Social Finance Transactions The following are examples of social finance transactions from 2021 that demonstrate our efforts to drive positive social impact in underserved communities around the world. Other examples can be found in the Sustainable Finance section . In Sub-Saharan Africa, more than 50 million families earn a living from small farms, which produce 80% of the continent’s food. But harvests still lag far behind the rest of the world. The nonprofit One Acre Fund supplies smallholder farmers with everything they need to grow more food and earn more money, with the primary goal of enhancing food security. In partnership with the U.S. International Development Finance Corporation (DFC), Citi structured a $10 million flexible working capital solution for One Acre Fund in Kenya and an additional $5 million working capital facility for the other seven African countries where One Acre Fund operates. Since 2015, farmers who participate in One Acre Fund’s programs earn on average nearly 50% more than peer farmers who are not on One Acre Fund-supported activities. EXPANDING ACCESS TO LOANS IN B ANGLADESH Basic Unit for Resources and Opportunities of Bangladesh (BURO Bangladesh) is a leading microfinance institution that offers high-quality loans, savings and insurance to small businesses, smallholder farmers and women. BURO Bangladesh currently serves more than 2.2 million low-income women, with average loans of approximately $850. In 2021, Citi was the sole arranger of $68 million in in equivalent local currency, which is expected to give 85,000 people — 80% of them women — access to finance. ENHANCING FOOD SECURITY FOR SMALLHOLDER FARMERS Contents ESGatCiti SustainableFinance SustainableProgress Equitable&ResilientCommunities Talent&DEI RiskManagement&ResponsibleBusiness Appendices CITI 2021 ESG REPORT 64