This excerpt taken from the C 8-K filed Dec 16, 2005.
Allocating capital to maximize returns for shareholders
Certain statements in this document are forward-looking statements within the meaning of the Private Securities Litigation Reform Act. These statements are based on managements current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors. More information about these factors is contained in Citigroups filings with the Securities and Exchange Commission.