<!DOCTYPE HTML PUBLIC '-//W3C//DTD HTML 4.0 Transitional//EN'>

<html><head><title>534730-00022.htm</title>

<meta name='vs_defaultClientScript' content='JavaScript'>

<meta http-equiv="Content-Type" content="text/html; charset=utf-8">

<meta name='vs_targetSchema' content='http://schemas.microsoft.com/intellisense/ie3-2nav3-0'>

<meta name='Originator' content='CommentWorks'></head><body><Table>

<tr><td><b>Comment Number: </b></td><td>534730-00022</td></tr>

<tr><td><b>Received: </b></td><td>8/27/2008 4:01:37 PM</td></tr>

<tr><td><b>Organization: </b></td><td>Citigroup Inc.</td></tr>

<tr><td><b>Commenter: </b></td><td>Joyce ElKhateeb</td></tr>

<tr><td><b>State: </b></td><td>NY</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>FACT Act Risk-Based Pricing Rule</td></tr>

<tr><td><b>Attachments:</b></td><td><a href='534730-00022.pdf'>534730-00022.pdf</a>&nbsp<a href='http://www.adobe.com/products/acrobat/readstep2.html' target = _blank >Download Adobe Reader</a><br></td></tr></Table>

<hr><P><b>Comments:</b></p>Citigroup comment letter - Project No. R411009</body></html>