Program Manager Welcome back to the Citi Franchise Forum. This is the second in 2007, but it is the 3 rd year that we have led this uniquely Citi institution. The CFF is an annual event for the top 1% of our company – that means that if you are in this room, you are a Senior Manager of Citi. It also means you’ve participated in this forum in years past. Transition: The purpose and format remain the same every year