The Citigroup Global Consumer Group business encompasses the financial sector's most varied consumer product offerings-banking services, credit cards, loans and insurance. Citigroup offers access to a wide range of products and services to meet all financial needs- banking, credit, investing, insurance, mortgages, lines and loans. Citigroup, particularly through Citibank, has a long and unparalleled history as a source of financial services throughout the world. Through a strong global franchise and a powerful worldwide presence of Citibank, their business also offers industry-leading advanced technology. They have their trail in 100 countries in North and South America; Asia and the Pacific; Western, Central, and Eastern Europe; the Middle East; and Africa. Personal services and advantages of a local bank are offered to the customers, while introducing a continuous stream of new and innovative products, which prove to be extremely cost-effective. Their banking, lending, investment and insurance services look after the needs of individual consumers. The leading provider of credit and charge cards, such as MasterCard®, VISA®, and private labels in the upcoming markets, they have one of the largest networks of ATMs. Their full range of financial services provide for various small and large corporations, governments and institutional and individual investors, including a complete range of treasury, foreign exchange, and financial advisory services. Sanford I. Weill is the Chairman Emeritus of this diversified global financial services company which was formed in 1998 by merging Citicorp and Travelers Group. While in college, Weill had planned to be a pilot and had even joined Airforce ROTC. However cutbacks in defense spending canceled his military career, and he instead moved on to become a broker. In 1960, he, along with his friends, started a small brokerage: Carter, Berlind, Potoma & Weill, which he eventually turned into a powerful financial organization called Shearson. Weill, who has been the Chairman and CEO of Travelers, became Chairman of Commercial Credit Company, in 1986, successfully leading the company through a public stock offering by its then-parent, Control Data Corporation. Prior to 1986, Weill had been President of American Express Company and Chairman and CEO of its Fireman's Fund Insurance Company subsidiary. His association with American Express began in 1981 when the company acquired Shearson Loeb Rhoades. Shearson's origins date back to 1960 when Weill and three partners co-founded its predecessor, Carter, Berlind, Potoma & Weill. He served as the firm's Chairman from 1965 to 1984, a period in which it completed over 15 acquisitions to become the country's second largest securities brokerage firm. In 1993, when Travelers Group acquired Shearson Lehman Brothers' retail brokerage and asset management businesses, he was reunited with the firm he founded. Mr Weill has also been a Director of the Federal Reserve Bank of New York in 2001. He has also served as a Director on the Boards on united Technologies Corp. from 1999 to 2003, AT&T Corp. 1998 to 2002, and of E. I. Du Pont Nemours and Company from 1998 till 2001. The recipient of the New York State Governor's Art Award, 1997, he has been the Chairman of the Board of Trustees of Carnegie Hall since 1991,and previously served as Co-Chairman of the Steering Committee for the Campaign that raised $60 million for the Hall's restoration. Weill is also a Director of the Baltimore Symphony Orchestra. Weill, who was born on March 16, 1933, is a graduate of Cornwell University. He is Chairman of the Board of Overseer for the Joan and Sanford I. Weill Medical College and Graduate School of Medical Sciences of Cornell University. A Trustee Emeritus of the university, he serves on the Advisory Council of its Johnson Graduate School of Management. He is also a Trustee of New York Presbyterian Hospital and an Overseer of Memorial Sloan-Kettering Cancer Center. He is a member of The Business Council and served on the Working Group on Child Care. In July 2002, Weill received the Chief Executive magazine's 2002 CEO of the Year Award. A proponent of education, Weill inaugurated a joint program with the New York City Board of Education in 1980 that was the creator of the Academy of Finance, a school which trains high school students for careers in financial services. He is the Chairman of the National Academy Foundation, which looks after more than 394 Academics that operate across the country, and is also the principal sponsor of New York City's High School of Economics and Finance. Under this suave gentleman, Citigroup is organized and managing five groups: Citigroup Global Consumer Group, the Global Corporate and Investment Banking Group, Citigroup Global Investment Management, Citigroup International, and Smith Barney. Their Global Corporate and Investment Banking Group is the premier organization for meeting all the financial needs of corporations, governments, and institutional and individual investors around the globe. Citigroup also manages a global private wealth management and equity research unit, named Smith Barney. It is a leading provider of comprehensive financial planning and advisory services to high net worth investors, institutions, corporations and private businesses, governments and foundations. Smith Barney, with more than 300 research analysts and nearly 12,400 financial consultants in over 500 offices, offers investment services including asset allocation, private investments and lending services, hedge funds, cash and portfolio management, as well as retirement, education and estate planning. A division of Citigroup Global Markets, Smith Barney currently serves more than 7.5 million client accounts, representing nearly $900 billion in client assets. Weill has always invested heavily in any company he runs, and has been extremely encouraging to his employees from the top down to do the same. His dedication, resulting in the success of his company has enriched not only him, but the thousand of men and women who work with him.