SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 22, 2004 Citigroup Inc. (Exact name of registrant as specified in its charter) Delaware 1-9924 52-1568099 - -------------- ---------------- -------------- (State or other (Commission (IRS Employer jurisdiction of File Number) Identification No.) incorporation) 399 Park Avenue, New York, New York 10043 (Address of principal executive offices) (Zip Code) (212) 559-1000 (Registrant's telephone number, including area code) CITIGROUP INC. Current Report on Form 8-K Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS. Exhibits: Exhibit No. Description - ----------- ----------- 1.01 Terms Agreement, dated July 22, 2004, among the Company and the underwriters named therein, relating to the offer and sale of the Company's 4.25% Notes due July 29, 2009. 4.01 Form of Note for the Company's 4.25% Notes due July 29, 2009. 2 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: July 29, 2004 CITIGROUP INC. By: /s/ Charles E. Wainhouse -------------------------------------- Charles E. Wainhouse Assistant Treasurer 3