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KKK9s" 3 0N0   88 (  85 8  x,!Z ?Rectangle 24pT  Z iVariations in Ramp Up Structure  E33 : 8  x"Z0e0e ?Rectangle 3nxp Z___PPT9d\ FHybrid Ramp-Up / IDA Model High interest on deposits and match on asset purchase Terminated / closed accounts still receive interest subsidy Partial use of original match to finance interest subsidy Flexible Program Design Based on Need and Population Served Flexible eligibility criteria (AMI vs. Federal poverty guidelines) Flexible opening balance and deposit amounts Flexible purchase requirements Extendable savings periods Flexible Incentive Design Interest subsidy only Interest subsidy combined with other incentives Scaling match on 1st deposit only, plus interest subsidy J U U< U U 33U U U U3333<3333  33  33X3333%3333 G@`7 8 BZ?6Slide Number Placeholder 4  l*    B 8 ~5Z?*Footer Placeholder 5   Copyright 2009 Citigroup Inc.  &  H  0޽h ? KKK9sZ 3 0N0   <v (  <5 <  x(Z ?Rectangle 2X|x  Z iRamp Up Pilot Outcomes $ E33 x <  xܞZ0e0e ?Rectangle 3&zr ZNF___PPT9(  V>Pilot Project in 2007 : June 2007  June 2008 42 accounts opened in first 2 months Participants co-enrolled in IDA Program $12,000 in total deposits in first 90 days (average $300 / acct.) $23,970 in total deposits in 180 days (average $600 / acct.) 80% made regular monthly deposits 28% more savings than IDA savers during same time and similar group 9% Attrition rate vs. 26% Attrition for IDA savers Phase 2 in 2008 Tax Season at 1 VITA Site 29 accounts opened at VITA / IDA site Average $500 from tax refund used for opening balance through direct deposit ($300 is opened with stimulus checks) Did not offer to co-enroll in IDA Program, but many are interested $10,427 in total deposits in 90 days (average $417 / acct.) Current total deposits: $29, 610 2 homeownership purchases using savings . Ue U* Ua U U U.33e33*33a33  @`7 < Z?6Slide Number Placeholder 4  l*    B < ~|Z?*Footer Placeholder 5   Copyright 2009 Citigroup Inc.  &  H  0޽h ? KKK9s_3 0N0  @{(  @5 @  xZ ?Rectangle 2X|x  Z i2009 Ramp Up Expansion $ E33 } @  xZ0e0e ?Rectangle 3z r ZNF___PPT9(  [QPhase 3 Expansion 4 new sites at VITA locations + 1 existing site Countywide outreach to 5 communities that now include Boyle Heights, East LA, Pacoima, Koreatown, Pasadena Increased Goal of 175 new accounts opened by June 2009 $500 Opening deposit using Split Tax Refund Next Steps Statewide expansion National Demonstration Project   33 4 33  3333 33433 R@`7 @ Z?6Slide Number Placeholder 4  l*    B @ ~Z?*Footer Placeholder 5   Copyright 2009 Citigroup Inc.  &  H  0޽h ? KKK9sB 30 N0   0D (  D D  x  ?Rectangle 2a<   JEndnotes    D  ~ 0e0e ?Rectangle 3am   d Citi (NYSE: C), the leading global financial services company, has some 200 million customer accounts and does business in more than 100 countries, providing consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Citi s major brand names include Citibank, CitiFinancial, Primerica, Smith Barney, Banamex, and Nikko. Additional information may be found at www.citigroup.com or www.citi.com.3 3 3 @`7 D \ ?6Slide Number Placeholder 4  l*    B D ~ ?*Footer Placeholder 5   Copyright 2009 Citigroup Inc.  &   D ^p gֳgֳ?Text Box 5  Copyright Citigroup 2009. All Rights Reserved Citi and arc design is a registered service mark of Citigroup Inc.B(/& fff& fffC& fff  H  0޽h ? KKK9s80___PPT10.oò0 zr@L (  L L  r0e0eH?Rectangle 2RC    L  ~Į kkH?Rectangle 3 K   R   H  0j ? 330 vn`P(  P P  r0e0eH?Rectangle 2RC   _ P  ~<_kkH?Rectangle 3 K  _ N   H  0j ? 330 vnpT(  T T  r0e0eH?Rectangle 2RC   _ T  ~H_kkH?Rectangle 3 K  _ N   H  0j ? 330 X8(  X X  r0e0eH?Rectangle 2RC   _F X  ~*_kkH?Rectangle 3 K  _ *CSIP Report Outcomes: place-based strategy+ + + H  0j ? 330 \X(  \ \  r0e0eH?Rectangle 2RC   _f \  ~0_kkH?Rectangle 3 K  _ JCiti holds 20% of UW s Accounts (300)& & & H  0j ? 330 YQ`(  ` `  r0e0eH?Rectangle 2RC   _ `  ~PD_kkH?Rectangle 3 KV  _>6___PPT9 Cost effectiveness of having Citi staff at VITA sites has been questioned Current Citi Systems and controls prohibit pregeneration of accounts -  H  0j ? 33 0 }d(  d d  r0e0eH?Rectangle 2RC   _# d  ~8_kkH?Rectangle 3 KV  _>6___PPT9 Ramp Up is considered an IDA account in all respects, but not an AFIA IDA because not qualified asset purchases Pilot program promoted at 4 agency partners (JobStarts, MHDC, MALDEF, PACE) -  H  0j ? 33 0 vnh(  h h  r0e0eH?Rectangle 2RC   _ h  ~`_kkH?Rectangle 3 K  _ N   H  0j ? 33@ 0 l(  l l  r0e0eH?Rectangle 2RC   _ l  ~Xn_kkH?Rectangle 3 K  _ UW trained by Citi on CitiEscrow product UW keeps track of principal and interest in a spreadsheet that calculates interest earned   H  0j ? 33@ 0 p(  p p  r0e0eH?Rectangle 2RC   _ p  ~h|_kkH?Rectangle 3 K  _ UW trained by Citi on CitiEscrow product UW keeps track of principal and interest in a spreadsheet that calculates interest earned   H  0j ? 33 0 YQt(  t t  r0e0eH?Rectangle 2RC   _ t  ~_kkH?Rectangle 3 KV  _>6___PPT9 Cost effectiveness of having Citi staff at VITA sites has been questioned Current Citi Systems and controls prohibit pregeneration of accounts -  H  0j ? 330 YQx(  x x  r0e0eH?Rectangle 2RC   _ x  ~_kkH?Rectangle 3 KV  _>6___PPT9 Cost effectiveness of having Citi staff at VITA sites has been questioned Current Citi Systems and controls prohibit pregeneration of accounts -  H  0j ? 330 YQ|(  | |  r0e0eH?Rectangle 2RC   _ |  ~؍_kkH?Rectangle 3 KV  _>6___PPT9 Cost effectiveness of having Citi staff at VITA sites has been questioned Current Citi Systems and controls prohibit pregeneration of accounts -  H  0j ? 33rR< [wotF"0Gwnz8d"jS# !1Oh+'0 `h  PP_Presentation_silverCiti.pptciti-coallevy112@Pjd@L@p(RWo@@eΆ՜.+,D՜.+,L    On-screen Show1 ' Arial Arial Black WingdingsAvantGarde Md BTTimes New Romanciti-co 1_citi-co 2_citi-co4 Asset-Building Strategies: Ramp Up Account Program!Citis Role in Community Impact Need a Continuum of Services1Examples of Citi Partnering with United Way (UW)*Saving for the American Dream IDA Program*Addressing Challenges of Savings Programs!Ramp-Up Savings Account Features)Ramp Up Account Incentives at VITA SitesProduct Comparison!Product Comparison continued Variations in Ramp Up StructureRamp Up Pilot Outcomes 2009 Ramp Up Expansion Endnotes  Fonts UsedDesign Template Slide TitlesT P %1= ContentTypeURL xd_Signature TemplateUrl xd_ProgID_SharedFileIndexInformation Security Document Internal_%allevyallevy  !"#$%&'()*+,-./013456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !#$%&'()+,-./018Root EntrydO)PicturesXcCurrent User*SummaryInformation(PowerPoint Document(2IDocumentSummaryInformation8"Root EntrydO)ЖYo؆<@PicturesXcCurrent User5SummaryInformation(      !#$%&'()8_%mbarhammbarham