TIME DEPOSIT PROMOTION

Contents on this webpage are for general information only, and should not be relied upon as advice. The information provided does not have regard to any individual’s investment objectives, financial situation or particular needs. This webpage and its contents are not an offer nor solicitation to purchase, nor endorsement or recommendation of, any products or services by Citibank Singapore Limited, its related entities and their respective directors, agents and employees (together "Citigroup").

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, or New Zealand. 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.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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 refer to SDIC's website at www.sdic.org.sg.

Only Citigold Private Clients can enjoy these preferential interest rates. A Citigold Private Client relationship starts with a minimum Assets Under Management of S$1,500,000. Assets Under Management refers to the combined balances held in a client's primary accounts including Citibank Checking and Savings account, Time Deposits and Investments. For placement of Time Deposits, a Citibank Savings or Checking Account is required.

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. You may experience a 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.

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup, Inc or any of their affiliates or subsidiaries unless specifically stated. Investment products are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. The information on this webpage does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation.

Interested investors should seek the advice of their financial advisors, as appropriate. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether the investment products are suitable for you in light of your investment objectives, financial means and risk profile.

Investment products are not deposits, are not subject to the provision of the Deposit Insurance Act and Policy Owners' Protection Schemes Act of Singapore and are not eligible for Deposit Insurance Coverage under the Deposit Insurance Scheme.

Important Insurance Disclaimers

The insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA") and distributed by Citibank Singapore Limited. All insurance applications are subject to AIA’s underwriting and acceptance. This is only general product information provided and is not a contract of insurance. The information provided must be read with, and is subject to, all the terms and conditions and exclusions contained in the policy contract. Protected up to specified limits by SDIC. Please refer to full disclosures applicable to relevant product(s) and/or service(s).

Investment products are not available to U.S. persons and may not be available in all jurisdictions.

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