X0201 42004-01-200 0000831001 CITIGROUP INC C 0001225708 WILLUMSTAD ROBERT B C/O CITIGROUP INC. CORPORATE LAW DEPT. 425 PARK AVENUE 2ND FLOOR NEW YORK NY 10043 1100President and COOCommon Stock2004-01-204A069095.10A1567197.6DCommon Stock8718.1IBy 401(k) PlanEmployee Stock Options (Right to Buy)49.52004-01-204A02000000A2010-01-20Common Stock200000200000DAward of deferred stock under the Issuer's Capital Accumulation Program.Includes 64,320 shares directly beneficially owned by the Reporting Person in his capacity as trustee of a Grantor Retained Annuity Trust.The options are exercisable in three annual installments beginning on July 20, 2005.In total (including the employee stock options reported in Table II, above), the Reporting Person directly beneficially owns 1,626,311 employee stock options representing rights to purchase an equivalent number of shares of common stock, which have various exercise prices, exercise dates and expiration dates.Robert B. Willumstad by Glenn S. Gray, Attorney-in-Fact2004-01-22