Eliminating Overdraft Fees for Our Customers’ Financial Wellness Citi recently announced plans to eliminate overdraft fees, returned item fees and overdraft protection transfer fees for U.S. Retail Banking consumers by Summer 2022. This makes Citi the only top-five U.S. bank (based on assets * ) to completely eliminate these fees, and it demonstrates our commitment to expanding access to inclusive banking products and services that can help advance economic progress, especially for underbanked and unbanked populations. For 20 years, we have put measures in place to minimize overdraft fees for our consumers in order to put their financial wellness first. In addition to the upcoming changes, Citi will also continue to offer a robust suite of overdraft protection transfer services for our consumers including: • Overdraft Protection Transfer Services: Citi offers two services that help consumers avoid checking account overdrafts and retutrned items — Safety Check and Checking Plus ® (variable rate) line of credit . The fees associated with these services will also be eliminated. • Access Account Package: Citi’s industry-leading, checkless account package with low or avoidable monthly charges provides consumers with a simple, transparent way to manage their finances and systemically limits point-of-sale, ATM and ACH transactions that could cause negative balances. • Common Sense Protection Measures: Citi will not authorize ATM or point-of-sale debit transactions in cases when funds are not available. • Low Balance Alerts: Consumers can enroll in Low Balance Alerts via their account online or through the Citi Mobile ® App. The elimination of overdraft fees complements many of our firm-wide Action for Racial Equity efforts in the United States that aim to expand banking and credit for communities of color. * https://www.bankrate.com/banking/biggest-banks-in-america/ . CITI’S TREATING CUSTOMERS FAIRLY PRINCIPLES We aim to deliver products and services that provide value, clarity and dependability, guided by the Treating Customers Fairly principles that define the standards for our products and services. These principles include: Works as described: Consumers can predict how products and services will work. Appropriate: Consumers can rely on Citi to offer appropriate products and services that meet their needs. Value: Consumers receive value that is reasonably related to the cost of the products and services. Ease of understanding: Consumers understand the terms and conditions of the products and services (particularly limitations and exclusions). In November 2021, we opened a new branch and Client Center at our global headquarters in New York City. Contents ESGatCiti SustainableFinance SustainableProgress Equitable&ResilientCommunities Talent&DEI RiskManagement&ResponsibleBusiness Appendices CITI 2021 ESG REPORT 123