EXHIBIT 99.6<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
CITIGROUP INC.
USD 500,000,000 3.875% Notes due December 2008
under the
Euro Medium Term Note Programme
The securities described herein have not been and will not be registered under the U.S. Securities Act of 1933 and may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements.
| 1. | Issuer: | Citigroup Inc. |
| 2. | Specified Currency: | United States Dollars ("USD") |
| 3. | Aggregate Nominal Amount of Series: | USD 500,000,000 |
| 4. | Issue Price: | 101.364% of the Aggregate Nominal Amount |
| 5. | Specified Denominations: | USD 1,000, USD 10,000 and USD 100,000 |
| 6. | Issue Date: | 12 November 2003 |
| 7. | Maturity Date: | 15 December 2008 |
| 8. | Interest Basis: | Fixed Rate |
| 9. | Redemption/Payment Basis: | Redemption at par |
| 10. | Status of the Notes: | Senior |
| 11. | Listing: | Luxembourg Stock Exchange |
PROVISIONS RELATING TO INTEREST PAYABLE |
| 12. | Fixed Rate Note Provisions | Applicable |
| | (i) Rate of Interest: | 3.875% per annum payable annually in arrears |
| | (ii) Interest Payment Dates: | 15 December in each year subject to Following Business Day convention |
| | (iii) Fixed Coupon Amounts: | USD 38.75 per Note of USD 1,000 in Nominal Amount; USD 387.50 per Note of USD 10,000 in Nominal Amount; and USD 3,875.00 per Note of USD 100,000 in Nominal Amount |
| | (iv) Day Count Fraction: | 30/360 |
| | (v) Broken Amounts: | There will be a long initial Interest Period from and including the Issue Date to but excluding the first Interest Payment Date. In respect of the initial Interest Period only, the Fixed Coupon Amounts were: USD 42.30 per Note of USD 1,000 in Nominal Amount; USD 423.02 per Note of USD 10,000 in Nominal Amount and USD 4,230.21 per Note of USD 100,000 in Nominal Amount. |
PROVISIONS RELATING TO REDEMPTION |
| 13. | Final Redemption Amount | Par |
| 14. | Early Redemption Amount | Par, payable upon redemption for taxation reasons or on event of default. |
GENERAL PROVISIONS APPLICABLE TO THE NOTES |
| 15. | Form of Notes: | Bearer Notes |
| 16. | Redenomination, renominalisation and reconventioning provisions: | Not Applicable |
| 17. | Consolidation provisions: | Not Applicable |
DISTRIBUTION |
| 18. | TEFRA: | The D Rules are applicable
|
OPERATIONAL INFORMATION |
| 19. | ISIN Code: | XS0179936231 |
| 20. | Common Code: | 017993623 |
