divisional Director in Charge of the Center Metropolitan Retail Banking Division at Banamex. From May 1999 to January 2002 Mr. Anaya was Chairman and CEO of Banco Bansud S.A. (formerly a wholly owned subsidiary of Banamex) in Argentina. Mr. Anaya joined the organization at the Banamex New York Agency in October 1987, and subsequently held the positions of General Manager of Banamex Los Angeles Agency, Executive VP of the Corporate and International Banking Division at California Commerce Bank, General Manager of Banamex Houston Agency, and General Manager of Banamex New York Agency with responsibility for the U.S. and Canada offices. Mr. Anaya sits on the Advisory Council of Citi's LatAm Diversity Committee. He was also a Member of the Board of Directors of California Commerce Bank from 1996 to 2001.

Sanjeeb Chaudhuri is the Regional CEO for Central and Eastern Europe for the Global Consumer Group (GCG) and Chief Marketing Officer for GCG - Europe, Middle East and Africa. He is also a member of the Citi Management Committee, the Global Consumer Planning Group, and the Citi Global Advertising Council. He was also Country Business Manager for Citibank in Hungary, UK/Ireland, CitiGold International and Managing Director Dinners Club UK. Before that he was Cards and Banking Business Manager at Citibank India. He served as Chairman of the Internet Operating Committee for EMEA and represented the Western Europe Consumer businesses on the Global Cross Marketing Operating Committee. He was also Marketing, Internet and Business Development Director for Citibank's businesses in Europe. Sanjeeb Chaudhuri joined Citigroup over 18 years ago as Managing Director of Bankcards and Dinners Club in India. He was also Chairman of the Human Resources Committee for Citigroup's Credit Cards Council in Asia-Pacific and CEEMEA markets. Prior to joining Citigroup, Sanjeeb worked in Sales, Marketing and General Management positions of increasing seniority at Procter & Gamble, Colgate-Palmolive and Unilever. He is a Science Honours graduate with a Post Graduate MBA in Marketing. He also holds an Advanced Management Program (AMP) diploma. From October 28, 2005 to September 21, 2006 he was Vice President of the Management Board of Bank Handlowy w Warszawie S.A., one of the largest banks in the Polish market listed on the Warsaw Stock Exchange.

Shirish Apte is Chief Executive Officer of Citi's Central & Eastern European Region, which includes some of the fastest-growing emerging markets. In this region, Citi is engaged in serving customers across a broad client segment, including consumers, corporations and governments. He is a member of Citi's Senior Leadership Committee. Previously, Shirish was CEO of Central & Eastern Europe, Middle East & Africa (CEEMEA) Citi Markets & Banking. Before that, he was Country Business Manager for Citibank Handlowy, Poland. Shirish was instrumental in Citigroup acquiring Bank Handlowy, Poland in 2000 and led the merger of Bank Handlowy into Citigroup. Shirish has more than 26 years' experience with Citi, starting as Relationship Manager with Citibank India. He held various assignments in Corporate Banking, Risk Management and Corporate Finance Investment Banking before becoming Markets & Banking head in India. Shirish moved to London in 1993 as one of the senior Risk Managers for the group before becoming Corporate Finance Head for CEEMEA, including India. He is Citi's Senior Statesman at the London Business School as well as a member of EMEA's CitiDifference Steering Committee, which provides management leadership and accountability in the development and execution of EMEA's objectives in diversity. Shirish is a Chartered Accountant from the Institute of Chartered Accountants in England and has an MBA from London Business School.

Stephen Bird is Chief Executive Officer of Citi North Asia responsible for all the company's business lines in China, Hong Kong, Korea and Taiwan. Mr Bird is also Head of Consumer Banking and Global Cards in Asia Pacific, responsible for the Retail Banking, Credit Card and Consumer Finance businesses in the region. Mr. Bird is an alumnus of Citi's Chairman's Executive Forum and GE's European Advanced Leadership program. He is a graduate of University College Cardiff with an MBA in Economics & Finance. Mr. Bird is a member of Citi's Senior Leadership Committee. In Asia Pacific, Citi's Consumer Banking and Global Cards serves over 37 million consumer customers in Australia, China, Guam, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, Philippines, Singapore, Taiwan and Thailand. Prior to his current position, Mr. Bird served four years in Citi Japan as its CEO, Credit Cards and Consumer Finance. Earlier, he was Head of Operations & Technology for Citi Latin America, covering all Citi's businesses in 23 countries. Mr. Bird joined Citi in 1998 in Singapore as the Asia Pacific Head for Operations & Technology. He successfully built Citi's technological and operational capability to deliver outstanding customer service and a market leading Internet capability, the best amongst all retail banks in the region. Citi's award-winning ?e' commerce capabilities continue to win customer and industry recognition. He then moved to Citi Latin America in 2001. Prior to joining Citi, Mr. Bird held senior management positions in GE Capital and British Steel in the United Kingdom. At GE Capital, Mr. Bird launched its 6 Sigma program and established a client focus and continual improvement culture in GE Capital Fleet Services before becoming its Director of UK Operations. He is a recipient of GE's "Pinnacle Award" for pioneering work in establishing joint commercial ventures between GE Capital's different businesses serving the financial needs of the UK automotive sector. At British Steel, he was responsible for its $750 million automotive manufacturing complex which achieved preferred supplier status from the highly demanding and technologically advanced Japanese auto manufacturers based in Europe. Mr. Bird is an alumnus of Citi's Chairman's Executive Forum and GE's European Advanced Leadership program. He is a graduate of University College Cardiff with an MBA in Economics & Finance.

Steven J. Freiberg is Chief Executive Officer of Global Cards for Citi. He has direct responsibility for the cards business in North America and Western Europe and coordinates with regional leadership in Asia Pacific, Mexico and Latin America, and Central and Eastern Europe. He is a member of Citi's Senior Leadership and Executive Committees. Steven J. Freiberg is Chief Executive Officer of Global Cards for Citi. He has direct responsibility for the cards business in North America and Western Europe and coordinates with regional leadership in Asia Pacific, Mexico and Latin America, and Central and Eastern Europe. He is a member of Citi's Senior Leadership and Executive Committees. Mr. Freiberg joined Citi's Card Products Division in 1980 as a Management Associate and by 1985 was the division's Chief Financial Officer. He then moved on to become the Chief Financial & Operating Officer of Citibank Financial Account, Citi's early entry into online banking. In 1987, he became a founding director of Citicorp Investment Services (CIS) and over the next four years held the positions of Chief Financial Officer, Chief Investment Officer, and National Sales Director. In 1991, Mr. Freiberg joined a corporate-wide task force where he was part of a team which developed Citicorp's five-year Global Consumer Strategic Plan. He then moved to Florida to run distribution for the Florida Consumer Bank. In 1995, he returned to New York as the Chairman and CEO of Citicorp Investment Services and the Citicorp Insurance Group. In 1997, Mr. Freiberg rejoined the Credit Card Division and assumed responsibility for several major Strategic Business Groups and in 2000, he was appointed Chairman and CEO of Citi Cards. In 2005, he was appointed to the position of Chairman and CEO of the Global Consumer Group NA and Co-Chair of the Global Consumer Group. His North America responsibilities included credit cards, retail banking, consumer finance, Primerica, consumer lending (mortgage, auto, student loans), and small to mid-size commercial banking. Mr. Freiberg serves or has served as a member of Citi's Operating and Management Committees and co-heads Global Consumer's Planning Group. He also serves or has served on the Boards of Citibank N.A., Citicorp Credit Services Inc., Citicorp Investment Services, Citicorp Insurance Group, Citibank Trust NA, Citibank FSB, MasterCard Incorporated, the US Board of MasterCard (as chair), Direct Marketing Association Board, Habitat for Humanity NYC Council, Upromise Board, The Financial Services Roundtable, and the NYU Management Decision Laboratory. He is a business sponsor of Citi's Asian Pacific Heritage Network NYC.

Terri Dial is Chief Executive Officer of Citi Consumer Banking North America. In this role, she is responsible for retail banking, consumer finance, consumer lending, and small- to mid-size commercial banking from the most recognized brands in financial services -- Citibank, CitiFinancial, CitiFinancial Auto, CitiMortgage, and Women & Co. In addition, as Global Head of Consumer Strategy, she directs consumer banking strategy worldwide in collaboration with Citi's regional CEOs to ensure consistent application of worldwide standards and best practices in marketing, customer service, innovation, decision analytics, and technology across Citi's Consumer Banking operations. Terri joined Citi in June 2008. She is a member of Citi's Executive and Senior Leadership Committees. Prior to joining Citi, Terri served as Group Executive Director of UK Retail Banking and as a member of the Board of Directors at Lloyds TSB Group plc. In this role, she led the business to record customer satisfaction, employee engagement, and sales. Prior to Lloyds TSB, Terri was President and Chief Executive Officer of Wells Fargo Bank, a subsidiary of Wells Fargo & Co. During her nearly 30-year tenure, Terri is credited with building Wells Fargo into one of the most successful banks in the United States. She also has served in various non-executive director roles. Terri is a member of the Board of Advisors of the Judge Business School, Cambridge University, England, and the College of Arts and Sciences, Northwestern University, U.S. She is a member of the International Women's Forum and a Director of LookSmart Corp. Terri received her B.A. in Political Science from Northwestern University.

Vikram Pandit is the Chief Executive Officer of Citi. Before being named CEO on December 11, 2007, Mr. Pandit was Chairman and CEO of Citi's Institutional Clients Group, which includes Markets & Banking and Citi Alternative Investments. Formerly the Chairman and CEO of Citi Alternative Investments, Mr. Pandit was a founding member and chairman of the members committee of Old Lane, LP which was acquired by Citi in 2007. Previously, Mr. Pandit was President and Chief Operating Officer of Morgan Stanley's institutional securities and investment banking business and was a member of the firm's Management Committee. Mr. Pandit serves on the boards of Columbia University, Columbia Business School, the Indian School of Business, and Trinity School. He is a former board member of NASDAQ, the New York City Investment Fund, and the American India Foundation. Mr. Pandit earned a PhD in Finance from Columbia University in 1986. He also received an MS degree in 1977 and a BS degree in electrical engineering in 1976 from Columbia.

Bill Rhodes is the Senior International Officer for Citi. He has specific responsibilities for client relationships worldwide, as well as for relationships with governments and other official institutions. He is a member of Citi's Senior Leadership Committee. Mr. Rhodes gained a reputation for international financial diplomacy in the 1980s as a result of his leadership in helping manage the external-debt crisis that involved developing nations and their creditors worldwide. During that period and in the 1990s, he headed the advisory committees of international banks that negotiated debt-restructuring agreements for Argentina, Brazil, Jamaica, Mexico, Peru, and Uruguay. In 1998, when the Republic of Korea experienced liquidity problems, he chaired the international bank group that negotiated the extension of short-term debt of the Korean banking system. In early 1999, at the request of the government of Brazil, he acted as worldwide coordinator to help implement the maintenance of trade and inter-bank lines by foreign commercial banks to Brazil. Mr. Rhodes is a Director of Banamex; a Director of the Private Export Funding Corporation; First Vice Chairman of the Institute of International Finance; Chairman of the Americas Society and Council of the Americas; Chairman of the U.S.-Korea Business Council; a Director of the U.S.-Russia Business Council; a Director of the U.S.-Hong Kong Business Council; Vice Chairman of the National Committee on U.S.-China Relations; a Director of the U.S.-China Business Council; a member of South African President Thabo Mbeki's International Advisory Board; a member of the Inter-American Development Bank's Private Sector Advisory Board; a member of the International Policy Committee of the U.S. Chamber of Commerce; and a member of the Board at the Foreign Policy Association. He is also a member of the U.S.-Brazil CEO Forum, the Council on Foreign Relations, The Group of Thirty, and The Economic Club of New York. Mr. Rhodes is a Governor and Trustee of The New York-Presbyterian Hospital; a member of the Lincoln Center Consolidated Corporate Fund Leadership Committee; and a member of the Metropolitan Museum of Art Business Committee and Chairman's Committee. He is a member of the Board of Overseers of the Watson Institute for International Studies at Brown University and Chairman Emeritus of the Board of Trustees of the Northfield Mount Hermon School. He has received decorations and honors from various governments and institutions, including an Honorary Doctorate in Humane Letters from his alma mater Brown University, Chevalier and Officer of France's Legion of Honor, decorations from Korea, Brazil, Mexico, Argentina, Venezuela, Colombia, and Jamaica, and multiple awards from not-for-profit organizations in recognition of his contributions to international banking and finance. Mr. Rhodes joined Citibank in 1957 after graduating from Brown University.

Yung Ku Ha is the CEO of Citibank Korea Inc. as well as of Citi Korea. He is responsible for Citi's franchise in Korea and is a member of Citi's Senior Leadership Committee. Before taking on his current role, Y.K. had been the CEO of KorAm Bank in May 2001 after 20 years in Citibank. Through the tender offer process in April 2004, KorAm became a part of Citi and Y.K. returned to the company. In November 2004, KorAm and the Citi Seoul operation were integrated into Citibank Korea Inc. Y.K. had originally joined Citibank in 1981. He had the responsibilities of different country head positions in the company, starting in Korea as Country Treasurer in 1985, Country Business Manager for Investment Banking Group in 1987, Corporate Banking Group Head in 1994, and most recently Country Business Manger for Global Consumer Bank. Y.K. was a member of the Financial Industry Development Committee and the Deregulation Committees of various laws and rulings which are hosted by the Ministry of Finance and Economy, from 1998 to 2007. Y.K. is (now) a member of Financial Center Promotion Committee, hosted by FSC (Financial Services Commission). He also chairs Citi Korea's Diversity Committee and business sponsor of Citi Korea Women's Council. Y.K. received an MBA from Kellogg School of Northwestern University and a BA in International Economics from Seoul National University in Korea.

Bonnie Howard was named Chief Auditor of Citi in June 2004. She manages the Audit and Risk Review function, a staff of approximately 850 in seven U.S. cities and 13 countries. She is a member of the Citi Senior Leadership Committee. Bonnie joined Citi in New York in January 2003 as Managing Director of Audit and Risk Review - Markets & Banking. In this role, she led ARR's worldwide coverage of capital markets, corporate finance, credit, and transaction services businesses. Prior to joining Citi, from 2000 to 2002 Bonnie was Deputy Auditor of FleetBoston Financial Corporation and from 1988 to 2000 a Managing Director with JP Morgan, where she held leadership roles within global markets operations and internal audit. Her career began in public accounting with KPMG and Ernst and Young. Bonnie is business sponsor of the Citi Women's Network - NYC and the Corporate Center Women's Organization. She also serves on the Board of Directors of the YWCA of the City of New York, the Advisory Council of the YWCA Academy of Women Leaders, and the Executive Steering Committee of the New York-Presbyterian Hospital/Weill Cornell Medical Center Women's Health Symposium. Bonnie graduated from the University of Missouri with a B.S. in Accounting. She is a Certified Public Accountant and an NASD-registered Finance and Operations Principal (Series 27).

Cindy Armine is the Chief Compliance Officer for Citi. She is responsible for ensuring that all businesses within Citi are operating in conformance with applicable laws and regulations, and maintaining good relationships with regulators. With more than 28 years at Citi and its predecessor firms, Cindy has been a leader in the Compliance organization for more than 14 years. During the span of her career, she has overseen the Compliance functions of Citi Private Bank, Smith Barney, Citi Investment Research, and the U.S. Corporate & Investment Bank. Cindy has provided critical compliance and regulatory oversight for many of our company's most important initiatives, mergers, and acquisitions, starting with the acquisition of Shearson by Smith Barney in 1993, the mergers between Smith Barney and Salomon Brothers in 1998, and Travelers and Citicorp in 1999, and the acquisition of Legg Mason in 2005. In 2006 she was named Champion of Diversity for her work and her outstanding commitment to diversity. She was included in Citi's Banking Team Award in the 2007 US Banker ranking of the top 3 banking teams in the industry, and was recently inducted into the YWCA's Academy of Women Leaders in 2007.

Don Callahan is the Chief Administrative Officer for Citi. Mr. Callahan oversees Operations and Technology, Marketing and Branding, and Corporate Affairs. He is a member of Citi's Senior Leadership and Executive Committees. In October 2007, he was named the Chief Administrative Officer of Citi Alternative Investments (CAI), then Chief Administrative Officer of Citi's Institutional Clients Group, where he was responsible for CAI and Citi Markets and Banking's global product distribution, marketing, operations, and technology functions. Prior to joining Citi, Mr. Callahan was a Managing Director and Head of Client Coverage Strategy for the Investment Banking Division at Credit Suisse. He was a member of the Investment Banking Management Committee, the Investment Banking Management Council, and the Chairman's Board. From 1993 to 2006, Mr. Callahan worked at Morgan Stanley, serving in numerous roles, including Global Head of Marketing and Head of Marketing for the Institutional Equities Division and for the Institutional Securities Group. He was responsible for establishing the client segmentation and relationship model used throughout Morgan Stanley's Investment Banking, Equity, and Fixed Income Divisions. Prior to joining Morgan Stanley, Mr. Callahan held a number of marketing positions at International Business Machines Corporation (IBM). His last position there was Director of Strategy for IBM Japan. He serves on the boards of Manhattanville College, the Salisbury School, and the American Red Cross of New York. Mr. Callahan received a B.A. in History from Manhattanville College and as a post-graduate attended Oxford University, where he read history.

Edward "Ned" Kelly was named Chief Financial Officer of Citi in March 2009. He is responsible for the financial management of the company in addition to Strategy & M&A and Productivity & Reengineering. Prior to being named CFO, Ned was Head of Global Banking, Citi Private Bank and President and Chief Executive Officer of Citi Alternative Investments in Citi's Global Institutional Bank. He is a member of Citi's Senior Leadership and Executive Committees. Mr. Kelly joined Citi in February 2008 from The Carlyle Group, a private investment firm, where he was a Managing Director. Prior to joining Carlyle in July 2007, he was a Vice Chairman at The PNC Financial Services Group following PNC's acquisition of Mercantile Bankshares Corporation in March 2007. He was Chairman, Chief Executive and President of Mercantile from March 2003 through March 2007 and Chief Executive and President from March 2001 to March 2003. Before Mercantile, Mr. Kelly was at J.P. Morgan Chase & Co. where he was Managing Director and head of Global Financial Institutions and co-head of Investment Banking Client Management. He joined J.P. Morgan in 1994 as its General Counsel and Secretary. In 1996, he became a Managing Director and subsequently ran various parts of J.P. Morgan's investment banking business, including Global Financial Institutions and Latin America. Prior to joining J.P. Morgan, Mr. Kelly was a partner at the law firm of Davis Polk & Wardwell, where he specialized in matters related to financial institutions. Early in his career, Mr. Kelly served as a law clerk to Supreme Court Justice William J. Brennan, Jr. and U.S. Court of Appeals Judge Clement F. Haynsworth, Jr. Prior to law school, he served as a legislative assistant and, later, press secretary to U.S. Senator Richard S. Schweiker. He serves on the Boards of Directors of The Hartford Financial Services Group, CSX Corporation and SIFMA. He also serves on the Boards of Trustees of Johns Hopkins Medicine and the University of Virginia Law School Foundation. In the past, he has served on the Boards of Directors of CIT Group, Axis Capital Holdings, Paris Re Holdings, Constellation Energy, the American Stock Exchange, Johns Hopkins University and The Hershey Company, among others. Mr. Kelly received his bachelor's degree from Princeton University and his J.D. from the University of Virginia School of Law.

John Gerspach is the Controller and Chief Accounting Officer of Citi and a member of the Citi Senior Leadership Committee. Mr. Gerspach has been with Citi since 1990 and has held various CFO and Chief Administrative Officer positions throughout the company. He has experience in both the Global Consumer Group and Citi Markets & Banking and has worked closely with all of the regions including serving as the CFO/CAO of Latin America. Before joining Citi in 1990, Mr. Gerspach was CFO at Penn Central Industry Group. Previous to that he was Comptroller for the Defense Contracting Group at ITT Corporation. His professional career began at Arthur Andersen & Company. Mr. Gerspach earned his degree in Accounting at the University of Notre Dame and is a CPA certified in the State of New York.

Marty Lippert is Citi's Chief Operations and Technology Officer with global responsibility for all Technology Infrastructure, Application Development, Business Operations, Real Estate, Procurement and Shared Services. Marty has a proven 27-year track record of leading successful IT and operations groups, in addition to a wide range of business management experience in financial services. Marty is a member of the Citi Senior Leadership Committee. Prior to joining Citi, Marty was Vice Chairman and Group Head, Global Technology and operations at the Royal Bank of Canada (RBC). As a member of RBC's Group Executive, he was one of 7 executives charged with setting the overall strategic direction of RBC Financial Group. He was responsible for the integration and execution of all Global Technology and Operations functions, supporting all of RBC's products and channels. During his tenure at RBC, Mr. Lippert had responsibility for many of the bank's business divisions including Global Financial Institutions, Cash Management, Payments, Trade Finance, Investor Services and Securities Lending. He served as Chairman and CEO of Royal Trust Corporation which oversaw the trust and investment activities of RBC Financial Group. Mr. Lippert orchestrated the merger of RBC's Institutional Investor Services Division with that of Luxembourg based Dexia BIL. He served as Chairman, RBC Dexia Corporation, and Chaired RBC's Executive Payments Committee. Prior to RBC, Marty spent 16 years at Mellon Bank serving as Executive Vice President for Information Management & Research and Chief Financial Officer of Technology. Marty is also on the Board of Advisors of the IBM corporation.

Richard Evans is Chief Risk Officer for Citi's Institutional Clients Group. Mr. Evans is responsible for managing and tracking the firm's risks across corporate and investment banking, sales and trading, transaction services and alternative investments. He is also responsible for setting strategic risk parameters and managing capital allocation for Citi Institutional Clients Group, as well as ensuring that the firm takes advantage of growth opportunities that meet appropriate risk-return standards. He is a member of Citi's Senior Leadership Committee. Mr. Evans joins Citi from Deutsche Bank AG, where he served most recently as Deputy Chief Risk Officer. That role included running Treasury and Capital Management, Market Risk Management, and Investment Risk Management, including significant involvement in the bank's strategic risk decisions. He was named the "Risk Manager of the Year" in 2004 by Risk Magazine. Before joining Deutsche in 2000, Mr. Evans served in a variety of senior roles at JP Morgan over nearly 20 years, his last role being Vice Chairman of JP Morgan's Risk Management Committee and Global Head of Risk Management. He was a Board Member of Euroclear SA and Euroclear Plc and Chairman of that Board's Risk Committee. He is also a past Chairman and member of the International Financial Risk Institute (IFRI)'s Executive Committee, a not-for-profit association of Chief Risk Officers from the world's major financial institutions. Mr. Evans has an MA in Economics from Gonville and Caius College, Cambridge University.

Suneel Bakhshi is responsible for Credit, Market, and Operational Risk Management for the Global Consumer Group as well as for Citibank, N.A. In the five years before being appointed to Risk in 2008, Suneel has held several senior Banking roles, heading Citi's Global Commercial Bank, the Emerging Markets Corporate Bank, as well as Emerging Markets Local Finance for Citigroup International. Prior to his Banking assignments, over a twenty year international Trading career, Suneel led Sales and Trading for CEEMEA (Central and Eastern Europe, Middle East and Africa), Derivatives Trading for both Citibank and Citigroup in Western Europe, Derivatives for Citibank in Japan, and Risk Treasury for Citibank in the Middle East. Suneel has represented Citibank on the Board of the International Swaps and Derivatives Association as well as on the Derivatives Consultative Committee of the Bank of England. Since 2002 he has continued to serve on the Board of the RamaKrishna Mission Hospital in Haridwar, India, a non-denominational charity hospital. He received an MBA from Queen's University in Canada, and a B.Comm (Honours) degree from Shri Ram College of Commerce, Delhi University, India.

Lisa Caputo assumed her current role as Executive Vice President, Global Marketing and Corporate Affairs in 2008. Prior to that, she was Chief Marketing Officer for Citi and Chief Marketing and Community Relations Officer, Global Consumer Group since 2005. She has been Chairman and CEO of the Women & Co. business since 2000. She is a member of Citi's Senior Leadership Committee. She is also a co-chair of Citi's Women's Initiative. As Citi's Executive Vice President, Global Marketing and Corporate Affairs, Lisa manages the marketing, corporate communications, and community relations strategy for Citi in addition to overseeing the marketing, advertising, branding, consumer insights, media, sponsorships, external and internal communications, media relations, issues management, executive communications, and community relations operations at Citi. Lisa started Women & Co. when she first joined Citi. Women & Co. is a membership program which provides a host of solutions to address the distinct financial needs of women. Previously, Lisa was Senior Managing Director, Business Operations and Planning, Global Consumer Group. In this role, Lisa was Chief of Staff to the CEO and oversaw community relations, public affairs, internal communications, executive communication, and the Office of Financial Education for the Global Consumer Group. Before joining Citi, Lisa held senior executive marketing and communications positions with The Walt Disney Company and The CBS Corporation. At Disney, she oversaw marketing, communications, publicity and cross promotions for Disney Publishing Worldwide, Disney's global publishing subsidiary. At CBS, she was responsible for media relations, program publicity, executive communications and public affairs across the company. Lisa also spent over a decade in the public sector. She served as Deputy Assistant to the President and Press Secretary to First Lady Hillary Rodham Clinton at the White House during President Bill Clinton's first term, where she oversaw the communications and media relations operations for the First Lady and the First Family, and served as chief spokesperson. She held the same job through the 1992 Clinton-Gore campaign and the presidential transition. Prior to that, Lisa ran Al Gore's media operations at the 1992 Democratic National Convention and was the Press Secretary to US Senator Tim Wirth and to US Representative Bob Traxler. She was also the National Issues Press Secretary for the 1988 Dukakis-Bentsen presidential campaign. Lisa is the 2008 AWNY Advertising Woman of the Year and one of Ad Age's 2008 Advertising Women to Watch. She is also the NYWICI Matrix Winner for outstanding achievements in the communications industry as well as the recipient of Direct Marketing International Woman of the Year. Lisa was selected as a Young Global Leader of The World Economic Forum and was named one of "New York's Rising Stars: 40 under 40" by Crains New York Business magazine. She is a board member of WNET Channel 13, The Sesame Workshop, New Visions for Public Schools, The Creative Coalition, and FINCA International. She is also a Co-Chair of the Citi Women's Initiative. Lisa graduated magna cum laude from Brown University and received a Master's degree in Journalism with highest distinction from Northwestern University.

Nicholas E. Calio is Executive Vice President of Citi's Global Government Affairs. He is responsible for the company's government affairs at all levels in the United States, as well as in the other countries in which Citi does business. Mr. Calio is a member of Citi's Senior Leadership Committee. Before joining Citi, Mr. Calio served President George W. Bush as Assistant to the President for Legislative Affairs from January 2001 to January 2003. As the President's principal liaison to Congress, Mr. Calio worked closely with the leadership and members of the United States Senate and House of Representatives and had the primary responsibility for formulating and implementing White House strategy on all legislative issues. He held the same position during the Administration of President George H.W. Bush. The New York Times described him as a "forceful broker…not only between the White House and Congress, but also among Cabinet officials…" and "credit[ed] him with a major role in the biggest White House legislative victories on Capitol Hill, among them the resolution authorizing use of force against Iraq, the creation of the Homeland Security Department, an education bill and a major tax cut." Congressional Quarterly reported that "lawmakers of both parties also say Calio's forceful approach ...helped Bush put together a string of triumphs on Capitol Hill." Prior to joining the current Bush Administration, Mr. Calio was a partner at O'BrienCalio, a law and lobbying firm he co-founded in 1993. A 1998 Fortune magazine survey of Members of Congress, Congressional staff, Administration staff, and Washington lobbyists rated the firm as one of "the ten most powerful" in Washington. Mr. Calio is a graduate of Ohio Wesleyan University and Case Western Reserve University School of Law. He has been active in the last eight presidential campaigns and in Republican Party politics in general. He is a member of the Board of Trustees of Ohio Wesleyan University; the Board of Directors of the Bryce Harlow Foundation; Member of the Nominating Committee of The NASDAQ Stock Market, Inc.; and The First Tee of Washington, D.C.

James C. Cowles is Head of EMEA (Europe, Middle East, Africa) Markets and a Managing Director at Citi. He is also a member of Citi's Senior Leadership Committee. Prior to assuming his current position, Jim was Head of Global Equities Products, following a stint as Head of Equities, EMEA for four years. Previous to that he was Head of Global Equity Capital Markets (new issue product) for seven years. Jim joined Smith Barney in 1979. Prior to joining the Equities Division in 1997, Jim's past positions included: Deputy Head of Investment Banking, Head of Real Estate Investment Banking and Commercial Mortgage Trading, Head of Debt Capital Markets and Head of Direct Investments. He is a member of EMEA's CitiDifference Steering Committee, which provides management leadership and accountability in the development and execution of EMEA's objectives in diversity. Jim graduated Phi Beta Kappa from Denison University in 1977 with a BA in Economics. He graduated with an MBA from The Wharton School, University of Pennsylvania in 1979.

Appointed to the Board in February 2006, Guy Whittaker joined RBS after spending 25 years with Citigroup. He was formerly the Group treasurer based in New York and prior to that had held a number of management positions within the financial markets business based in London.

James A. Forese is the Head of Global Capital Markets for Citi with responsibility for managing the sales, trading, and capital raising activities across Fixed Income, Currencies, Commodities, Equities, and Municipal Securities. Mr. Forese is a member of the Executive Committee of the Firm. He is also a member of Citi?s Senior Leadership and the Management Committee of the Institutional Client Group. He is based in New York. Prior to his current role, Mr. Forese was the Global Head of Equities. Until 2003, Mr. Forese was a Managing Director in the Fixed Income division of the firm. He has held various positions including Global Head of Interest Rate and Derivative products, Head of European Fixed Income and Global Head of Syndicate. Mr. Forese first joined Salomon Brothers in 1985 and was named a Managing Director in 1993. Mr. Forese graduated summa cum laude from Princeton University in 1985 with a Bachelor of Science in Electrical Engineering and Computer Science.

Jane Fraser has been named CEO of Citi's Global Private Bank. She is currently the Global Head of Strategy and Mergers & Acquisitions for Citi and also leads the Re-engineering effort at Citi. Amongst her responsibilities, Jane runs the divestiture program at Citi that created over $9bn in capital last year. Jane sits on Citi's Senior Leadership Committee. Jane joined Citi in 2004 as the Head of Client Strategy for the Global Banking division. Prior to joining Citi, Jane was a Partner at McKinsey & Company where she worked in London and New York for ten years serving clients primarily in the financial services industry. While at McKinsey she authored a number of articles on globalization and co-authored a book on global strategy, Race for the World, published by HBS Press in 1999. She started her career at Goldman Sachs in the Mergers & Acquisition department in London and then worked for Asesores Bursatiles in Madrid, Spain. Jane has an MBA from Harvard Business School and an MA in Economics from Cambridge University. She is a board member of the Touch Foundation in New York, which runs a medical college and hospital, and works to improve the health care system in Tanzania, Africa. Jane is married with two boys and is based in London.

Michael Helfer is the General Counsel and Corporate Secretary of Citi and a member of Citi's Senior Leadership Committee. Prior to joining Citi in 2003, Mr. Helfer was President of Strategic Investments and Chief Strategic Officer at Nationwide Insurance. He had been a Partner and Chairman of the Management Committee of Wilmer, Cutler & Pickering, clerked for Chief Judge David Bazelon (D.C. Cir.), and served as Counsel for the Subcommittee on Constitutional Amendments of the U.S. Senate Judiciary Committee. Mr. Helfer is a member of the Financial Services Roundtable and the American Law Institute, and a Fellow of the American Bar Foundation. A founding member of the Board of Directors of Lawyers for Children America, Mr. Helfer served as President of the Legal Aid Society in Washington, D.C. and is now a member of the Advisory Board of the Legal Aid Society of NY and a member of the Board of Directors for the Lincoln Center Theatre. He received his J.D. from Harvard Law School and a B.A. in Economics from Claremont Men's College.

Raymond McGuire is the Co-Head of Global Investment Banking, based in New York. He has responsibility for managing the coverage of global industries and clients and executing strategic transactions. Mr. McGuire is a member of the Institutional Clients Group Management Committee and the Institutional Clients Group Business Practices Committee. He is also a member of Citi's Senior Leadership Committee. Prior to joining Citi, Mr. McGuire was the Global Co-Head of Mergers & Acquisitions at Morgan Stanley; Managing Director in the Mergers and Acquisitions Group of Merrill Lynch & Co., Inc.; and one of the original members of Wasserstein Perella & Co., Inc. where he became a Partner/Managing Director in 1991. He started his career in 1984 in the Mergers and Acquisitions Group of The First Boston Corporation. Presently, Mr. McGuire serves on several boards including: De La Salle Academy (Chairman of the Board), the International Center of Photography (formerly President of the Board), Lincoln Center (Trustee), New York-Presbyterian Hospital (Trustee), The New York Public Library (Trustee), the Studio Museum in Harlem (Chairman of the Board), the Alex Hillman Family Foundation (Trustee), Whitney Museum of American Art (Vice President and Chairman of the Nominating Committee). He is also a Director of the Wyeth Corporation (Nominating & Governance Committee). In the past, he has served on the boards of the Joseph & Claire Flom Foundation, the Howard Gilman Foundation, the Hotchkiss School, and the San Remo Tenants' Corporation (formerly President of the Board). He has also served on various Visiting Committees at Harvard University, as well as a member of the Overseers/Directors Nominating Committee. In May 2008, he was bestowed the Frederick Douglas Award by the New York Urban League. In April 2008, he was inducted by Morehouse College as one of the inaugural members of the Martin Luther King, Jr. International Board of Renaissance Leaders. In October 2006, he was featured on the cover of Black Enterprise Magazine as one of the most powerful Blacks on Wall Street. He was recognized by Avenue Magazine as on of New York's "50 Smartest". Mr. McGuire has been honored by the Make-A-Wish Foundation and Art for Life Foundation. Pratt Institute honored him as its inaugural distinguished "Patron of the Arts". He has also been honored with Harvard Business School's African-American Student Union's Professional Achievement Award, has presented at Harvard Law School's Traphagen Distinguished Alumni Speaker Series and emceed the first Harvard College Black Alumni Weekend. He received his MBA and JD from Harvard Business School and Harvard Law School (1984), and an AB, cum laude, from Harvard College (1979). He also attended the University of Nice, France while on a Rotary Fellowship (1980). He has had legal experience at the law firms of Skadden, Arps, Slate, Meagher & Flom as well as Patterson, Belknap, Webb & Tyler.

Sanjay Nayar is the CEO and Country Head for Kohlberg Kravis Roberts & Co (KKR) in India. Established in 1976, KKR is a leading global alternative asset manager. The core of the Firm's franchise is sponsoring and managing funds that make private equity investments in North America, Europe, and Asia. Throughout its history, KKR has brought a long-term investment approach to portfolio companies, focussing on working in partnership with management teams and investing for future competitiveness and growth. Additional funds that KKR sponsors include KKR Private Equity Investors, L P (NYSE Euronext Amsterdam: KPE), a permanent capital fund that invests in KKR-identified investments; and two credit strategy funds, KKR Financial (NYSE: KFN) and the KKR Strategic Capital Funds, which make investments in debt transactions. KKR has offices in New York, Menlo Park, San Francisco, Houston, London, Paris, Hong Kong, Beijing, Tokyo and Sydney. Prior to KKR, Nayar was the CEO of Citigroup, India and South Asia, and a member of Citigroup's Asia Executive Operating Committee and Senior Leadership Committee. Nayar is also the Deputy Chairman, Indian Bank's Association (IBA), Chairman of the Foreign Banks' Committee of the IBA, a member of the Board of USIBC, Co-Chairman of the Banking Committee for the Federation of Indian Chambers of Commerce & Industry (FICCI) and Co-Chairman of the Habitat for Humanity India Builds campaign. He has also participated in various financial sector reform committees set up by the Government and domestic regulators. Nayar is an MBA in Finance from the Indian Institute of Management, Ahmedabad and a bachelor in Mechanical Engineering from Delhi University, having previously worked in the UK as a design engineer.

Gary Crittenden took on the newly formed operational role of Chairman of Citi Holdings in March 2009. Mr. Crittenden works with the CEO of Citi Holdings to optimize the value of the businesses in this unit, which represents a significant portion of the assets of Citigroup. He is a member of Citi's Senior Leadership and Executive Committees and is a business sponsor of Citi's Working Parents Network - NYC. Mr. Crittenden joined Citi as Chief Financial Officer in March 2007. He was responsible for the financial management of the company during a challenging environment and successfully reduced expenses, assets and headcount. He also managed Citi's re-engineering efforts as head of Strategy & M&A and Productivity & Re-engineering. Prior to Citi, Mr. Crittenden was Executive Vice President, Chief Financial Officer, and Head of Global Network Services at American Express from 2000 to 2007. Mr. Crittenden has also served as CFO of Monsanto and Sears, Roebuck & Company. Mr. Crittenden began his career in consulting at Bain & Company, an international management consulting firm, working on a range of strategic projects in the U.S. and Europe. Mr. Crittenden graduated with a B.S. from Brigham Young University in 1976 and an M.B.A. from Harvard Business School in 1979.

Chairman Citigroup Inc. • Chairman, Time Warner Inc. —2003 to 2008 • Chief Executive Officer — 2002 to 2007 • Co-Chief Operating Officer — 2001 to 2002 • President— 1995 to 2000 • Director, Time Warner Inc. (or predecessor) — 1991 to present • Chairman and Chief Executive Officer, Dime Savings Bank of New York— 1991 to 1995 • President and Chief Operating Officer — 1988 to 1990 • Associate, Partner and Managing Partner, Patterson, Belknap, Webb & Tyler —1977 to 1988 • General Counsel and Associate Director, Domestic Council, White House —1975 to 1977 • Deputy Counsel to the Vice President, Office of the Vice President of the United States—1975 • Assistant and First Assistant Counsel to the Governor, State of New York— 1971 to 1974 • Chairman, Citigroup —2009 to present • Director of Citigroup (or predecessor) since 1996 • Director of Citibank, N.A. — 1996 to 1998 • Other Directorships: The Estee Lauder Companies Inc. • Other Activities: Apollo Theatre Foundation (Chairman), Museum of Modern Art (Trustee), Howard University (Trustee), American Museum of Natural History (Trustee), New York City Partnership (Director), Smithsonian Institute of African American History and Culture (Co-Chairman of the Advisory Board), and Rockefeller Foundation (Trustee)

Age: 65 Director since: 1998 Alcoa Board Committees: Executive Committee (chair). Principal occupation: Chairman of the Board, since January 2001. Recent business experience: Mr. Belda was Chairman and Chief Executive Officer of Alcoa from January 2001 to May 2008. He was President and Chief Executive Officer of Alcoa from May 1999 to January 2001; President and Chief Operating Officer from 1997 to May 1999; Vice Chairman from 1995 to 1997; and Executive Vice President from 1994 to 1995. From 1979 to 1994, he was President of Alcoa Alumínio S.A in Brazil, Alcoa's Brazilian subsidiary. Other directorships: Citigroup Inc. and International Business Machines Corp.

Andrew N. Liveris is President, Chairman and Chief Executive Officer of The Dow Chemical Company, a $58 billion global chemical, plastics and agrosciences company based in Midland, Michigan. Liveris' 32-year Dow career has spanned manufacturing, engineering, sales, marketing, and business and general management. He has spent the bulk of his career in Asia, where he was general manager for the company's operations in Thailand, and later head of all Asia-Pacific operations. He began his Dow career in 1976 in Australia. He has been a member of Dow's Board of Directors since February 2004 and was elected as Chairman of the Board effective April 1, 2006. Liveris was born in Darwin, Australia and later lived in Brisbane, where he attended the University of Queensland, graduating with a bachelor's degree (first-class honors) in Chemical Engineering. He was awarded an honorary doctorate in science by his alma mater as well as being named Alumnus of the Year for 2005. He is a Chartered Engineer and a Fellow of The Institute of Chemical Engineers. Liveris serves on the board of directors of Citigroup, the world’s leading financial services company. He is chairman of the board of the US-China Business Council; a vice-chair of the US Business Council; a member of the United States Climate Action Partnership; and a past chairman of the American Chemistry Council and the International Council of Chemical Associations. Liveris is also a member of the following organizations: the American Australian Association, the Business Roundtable, the Detroit Economic Club, the National Petroleum Council, and the Société de Chimie Industrielle. Liveris is also a trustee of Tufts University. Liveris resides in Midland, Michigan, where he serves on the Board of Trustees of the Herbert H. and Grace A. Dow Foundation. He and his wife Paula have three children.

Anne M. Mulcahy is chairman of the board and chief executive officer of Xerox Corporation. She was named CEO of Xerox on August 1, 2001, and chairman on Jan. 1, 2002. Mulcahy most recently was president and chief operating officer of Xerox from May 2000 through July 2001. Prior to that, she was president of Xerox’s General Markets Operations, which created and sold products for reseller, dealer and retail channels. She began her Xerox career as a field sales representative in 1976 and assumed increasingly responsible sales and senior management positions. From 1992-1995, Mulcahy was vice president for human resources, responsible for compensation, benefits, human resource strategy, labor relations, management development and employee training. Mulcahy became chief staff officer in 1997 and corporate senior vice president in 1998. Prior to that, she served as vice president and staff officer for Customer Operations, covering South America and Central America, Europe, Asia and Africa. Mulcahy earned a bachelor of arts degree in English/journalism from Marymount College in Tarrytown, N.Y. In addition to the Xerox board, she is a board director of Catalyst, Citigroup Inc., Fuji Xerox Company, Ltd., Target Corporation, The Washington Post Company, and is the chairman of the corporate governance task force of the Business Roundtable.

Former President Federal Reserve Bank of Philadelphia • Senior Advisor, McKinsey & Company— 2006 to 2008 • President, Federal Reserve Bank of Philadelphia —2000 to 2006 • Richard K. Mellon Professor, Finance, The Wharton School at the University of Pennsylvania —1984 to 2002 • Other Directorships: RenaissanceRe Holdings, Ltd., Penn Mutual Life Insurance Company and Columbia Funds • Other Activities: Drexel University (Trustee), Drexel University College of Medicine (Vice Chair and Trustee) and The Mann Center for the Performing Arts (Director)

Array

Eric Aboaf is the Chief Financial Officer for the Institutional Clients Group at Citigroup, Inc. As CFO, he is responsible for the financial functions of Securities and Banking, Transaction Services and Alternative Investments. Eric joined Citi in 2003 to serve as Head of Capital Allocation & Deployment; he oversaw the design and implementation of methodology for quantifying Citi's economic capital requirements. In 2004, he added the responsibility of Head of Financial Planning and Analysis. In that role, he improved budget processes and provided financial and strategic analyses to support all Citi businesses. During 2004 and 2005, he drove Citi's Basel II work with the regulatory community and co-led the first phase of Citi's implementation of that framework. In 2006, Eric became the Deputy CFO for the Global Consumer Group, North America, and took over as CFO in 2007. He became a member of Citi's Management Committee and the Global Consumer Planning Group. Prior to joining Citi, Eric was a partner in Bain & Company's New York office and Co-Head of its U.S. Financial Services Practice. He has more than 14 years of business strategy consulting experience spanning a number of industries, including banking, insurance, asset management and consumer products. Prior to Bain, he worked at Oliver Wyman & Company, a New York-based financial services strategy firm. He has been quoted in Credit Card News, Investment News and M&A Magazine, and has published several articles in The American Banker, The Daily Deal, and Harvard Management Update. Eric is a summa cum laude graduate of the Wharton School of Business at the University of Pennsylvania and holds a Master of Science degree from the Massachusetts Institute of Technology.

Age: 74 Director since: 1977 Alcoa Board Committees: Compensation and Benefits Committee, Executive Committee, Governance and Nominating Committee (chair). Principal occupation: Consultant, The Study Group, a nonprofit institution assisting development in South Africa, since 1996. Advisor to the United Nations Fund for International Partnerships, since 1998. Recent business experience: Mr. Thomas was Chairman, The September 11th Fund, 2001-2006. He was President and Chief Executive Officer of The Ford Foundation from 1979 until 1996. Mr. Thomas was President and Chief Executive Officer of Bedford Stuyvesant Restoration Corporation, a nonprofit community development corporation, from 1967 to 1977. Prior to that he served as Deputy Policy Commissioner for the New York City Police Department and was named Assistant United States Attorney for the Southern District of New York. Other directorships: Citigroup Inc.

Hamid Biglari is currently Chief Operating Officer of the Institutional Client Group of Citigroup, which represents Citigroup's global investment banking and trading business. Institutional Clients Group is a business with more than $1 trillion in assets and operations in 140 countries. Prior to his current role, Dr. Biglari was the Global Head of Investment Banking for Financial Institutions in Citigroup. In this role, he advised chief executives of the world's leading financial institutions in North America, Europe, and Asia on their strategy, mergers and acquisitions, and capital-raising needs. Previous to that, he was Head of Corporate Strategy and a member of the Management Committee at Citigroup, jointly reporting to Messrs. Sanford I. Weill and Robert E. Rubin. In that seat, he worked with the senior management of Citigroup on all major group-wide strategic, corporate governance, organizational structure, and risk management decisions. Prior to joining Citigroup in 2000, Dr. Biglari was a partner at McKinsey & Company, the international management consulting firm, where he co-led the Firm's global financial institutions consulting practice. His experience base spans the entire spectrum of consumer and wholesale financial services. Prior to that, Dr. Biglari was a theoretical research physicist with rank of Associate Professor at Princeton University's Plasma Physics Laboratory, the nation's leading center for controlled thermonuclear fusion research. Dr. Biglari is a member of the Council on Foreign Relations. He is also a member of the Board of Trustees of Trinity School in New York City. Dr. Biglari holds Ph.D. and M.S. degrees in Astrophysical Sciences from Princeton University. Prior to that, he received a B.S. in Applied Physics and a B.A. in Mathematics from Cornell University, both with Distinction.

Chairman Emeritus U.S. Bancorp • Chairman Emeritus, U.S. Bancorp — 2007 to present • Chairman — 2002 to 2007 • Chief Executive Officer — 2001 to 2006 • President— 2001 to 2004 • Chairman, President and Chief Executive Officer, Firstar Corporation and Star Banc Corporation (predecessors to U.S. Bancorp) — 1993 to 2001 • Other Directorships: Ecolab Inc. • Other Activities: Danny Thompson Charitable Foundation (Director)

Derr retired as chairman of the board and chief executive officer of Chevron Corp. after a distinguished career of 40 years with the company. He was elected president of Chevron U.S.A. Inc. on Oct. 1, 1979. He was elected a director of the corporation in 1981 and was elected vice chairman in October 1985. He became chairman and chief executive officer on Jan. 1, 1989. Derr is a director of AT&T, Citigroup, Halliburton Company, Calpine Corporation and the American Productivity & Quality Center. He is a former chairman of the American Petroleum Institute and a Trustee Emeritus of Cornell University. He is a member of the Business Council, the Council on Foreign Relations and the Board of Overseers of the Hoover Institute and currently, co-chairman for the Committee to Encourage Corporate Philanthropy. He served as a member of President Bush's Commission on Environmental Quality, and also was a member of President Clinton's Council on Sustainable Development.

Lewis B Kaden, 66, is the Lead Independent Director of ArcelorMittal. He has approximately 38 years of experience in corporate governance, financial services, dispute resolution and economic policy. He is currently Vice Chairman of Citigroup. Prior to that, he was a partner of the law firm Davis Polk & Wardwell, and served as Counsel to the Governor of New Jersey, as a Professor of Law at Columbia University and as director of Columbia University's Centre for Law and Economic Studies. He has served as a director of Bethlehem Steel Corporation for ten years and is currently Chairman of the Board of Directors of the Markle Foundation. He is a member of the Council on Foreign Relations and has been a moderator of the Business-Labor Dialogue. Mr Kaden is a magna cum laude graduate of Harvard College and of Harvard Law School. He was the John Harvard Scholar at Emmanuel College, Cambridge University. Mr Kaden's principal duties and responsibilities as Lead Independent Director are as follows: Coordination of activities of the other Independent Directors; Liaison between the Chairman and the other Independent Directors; Calling meetings of the Independent Directors when necessary and appropriate; and Such other duties as are assigned from time to time by the Board of Directors.

Mr. Ryan served as Senior Vice President and Chief Financial Officer of Medtronic, Inc., a medical technology company, from 1993 until his retirement in May 2005. He also is a director of UnitedHealth Group Incorporated, General Mills, Inc., The Black and Decker Corporation and Citigroup, Inc.