Affordable Housing Citi finances affordable and workforce housing in low- and moderate-income urban and suburban areas in an effort to ease the affordable housing crisis in the United States. We offer a range of housing finance solutions, including construction lending, tax credit equity and permanent financing through our balance sheet. Citi Community Capital, the bank unit through which we finance all types of affordable housing and community devel - opment projects, reported approximately $5.64 billion of lending to finance afford - able rental housing projects in 2021. In fact, for 12 consecutive years, Citi has been the No. 1 affordable housing lender in the United States, as published by Affordable Housing F inance . At Citi, being a leader in the affordable housing industry does not just mean making debt and equity capital available to expand the U.S. affordable housing supply; it also means being an innovator and market leader. Over the past several years we have worked with our clients to find new ways to lower the cost of building housing a nd i ncrease t he su pply o f h ousing for our most vulnerable populations. For example, Citi was among the first banks to provide construction loans to projects using modular, or factory-built, housing. In 2021, we provided $19.6 million in total financing for Oatsie’s Place, a new modular housing project in Los Angeles, where 45 of 46 apartments are designated for homeless women. In an effort to promote long-term housing stability, eligible resi - dents are provided with additional services to support their transitions from homeless - ness to permanent housing. Citi also recently provided a $3.89 million forward commitment for the permanent financing of Hayu Tilixam, a 50-unit apartment complex set to be built in Portland, Oregon. Through a partnership with Community Development Partners and the Native American Youth and Family Center, Hayu Tilixam will provide a welcoming and culturally sensitive home for Indigenous families and youth. All units will be reserved for residents with incomes between 30% to 50% of the area median income, and eight units will be reserved for formerly homeless residents. Residents will have access to support services, including housing stability support, culturally-specific medical, dental and behavioral health services, homeownership coaching and more. Our efforts around affordable housing are consistent with our pledge to align commu - nity engagement with SDG target 11.1 , which includes providing access for all to adequate, safe and affordable housing and basic services . SDG Goal 11: Sustainable Cities and Communities Initial rendering of the Hayu Tilixam development in Portland, Oregon. Named #1 Affordable Housing Lender in the United States by Affordable Housing Finance for the 12th Consecutive Year Contents ESGatCiti SustainableFinance SustainableProgress Equitable&ResilientCommunities Talent&DEI RiskManagement&ResponsibleBusiness Appendices CITI 2021 ESG REPORT 75