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Our counselors and help guides offer everything needed to help you get out of debt. Bankrupcy can lead to costly lawyers, bad credit, and overall embarrassment. Let us help you lower your debt, without ruining your credit.

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Emerging economies'' growth and industrialized economies'' consumer needs for infrastructure upgrades have created substantial financing needs for power plants, telecommunications networks, credit oil and gas development, mines, water treatment facilities, counseling toll roads, and airports. Citibank and Salomon Smith Barney help project sponsors consumer obtain funding (often non-recourse) on the basis of future project revenues. We offer clients advice, loans, bonds, export credit, and multilateral credit agency financing, as well as local currency financing, foreign exchange, and cash management. We are leaders in the developed world as well as the emerging markets. We are a leading global advisor and underwriter of commercial counseling mortgage-backed securities. We focus on loan trading, lending, sale-leasebacks, consumer equity placement and sales advisory. Internationally, credit we are a leading counseling CMBS provider, structuring unique financial solutions for complex real estate transactions.Securitization offers you a strategic funding alternative by enabling you to turn assets with predictable cash flows consumer into credit a capital source, thereby restructuring your risk profile, obtaining a cash infusion, and perhaps reducing your capital counseling requirements by removing the assets from the balance sheet.

Our capital structuring products are designed to improve the consumer balance sheet or income statement of a corporation. The principal products are partnership finance, preferred or preference stock, hybrid securities credit and investment funds. The issuers of these products will obtain EITHER LOW COST EQUITY counseling OR DEBT WHILE THE INVESTOR consumer ACQUIRES low risk and sometimes tax efficient investment income. Investors may well come from a different jurisdiction credit than the issuer, and the transactions are privately placed in order to counseling provide greater flexibility to both parties should circumstances change. Asset Finance provides services to lessors and lessees of major pieces or pools of equipment globally ($50 million or more). Since many jurisdictions in the world provide incentives to owners of equipment to acquire new or used assets, users of equipment can gain financial benefit in terms of a lower lease rate consumer if they subject these assets to a lease. Due to the acceleration of depreciation for tax purposes, credit the owner of the equipment is prepared to reduce the rental. By making an assumption about the cost of purchasing the equipment at the end of the lease, the lessee can calculate the net present value of the benefit which is being passed.

Derivatives Equity Derivatives We offer Equity Derivatives Products and structured solutions using Equity Derivatives to our corporate customers counseling and institutional consumer investor base globally. These products allow you to target credit specific market exposure or to manage specific risk in your investment counseling decisions. We provide customers with liquidity and innovative products and strategies in listed and OTC derivative markets worldwide. We are a leader in trading listed options, index options, baskets and futures consumer on the Amex, CBOE and Chicago Mercantile Exchange. credit In Europe, we have a strong reputation in OTC options, warrants and listed futures and options. We are expanding our presence in corporate derivatives, creating innovative solutions such as share disposal strategies, share buybacks and ESOPs. We also are a noted innovator counseling in the Japanese derivative markets, trading consumer yen fixed income futures and options and credit other derivative counseling products.