TERMS SHEET
This terms sheet contains selected information for quick reference only. You should read
this Supplement, particularly "Risk Factors," and each of the other documents listed under
"Available Information."
Sponsor: Citigroup Global Markets Inc.
Trustee: Wells Fargo Bank, N.A.
Tax Administrator: The Trustee
Closing Date: December 30, 2003
Distribution Dates: For the Group 1 Securities, the 16th day of each month or, if the 16th
day is not a Business Day, the first Business Day thereafter, commencing in January 2004. For
the Group 2 Securities, the 20th day of each month or, if the 20th day is not a Business Day, the
first Business Day thereafter, commencing in January 2004.
Trust Assets:
Trust
Asset
Group
Trust Asset Type
Certificate Rate
Original Term
To Maturity
(in years)
1
Ginnie Mae I
4.5%
30
2
Underlying Certificates
(1)
(1)
(1)Certain information regarding the Underlying Certificates is set forth in
Exhibits A and B to this Supplement.
Security Groups: This series of Securities consists of multiple Security Groups (each, a
"Group"), as shown on the inside front cover of this Supplement and on Schedule I to this
Supplement. Payments on each Group will be based solely on payments on the Trust Asset
Group with the same numerical designation.
Assumed Characteristics of the Mortgage Loans Underlying the Group 1 Trust Assets1:
Principal
Balance2
Weighted Average
Remaining Term to
Maturity (in months)
Weighted Average
Loan Age
(in months)
Mortgage Rate
Group 1 Trust Assets
$700,000,000
351
4
5.0%
1As of December 1, 2003.
2Does not include Group 1 Trust Assets that will be added to pay the Trustee
Fee.
The actual remaining terms to maturity and loan ages of many of the Mortgage Loans underlying
the Group 1 Trust Assets will differ from the weighted averages shown above, perhaps
significantly. See "The Trust Assets – The Mortgage Loans" in this Supplement. See Exhibit A to
this Supplement for certain information regarding the characteristics of the Mortgage Loans
included in the Underlying Trusts.
Issuance of Securities: The Securities, other than the Residual Securities, will initially be
issued in book-entry form through the book-entry system of the U.S. Federal Reserve Banks (the
"Fedwire Book-Entry System"). The Residual Securities will be issued in fully registered,
certificated form. See "Description of the Securities – Form of Securities" in this Supplement.
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