| Citigroup, 
                            principally through Citibank, has a long and 
                            unrivaled history as a provider of financial 
                            services throughout the world. They offer their 
                            customers personal service and the advantages of a 
                            local bank, while their global platform allows them 
                            to introduce a continuous stream of new and 
                            innovative products quickly and cost-effectively. 
                            Their full range of financial services products 
                            serve the needs of small and large corporations, 
                            governments, and institutional and individual 
                            investors, including a full range of treasury, 
                            foreign exchange, and financial advisory services. AT&T - It takes the right technology, the right people, 
                            and a bold vision to be the "The World's Networking 
                            Company." For more than 125 years, AT&T has been 
                            known for unparalleled quality and reliability in 
                            communications. Backed by the research and 
                            development capabilities of AT&T Labs, our 
                            commitment to innovation has made us a global leader 
                            in local, long distance, Internet, and 
                            transaction-based voice and data services. |