Renewal of Consulting Agreement – Citigroup

[Citi Letterhead] October 28, 2010 Dr. Robert L. Joss Re: Consulting
Agreement Renewal Dear Bob: This letter sets forth our mutual understanding
that the Consulting Agreement dated April 5, 2010, between you and Citigroup
Inc., shall continue in effect on the same terms and conditions from January 1,
2011 through December 31, 2011. If this agreement is acceptable to you, please
sign and return one copy of this letter to me. Citigroup Inc.