FOREIGN CURRENCY TIME DEPOSITS

* Tenor Available for Time Deposit in Japanese Yen is 1 month and below and Tenor Available for Time deposit in Euro and Swiss Franc is 1 week and below.

^{^} No minimum deposit is required for Overnight deposit. The interest rate for Overnight deposits denominated in any foreign currencies is 0% for all balances.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please refer to SDIC's website at www.sdic.org.sg.

The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.

An administrative fee or withdrawal charge may be imposed for termination of time deposits prior to maturity date. No pre-termination of the time deposit is allowed for CNH and ZAR currency. Foreign currency investments are subject to rate fluctuations which may provide both opportunities and risks and you may experience a gain or loss when you convert foreign currency back to your home currency. You should therefore determine whether any foreign currency investment is suitable for you in light of your investment objectives, financial means and risk profile. For Offshore Renminbi Time Deposit accounts CNH, the Offshore Renminbi Products and Services terms and conditions apply. For CNH, foreign exchange conversion is required for the full deposit amount. You should be aware of the risks involved in placing an Offshore Renminbi Time Deposit.

Offshore Renminbi Time Deposit Account
At present, Renminbi is not freely convertible and conversion of Renminbi is restricted. The government of the People's Republic of China continues to regulate conversion between Renminbi and foreign currencies. No physical deposit or withdrawal of Offshore Renminbi is permitted. There is no physical delivery of Offshore Renminbi. All placements/deposits into your Offshore Renminbi Time Deposit account can only be effected by converting funds denominated in a freely-convertible currency into Offshore RMB. A withdrawal of funds from your Offshore Renminbi Time Deposit account can only be effected by converting your Offshore Renminbi funds to a freely-convertible and available currency .You may therefore suffer loss from the foreign exchange conversion. In addition, you could potentially receive less than the full value of the principal amount. All currency conversions are subject to availability and will be effected based on Citibank's prevailing exchange rate. Currency conversions from Offshore Renminbi to a freely-convertible currency and vice versa will be effected at Citibank's prevailing exchange rates which will be based on the Offshore Renminbi interbank rates. The Offshore Renminbi interbank rates may be driven by various factors including market demand and supply and may be significantly different from the onshore Renminbi market rates. Citibank may at its discretion include a spread or markup in the exchange rates quoted. The Offshore Renminbi Products and Services terms and conditions apply. You should also be aware of the risks involved in placing an Offshore Renminbi Time Deposit.

Citibank full disclaimers, terms and conditions apply to individual products and banking.