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^{#}For illustration purposes, we have provided in this marketing material that the 1-month SIBOR is 1.8% p.a. therefore, the base interest rate set out in this marketing material is 0.9% p.a. based on the 1-month SIBOR of 1.8% p.a. The base interest rate will fluctuate daily in accordance with the movement of the 1-month SIBOR. The base interest rate will be paid on the first S$150,000 in the daily balance of your Citi MaxiGain Savings Account ("MaxiGain account"). You need to maintain a daily end of day balance of at least S$70,000 in your MaxiGain account to earn base interest.

^Your balances capped at S$150,000 shall accrue bonus interest at a rate ("Bonus Interest Rate") that steps up each month, from 0.05% p.a. to a maximum of 0.6% p.a., calculated based on your lowest balance in the previous month, if the lowest balance in your MaxiGain account in a month is equal to or greater than the lowest balance in the previous month. The lowest amount of funds in your MaxiGain account at any point in time in a month shall be the "lowest balance" of that month. The "Counter" increases by 1 each time the Bonus Interest Rate steps up. No minimum balance is required in your MaxiGain account to earn bonus interest.

*By fulfilling the necessary conditions, you can achieve 1.5% interest p.a. (0.9%^{#} base + 0.6% p.a. bonus) from the 13th month onwards. For clarity, the 0.9%^{#} interest p.a. is applicable on the daily balance and 0.6% interest p.a. is applicable on the lowest balance in the previous month provided the necessary conditions are fulfilled.

The products and services mentioned above are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, and The Isle of Man. This webpage is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

**Deposit Insurance Scheme:**

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 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 visit www.sdic.org.sg.

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