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Dear Fellow Shareholders,

For Citigroup, 2009 was a watershed year, financially, strategically and operationally. Over the course of those 12 months, your Company made much progress. By year end, the distinctive outlines of a strong “New Citi” had emerged from an extraordinarily difficult period in the history of the Company and the world financial system.

To Our Investors:

In 2009, we extended our unmatched track record of leadership in delivering innovative solutions that allow our customers to connect in new and better ways. In the process, we achieved solid financial and operating results and positioned your company to lead the next wave of communications growth.

OVERVIEW

UAL Corporation (together with its consolidated subsidiaries, “UAL”), a holding company whose principal subsidiary is United Air Lines, Inc. (together with its primary subsidiaries, “United”), was incorporated under the laws of the State of Delaware on December 30, 1968. We sometimes use the words “we,” “our,” “us,” and the “Company” in this Form 10-K for disclosures that relate to both UAL and United. Our world headquarters is located at 77 W. Wacker Drive, Chicago, Illinois 60601. The mailing address is P.O. Box 66919, Chicago, Illinois 60666 (telephone number (312) 997-8000).

Dear Fellow Shareholder,

2009 was a year of celebration at Family Dollar. Fifty years ago, we opened our first store in Charlotte, North Carolina. In the span of half a century, we’ve grown to more than 6,600 stores in 44 states. 2009 was also the 30th anniversary of our initial listing on the New York Stock Exchange. As if in celebration of these anniversaries, 2009 also brought the Company record earnings.

Letter to Shareowners:

This was a year that brought with that growth an increased intensification of competition, leading us to take a long, hard look at how best to serve our customers. It was a year that raised new challenges and led to clarity and focus for us as we continue down this path of growing together.

To Our Shareholders:

At the start of last year, the future of The Washington Post Company seemed somewhat uncertain. As a symbol of the uncertainty, we had $400 million in bonds coming due in just six weeks — and no lender had said they could be renewed at less-thanextortionate rates.

Chairman’s Letter

To my fellow shareholders:
In my letter to you last year, I talked about some of the attributes that define and differentiate MetLife — our financial strength, our leading position in the insurance industry and the guarantees we provide our customers.

In 2009, these attributes once again proved to be critically important, and enabled us to grow premiums, fees & other revenues 4% over 2008. This growth was achieved in one of the most challenging economic environments seen in decades, proving that MetLife’s customers value what we bring to the marketplace — demonstrated expertise in meeting their long-term financial needs.