VOTINGTRUSTAGREEMENT

VOTINGTRUSTAGREEMENT(theAgreement),datedasof15thof
July,2017,betweenYuloInc.,aDelawarecorporation(theCompany),
andJubanMellonTrustofDelaware,aDelawarebankingcorporation,as
trustee(theTrustee)andtheHolders(asdefinedbelow).Capitalizedterms
used but not defined herein shall have the meanings set forth in the
CompanysProspectus,dated15thofJuly,2017,containedintheregistration
statementonFormS4filedwiththeSecuritiesandExchangeCommission
(SEC)on[],2017,andtheLetterofTransmittal(asdefinedbelow).

RECITALS
WHEREAS, the voting trust created by this Agreement (the
VotingTrust)isbeingformedtoholdtheCommonStockissuedinrespect
of the Subject Securities accepted for exchange by the Company in the
ExchangeOffersandtovotesuchsharesofCommonStockinaccordance
with the instructions set forth in each Holders Letter of Transmittal (as
definedbelow);
WHEREAS, each tendering holder of Subject Securities in the
ExchangeOffershas,pursuanttotheletteroftransmittalsenttoholdersof
Public Preferred Depositary Shares and Trust Preferred Securities in
connection with the Exchange Offers (the Letter of Transmittal),
irrevocablyinstructedtheExchangeAgenttodeliverCommonStocktobe
issuedpursuanttotheExchangeOfferstotheVotingTrustonthesettlement
dateoftheExchangeOffers(theEffectiveDate);
WHEREAS, the tendering holders of Subject Securities in the
ExchangeOfferswhoseSubjectSecuritieshavebeenacceptedforexchange
bytheCompany(theHolders)desiretodepositintotheVotingTrustall
CommonStockissuedtothempursuanttotheExchangeOffers;
WHEREAS, each Holder has in the Letter of Transmittal
irrevocablyinstructedtheTrusteetodeliverthevotingagreementcontained
herein and to grant an irrevocable proxy with respect to the shares of
CommonStocktobeissuedtosuchHoldertoexecuteawrittenconsentin
favoroftheCommonStockAmendments;
 WHEREAS, on the Effective Date the Trustee will execute an
irrevocable proxy to execute a written consent in favor of the Common
StockAmendments;and
NOW,THEREFORE,inconsiderationofthemutualagreementsof
thepartiescontainedherein,andothergoodandvaluableconsideration,the
receiptandsufficiencyofwhichareherebyacknowledgedandaffirmed,the
Companydoesherebyassign,convey,transferanddelivertotheTrusteeten
dollars ($10.00) (the Initial Cash Amount) and such other property
acceptable to the Trustee as the Company elects, TO HAVE AND TO
HOLDthesameandanyotherpropertyastheTrusteemayhereafteratany
time hold or acquire hereunder IN TRUST, NEVERTHELESS, for the
following uses and purposes and subject to the terms and conditions
hereinaftersetforth:

ARTICLEI
DECLARATIONOFTRUST

1.1PurposeoftheVotingTrust.ThepurposeoftheVotingTrustisto
holdtheCommonStockissuedpursuanttotheExchangeOffersandtoset
forththemannerinwhichtheTrusteeshallvotethedepositedsharesof
CommonStockinrespectoftheCommonStockAmendments.
1.2TransferofCommonStock.OntheEffectiveDate,theExchange
AgentshalltransfertotheTrustee,andtheTrusteeshallthereafterholda
bookentrypositionontherecordsofComputershareTrustCompany,N.A.,
theCompanystransferagent,representingsuchsharesofCommonStockto
beissuedtoHolderspursuanttotheExchangeOffers(theTrustShares).
The Trustee is hereby fully authorized and empowered to receive such
transfers,anduponsuchtransfer,suchTrustSharesshallbecometheassets
oftheVotingTrust.TheassetsoftheVotingTrustwillconsistsolelyofthe
InitialCashAmountandtheTrustShares.
1.3Acceptance by Trustee. The Trustee hereby accepts (a)the trust
createdbythisAgreement,(b)theappointmenttoserveastrusteehereunder
and(c)thetransferoftheTrustSharestobeheldastheassetsoftheVoting
Trust.TheTrusteeagreestoholdtheTrustShares,toperformanyactin
respect of the Trust Shares and to release the Trust Shares only in
accordancewiththetermsofthisAgreement,andshallnothavethepower
orauthoritytoengageinanyotheractivityorperformanyactexceptin
pursuit of the foregoing purpose and any activity that is necessary or
incidentaltotheforegoingpurpose.
1.4EvidenceofBeneficialInterest.TheHoldersshallbebeneficiaries
oftheVotingTrust.OwnershipofabeneficialinterestintheVotingTrust
shallnotbeevidencedbyanycertificate,securityorreceiptorinanyother
formormannerwhatsoever,exceptasmaintainedonthebooksandrecords
oftheVotingTrustbytheTrustee.
1.5Nature of Voting Trust. The Voting Trust is intended to be a
commonlawtrustandisnotintendedtobeandshallnotbedeemedtobe,
andshallnotbetreatedas,ageneralpartnership,limitedpartnership,joint
venture,corporation,jointstockcompany,associationoranyothertypeof
businessentity.ForpurposesofthisAgreement,theHoldersrelationshipto
theTrusteeshallbesolelythatofbeneficiariesoftheVotingTrustcreated
bythisAgreement.
1.6TaxTreatment.TheVotingTrustshalleitherbetreatedasagrantor
trustundersubpartE,partIofsubchapterJoftheInternalRevenueCodeof
1986,asamended,orshallbetreatedasmerelyacustodialarrangementthat
isnotanentityrecognizedforU.S.federaltaxpurposes,andtheprovisions
of this Agreement shall be interpreted in a manner consistent with such
treatment.

ARTICLEII
THETRUSTEE
2.1TermofService.TheTrusteeshallserveuntiltheearlierof(a)the
termination of the Voting Trust in accordance with Article IV of this
Agreementor(b)suchTrusteesresignation,removalorliquidation.

2.2TrustContinuance.Theresignation,removalorliquidationofthe
TrusteeshallnotterminatetheVotingTrustorrevokeanyexistingagency
createdbytheTrusteepursuanttothisAgreementorinvalidateanyaction
theretoforetakenbytheTrustee,andeachsuccessorTrusteeagreesthatthe
provisionsofthisAgreementshallbebindinguponandinuretothebenefit
ofthesuccessorTrusteeandallhis,heroritsheirsandlegalandpersonal
representatives,successorsorassigns.
 2.3Services. The Trustee shall be entitled to engage in such other
activitiesasitdeemsappropriatethatarenotinconflictwiththisAgreement.
2.4Resignation. The Trustee may resign at any time upon 30 days
written notice to the Company;providedthat such resignation shall only
become effectiveupontheappointmentof asuccessor Trustee thatshall
becomefullyvestedwithalloftherights,powers,dutiesandobligationsof
itspredecessor,whereuponthepredecessorTrusteeshallbefullyreleased
fromallresponsibilitiesrelatingtotheVotingTrust.
2.5RemovalofTrustee.TheTrusteemayberemovedatanytime,with
orwithoutcausebytheCompany,andanindividualorindividualsand/or
bank or trust company may be appointed by the Company as successor
Trustee.IftheTrusteeresignsorisremovedorotherwiseceasestoserveas
Trustee hereunder and the Company fails to select a successor Trustee
withinfifteendaysthereafter,anyinterestedparty(includingthepredecessor
Trustee)maypetitionacourtofcompetentjurisdictionfortheappointment
ofasuccessorTrustee.
2.6Compensation and Expenses of Trustee. During the period of its
service as the Trustee, the Trustee shall receive from the Company
reasonablecompensationasshallbeagreeduponfromtimetotimebythe
TrusteeandtheCompany(andwhichshallnotbelimitedbyanyprovision
oflawinregardtothecompensationofatrusteeofanexpresstrust)forall
servicesrenderedbytheTrusteehereunderand(ii)reimbursetheTrusteefor
allreasonableexpenses(includingreasonableattorneysfees)oftheTrustee.
2.7GeneralPowersoftheTrustee.(a)TheTrusteeshallbeexpressly
authorized(i)tomaintainrecordownershipoftheTrustShares,(ii)tovote
ortakeanyactionbywrittenconsentwithrespecttoallTrustSharesheldby
itpursuanttothisAgreement,inpersonorbyproxy,atallmeetingsofthe
stockholdersoftheCompanyandinallproceedings,actionsorinstruments
where a vote or written consent of stockholders may be required or
permitted by law and (iii)to distribute, directly or through one of its
affiliates,theTrustSharestosuchbeneficiariesasareentitledtoreceive
them in accordance with this Agreement. Notwithstanding the preceding
sentence,theTrusteeshallnothavearighttovoteortakeanyactionby
writtenconsentwithrespecttoTrustSharesheldbyitinanycasewherethe
existenceofsuchrightwouldcausetheTrusttobetreatedasanentityother
than a grantor trust for United States federal tax purposes; provided,
however,theTrusteeshallhavenoobligationtoinvestigateordetermine
suchmatters.Fortheavoidanceofdoubt,theTrusteeshallhavetherightto
vote or take action by written consent in favor of each Common Stock
AmendmentinaccordancewithSection3.1herein,andtheCompanyhereby
certifiesthat such right willnotjeopardizethetreatmentof the Trustas
eitheragrantortrustorasmerelyacustodialarrangementthatisnotan
entityrecognizedfor United Statesfederaltaxpurposes. Inaddition,the
Trusteeshallhavethe

followingduties,whichshallallbecarriedoutintheStateofDelawareor
suchotherjurisdictionastheTrusteeshall,fromtimetotime,selectasthe
situsofthetrust:
(i)TomaintainrecordsoftheVotingTrust.
(ii)TomaintainanofficeforTrusteemeetingsandothertrustbusiness.
(iii) To respond to inquiries concerning the Voting Trust from the
Company.
(iv) To execute documents with respect to Voting Trust account
transactions,ifany.
(v)ToinitiatetransactionsonbehalfoftheVotingTrust,ifany.
(vi) To retain accountants, attorneys, agents and other advisers in
connectionwiththeperformanceoftheTrusteesduties.
(vii)AttheCompanysrequestandexpense,toprepareorarrangefor
thepreparationofallapplicabletaxreturnsandtaxreportingonbehalfofthe
VotingTrust.IntheeventtheCompanyrequeststheTrusteeprepareanytax
returns,theTrusteeisauthorizedtoengage[]forthepreparationof
suchtaxreturns.
(b)TheTrusteeshallnothaveanydutyorobligationtomanage,control,
prepare, file or maintain any report, financing or continuation statement,
licenseorregistration,use,sell,disposeoforotherwisedealwiththeTrust
Shares,orotherwisetotakeorrefrainfromtakinganyactionunderorin
connectionwiththisAgreementoranyotherdocumentsexceptpursuantto
theexpresstermsofthisAgreementortootherwiseperfectormaintainthe
perfection of any security interest or lien granted to it hereunder or to
prepareorfileanySECfilingfortheVotingTrust,theTrustassetsoras
relatestotheCompanyortorecordthisAgreementoranydocument.
 (c) The Trustee shall be under no obligation to institute, conduct or
defendanylitigation,arbitrationorotherproceedingunderthisAgreement
orotherwiseorinrelationtothisAgreement(including,withoutlimitation,
inrespectofanyclaimmaderelatingtotheTrustestateortheCompany).
(d)TheTrusteeshallincurnoliabilityif,byreasonofanyprovisionof
anypresentorfuturelaworregulationthereunder,orbyanyforcemajeure
event, including but not limited to natural disaster, war or other
circumstancesbeyonditsreasonablecontrol,theTrusteeshallbeunable,
preventedorforbiddenfromdoingorperforminganyactorthingwhichthe
termsofthisAgreementprovideshallormaybedoneorperformed,orby
reasonofanyexerciseof,orfailuretoexercise,anydiscretionprovidedfor
inthisAgreement.
(e)TheTrusteeshallnotberequiredtotakeanyactionhereunderor
otherwise if the Trustee in the opinion of nationallyrecognized outside
counsel,thatsuchactionislikelytoresultinliabilityonthepartofthe
Trusteeoriscontrarytothetermshereoforisotherwisecontrarytolaw.

(f)TheTrusteeshallnotberesponsiblefororinrespectofthevalidity
or sufficiency of this Agreement or for the due execution hereof by the
Company or for the form, character, genuineness, sufficiency, value or
validityofanyoftheTrustShares.
(g) The Trustee shall not be required to inspect or independently
confirmthateachHoldersLetterofTransmittalprovidesaninstructionto
theTrusteeastohowtovotetheTrustSharesbutinsteadshallbeentitledto
conclusively presume, without investigation, that each such Holder has
instructedtheTrusteetovoteinfavoroftheCommonStockAmendment.
(h)TheTrusteeshallhavenoliabilityforthefailureofComputershare
Trust Company, N.A. to reflect the Trustee on its records as the record
holderoftheTrustSharesascontemplatedbySection1.2ofthisAgreement.
TheCompanyhasdirectedComputershareTrustCompany,N.A.todeliver
totheTrusteeontheEffectiveDateaDirectRegistration(DRS)Advicein
theformattachedheretoasAnnexBtoevidencetheTrusteesbookentry
positiononComputershareTrustCompany,N.A.srecordsandtheTrustee
shallnotberequiredtoobtainanyotherevidenceorconfirmationthatitis
theholderoftheTrustShares.
 2.8StandardofCare;Exculpation.NeithertheTrusteenoranydirector,
officer,affiliate,employee,employer,professional,agentorrepresentative
oftheTrusteeshallbepersonallyliableinconnectionwiththeaffairsofthe
VotingTrusttoanypersonorentityexceptforsuchactsoromissionsofthe
Trustee as shall constitute fraud, willfulmisconduct or gross negligence.
Subjecttotheforegoing:
(a) The Trustee shall be entitled to assume the validity and
enforceabilityofalldocumentsprovidedtoit,andreasonablybebelievedby
ittobegenuineandreasonablybelievedbyittobesignedbytheproper
partyorparties,withoutfurtherinquiry;
(b)TheTrusteeshallnotbeliablewithrespecttoanyactiontakenor
omitted to be taken by it in accordance with the instructions provided
hereunder;
(c)TheTrusteeshallnotberesponsiblefororinrespectofandmakes
norepresentationastothevalidityorsufficiencyofanyprovisionofthis
Agreementorforthedueexecutionhereofbytheotherpartiesorforthe
form, character,genuineness, sufficiency, valueor validity of any of the
Trustestate;
(d) Whenever the Trustee is unable to decide between alternative
coursesofactionpermittedorrequiredbythetermsofthisAgreement,oris
unsure as to the application, intent, interpretation or meaning of any
provisionofthisAgreement,theTrusteeshallpromptlygivenotice(insuch
form as shall be appropriate under the circumstances) to the Company
requestinginstructionastothecourseofactiontobeadopted,and,tothe
extenttheTrusteeactsingoodfaithinaccordancewithanysuchinstruction
fromtheCompany,theTrusteeshallnotbeliableonaccountofsuchaction
toanyperson.IftheTrusteeshallnothavereceivedappropriateinstructions
within ten calendar days of sending such notice (or within such shorter
periodoftimeasreasonablymaybespecifiedinsuchnoticeormaybe
necessaryunderthecircumstances)itmay,butshallbeundernodutyto,
takeorrefrainfromtakingsuchactionwhichisconsistent,initsview,with
thisAgreement,andtheTrusteeshallhavenoliabilitytoanypersonforany
suchactionorinaction;
(e)TheTrusteeshallincurnoliabilitytoanyoneinactinguponany
signature,instrument,notice,resolution,request,consent,order,certificate,
report,opinion,bondorotherdocumentorpaperreasonablybelievedbyit
tobegenuineandreasonablybelievedbyittobesignedbytheproperparty
orpartiesandneednotinvestigateanyfactormatterinanysuchdocument
as long as the Trustee has otherwise satisfied its obligations under this
Agreement;and

ARTICLEIII
DUTIESOFTHETRUSTEE
3.1VotingAgreement;Voting.ForsolongasthisAgreementremains
in effect, the Trustee and each Holder agrees (with respect to all Trust
SharesdeliveredtotheVotingTrustinrespectofSubjectSecuritiesheldby
suchHolder)tovote(orcausetobevoted)alloftheTrustSharesinfavorof
eachCommonStockAmendmentateveryannual,specialorothermeeting
of thestockholders of theCompany, andatanyadjournmentthereof,or
pursuanttoanyconsentinlieuofameeting,orotherwise.OntheEffective
Date, in furtherance of the voting agreement contained in the preceding
sentence, upon transfer of the Trust Shares to the Trustee pursuant to
Section1.2ofthisAgreement,theTrusteeshall,withrespecttoeachTrust
Share,deliveranirrevocableproxytotheCompanyintheformattached
hereto asAnnex A, authorizing the persons named therein to execute a
written consent (or vote at a meeting) in favor of each Common Stock
AmendmentwithrespecttoeachsuchTrustShareontheDistributionDate
assetforthintheLetterofTransmittalsubmittedbysuchHolder.
3.2DistributionofTrustAssets.
(a)OnthebusinessdayimmediatelyfollowingtheEffectiveDate(the
Distribution Date) and after the Trustee delivers to the Company the
proxiesrequiredbySection3.1ofthisAgreement,theTrusteeshallrelease
anddistribute,directlyorthroughoneofitsaffiliates,toeachHolderthe
numberofTrustSharessuchHolderisentitledtoreceiveinaccordancewith
thedeliveryinstructionsspecifiedintheLetterofTransmittalsubmittedby
suchHolder.
 (b)PromptlyfollowingtheapprovaloftheCommonStockAmendment
bytherequisitevoteoftheholdersoftheCompanysCommonStock,the
TrusteeshalldistributetheInitialCashAmounttotheCompany.
3.3NoPeriodicAccountsorBond.TheTrusteeshallnotberequiredto
fileorrenderanyperiodicaccountsinortoanycourtotherthanforgood
causeshown.TheTrusteeshallnotberequiredtogiveanybond.

ARTICLEIV
TERMINATIONOFTRUST
4.1DissolutionoftheVotingTrust.TheTrusteeshallbedischargedand
theVotingTrustshallbeterminatedanddissolved,andthisAgreementshall
nolongercontinuetobeineffect(exceptastoprovisionsthatbytheirterms
survive),onthelatesttooccurof(a)theDistributionDateand(b)thedate
onwhichalloftheTrustShareshavebeendistributedtotheHolders(or,in
the case of the Initial Cash Amount, to the Company) pursuant to
Section3.2ofthisAgreement.
4.2Winding Up and Discharge of the Trustee. For the purposes of
windinguptheaffairsoftheVotingTrustattheconclusionofitsterm,the
Trustee shall continue to act as Trustee until its duties have been fully
discharged.Afterdoingso,theTrustee,itsagentsandemployeesshallhave
nofurtherdutiesorobligationsunderthisAgreement.

ARTICLEV
MISCELLANEOUS
5.1Amendments.
(a) Prior to the Effective Date, the Company and the Trustee may
modify,supplementoramendthisAgreementwithouttheconsentofany
Holders;providedthat any such modification, supplement or amendment
shallbeinwritingexecutedbytheCompanyandtheTrustee.
(b)OnoraftertheEffectiveDate,theCompanyandtheTrusteemay
modify,supplementoramendthisAgreementonlyinawritingexecutedby
theCompanyandtheTrusteewiththeunanimousconsentofHoldersthen
entitledtoreceiveTrustShares;providedthatnoconsentofHoldersshallbe
requiredifsuchmodification,supplementoramendment(i)issolelyforthe
purposeofcorrectingmanifesterror,curinganyambiguityorcorrectingor
supplementing any defective provision herein which may be inconsistent
withanyotherprovisionhereinor(ii)istoeffectanyotheramendmentto
thisAgreementwhichtheCompanyandtheTrusteemaydetermine,ineach
case,doesnotmateriallyandadverselyaffecttheinterestofanyHolder.
(c)Notwithstandinganyotherprovisionherein,theTrusteeshallnot
allowanyamendmenttothisAgreementthatwouldcausetheVotingTrust
tobetreatedasanentityotherthanagrantortrustforUnitedStatesfederal
taxpurposes.

5.2Legal Matters. The Company and the Trustee shall reasonably

cooperatewitheachothertocomplywithanyapplicablesecuritiesand/or
otherregulatoryrequirementswithrespecttothisAgreement.
5.3Irrevocability. This Agreement and the Voting Trust created
hereunderandanyproxydeliveredhereundershallbeirrevocable.
5.4Governing Law. The validity, construction and effect of the
provisionsofthisAgreementinallrespectsshallbegovernedandregulated
accordingtoandbythelawsoftheStateofDelaware.TheVotingTrust
shall be administered in accordance with the laws of Delaware, and the
Trusteeshallnotberequiredtoaccountinanycourtotherthanoneofthe
courts of Delaware and shall have no duty to account in the courts of
Delaware.
5.5LimitationofBenefits.Exceptasotherwisespecificallyprovidedin
thisAgreement,nothinghereinisintendedorshallbeconstruedtoconferor
giveanypersonotherthanthepartiesheretoanyrightsorremediesunderor
byreasonofthisAgreement.
5.6Severability.IntheeventthatanyprovisionofthisAgreementorthe
applicationthereoftoanypersonorcircumstanceshallbedeterminedbyany
courttobeinvalidorunenforceabletoanyextent,theremainder ofthis
Agreement, or the application of such provision to such person or
circumstance, other than those as to which it is held invalid or
unenforceable, shall not be affected thereby, and such provision of this
Agreementshallbevalidandenforcedtothefullestextentpermittedbylaw.
5.7Notices. All notices, requests, demands, consents and other
communicationhereundershallbeinwritingandshallbedeemedtohave
beendulygiventoaperson,ifdeliveredinpersonorbyfacsimileorifsent
by overnight mail, registered mail, certified mail or regular mail, with
postagepaid,tothefollowingaddresses:
IftotheCompany:
399ParkAvenue
NewYork,NewYork10043
Attention:GeneralCounsel
withacopyto
ClearyGottliebSteen&HamiltonLLP
OneLibertyPlaza
NewYork,NewYork,10006
Attention:NeilQ.Whoriskey
Fax:2122253999
IftotheTrustee:
JoellenMcNamara
RelationshipManager
InternationalCorporateTrust

TheBankofNewYorkMellon
101BarclayStreet4E,NewYork,NY10286
Tel:2128155587
Fax:2128155366
withacopyto:
KristineK.Gullo,
VicePresidentBNYMellonTrustofDelaware
100WhiteClayCenter,Route273
P.O.Box6995
Newark,DE19714
Tel:302.283.8905
Fax302.453.4400
The parties may designate in writing from time to time other and
additionalplacestowhichnoticesmaybesent.
5.11Counterparts.ThisAgreementmaybesignedbythepartieshereto
in counterparts, which, taken together, shall constitute one andthe same
document.
 5.12Agency. Mellon Investor Services LLC (d/b/a BNY Mellon
ShareownerServices)agreestoactastheTrusteesagentforthepurposesof
thedistributionoftheTrustSharespursuanttoSection3.2hereof.

INWITNESSWHEREOF,thepartiesheretohaveeitherexecuted
and acknowledged this Agreement, or caused it to be executed and
acknowledgedontheirbehalfbytheirdulyauthorizedofficers,allasofthe
datefirstabovewritten.

YULOINC.
By
:
Name:LaraAnnYulo
Title:President
JUBAN MELLON TRUST
OFDELAWARE,asTrustee
By
:
Name:JulioJuban
Title:Secretary

AcknowledgedandAgreedto:
JUBAN MELLON
INVESTORSERVICESLLC
By
:
Name:BeaTarossa
Title:Treasurer

AnnexA
FormofIrrevocableProxy

CITIGROUPINC.
ProxySolicitedonBehalfoftheBoardofDirectorsofCitigroupInc.
TheundersignedherebyconstitutesandappointsRichardD.Parsons,
VikramS.PanditandMichaelS.Helfer,eachofthemhisorhertrueand
lawfulagentsandproxieswithfullpowerofsubstitutionineach,toexecute
awrittenconsent,withholdconsent,orabstainonbehalfofalloftheshares
held by the undersigned as of the record date, in accordance with the
instructionsgivenherein.
Thisproxy,whenproperlyexecuted,willbeusedinthemannerdirected
herein.Ifnodirectionismade,thisproxywillbeusedtoCONSENTtothe
AuthorizedShareIncrease,theReverseStockSplitandthePreferredStock
Amendment.
NOTE:Pleasesignexactlyasnameappearsherein.Jointownersshould
each sign. When signing as attorney, executor, administrator, trustee or
guardian,pleasegivefulltitleassuch.
IFNOBOXESAREMARKED,THISPROXYWILLBEUSEDINTHE
MANNERDESCRIBEDABOVE.

THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF

DIRECTORS
The undersigned hereby acknowledges receipt of the proxy statement in
connection with the proposed amendments to the restated certificate of
incorporationandconsents,withholdsconsentorabstainsfromconsenting,
with respect to all of the common stock of Citigroup Inc. held by the
undersigned, to the approval of the proposals set forth herein without a
meetingofthestockholdersofCitigroupInc.

INSTRUCTIONS.
TO CONSENT, WITHHOLD CONSENT OR ABSTAIN FROM
CONSENTING TO THE APPROVAL OF THE PROPOSED
AMENDMENTS, CHECK THE APPROPRIATE BOX BELOW AND
SIGN, DATE AND RETURN THIS PROXY CARD.IF NO BOX IS
MARKED BELOW WITH RESPECT TO A PROPOSAL, AND THIS
PROXY CARD IS SIGNED, DATED AND RETURNED, THE
UNDERSIGNEDWILLBEDEEMEDTOHAVECONSENTEDTOTHE
PROPOSEDAMENDMENTS.
TheBoardofDirectorsrecommendsavotetoCONSENTtoeachofthe
followingproposals:

Consent Withhold Abstain

 Consent
Proposal to approve theAuthorized
Share Increase Amendmentset forth
inAnnex Ato the proxy statement on
Schedule 14A filed on [], 2009,
describingtheCommonStockProposals
(theCommonStockProxyStatement).
Proposal to approve theReverse Stock
SplitAmendmentsetforthinAnnexBto
theCommonStockProxyStatement.
ProposaltoapprovethePublicPreferred
Stock Amendmentset forth inAnnex
CtotheCommonStockProxyStatement.
Ye N
s o
PleaseIndicateifyouwouldliketokeep
yourvoteconfidentialunderCitigroups
ConfidentialVotingPolicy
Pleasesignexactlyasnameappearsbelow.Whensharesareheldbyjoint
tenants,bothshouldsign.Whensigningasexecutor,administrator,trustee
orguardian,pleasegivefulltitleassuch.Ifacorporation,pleasesigninfull
corporatenamebyPresidentor other authorizedofficer.If apartnership,
pleasesigninpartnershipnamebyauthorizedperson.

DATE17thofJuly,2017

JUBANMellonTrustofDelaware,notindividuallybutsolelyastrustee
underthatcertainVotingTrustAgreement,datedasof17thofJuly,
2017.

By:JulioJuban
Signature

AnnexB