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: U.S. Bank National Association Tax Administrator: The Trustee Closing Date: November 28, 2003 Distribution Dates: For the Group 1, 2, 4, 5 and 6 Securities, the 20th day of each month or, if  the  20th  day  is  not  a  Business  Day,  the  first  Business  Day  thereafter,  commencing  in December 2003. For the Group 3 and 7 Securities, the 16th day of each month or, if the 16th day is not a Business Day, the first Business Day thereafter, commencing in December 2003. Trust Assets: Trust Asset Group Trust Asset Type Certificate Rate Original Term To Maturity (in years) 1 Underlying Certificate (1) (1) 2 Underlying Certificates (1) (1) 3 Ginnie Mae I 7.0% 30 4 Ginnie Mae II 6.0% 30 5 Ginnie Mae II 6.0% 30 6 Underlying Certificates (1) (1) 7 Ginnie Mae I 4.5% 30 (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. B-31