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Steven J. Freiberg, age 49, is Chairman and CEO of Citigroup's Global Consumer Group N.A. and Co-Chair of the Global Consumer Group. Mr. Freiberg has been a member of the U.S. region board of MasterCard since January 2001 and served as Chairman of MasterCard's U.S. region board since 2004. Prior to his appointment as Co-Chairman of the Global Consumer Group in 2005, Mr. Freiberg served as Chairman and CEO of Citi Cards from 2001-2005. Prior to that, Mr. Freiberg held positions of increasing seniority with Citigroup's predecessor companies and affiliates since joining Citigroup's Card Products Division in 1980. He is a member of Citigroup's Operating and Management Committees. Additionally, he serves or has served on the board of directors of several of Citigroup's affiliates including, Citibank N.A., Citicorp Credit Services Inc., Citicorp Investment Services, Citicorp Insurance Group, Citibank Trust N.A., Citibank FSB and the Citigroup Foundation. Mr. Freiberg also serves on the board(s) of directors of Direct Marketing Association, Upromise and the Financial Services Roundtable. | 