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<PAGE> 1 Exhibit 99.3 September 20, 2000 Citigroup Inc. 399 Park Avenue New York, New York 10043 Ladies and Gentlemen: I hereby consent to the reference to my becoming a director of Citigroup Inc. ("Citigroup") in the Registration Statement on Form S-4 of Citigroup, to be filed with the Securities and Exchange Commission. Sincerely yours, /s/ Keith W. Hughes --------------------- Keith W. Hughes
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