CITIGOLD PRIVATE CLIENT WELCOME PROGRAMME

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Be rewarded when you start a Citigold Private Client relationship today.

Be rewarded when you start a Citigold Private Client relationship today.

Be rewarded with up to S$22,956^ when you start a Citigold Private Client relationship with investible assets of minimum S$1,500,000.

See How Cash Rewards Adds Up

Illustration of the Welcome Rewards

Your Year of Rewards with Citigold Private Client
Reward Category Requirements Reward Amount
Base Reward AND Additional Base Reward Deposits S$1,500,000 fresh funds, complete goal setting session and fact find report and declared Accredited Investor S$4,000
Holds a valid primary/ main card of any Citi Credit Card S$600
Successfully applies for and accepts an offer for a New Housing Loan of minimum S$800,000 from Citi by the end of the Welcome Period S$1,000
Bonus Reward Purchases S$500,000 in Investments by 31 Dec 2023 S$6,700
Purchases S$500,000 in Life Insurance by 31 Dec 2023 S$6,700
Citi Wealth First Interest Interest in Citi Wealth First Account with balances maintained at S$500,000 (Spend, Save, Insure, Invest, Home Loan) S$3,956
Total Rewards S$22,956
Get started with Citigold Private Client

Terms and Conditions apply.

^Successfully established a Citigold Private Client relationship with S$1,500,000 Fresh Funds and completes Investment Risk Profile, Fact Find Report and Accredited Investor Declaration, S$500,000 deposited into Citi Wealth First Account, maintaining the Citigold Private Client relationship and AUM for 12 months, is an existing / new primary Citi Credit Card holder, spends S$250 monthly on his Citibank Debit Mastercard, invests S$500,000 and takes up an insurance of S$500,000 and continue to maintain the investment and insurance till 31 December 2023, saves S$3,000 monthly, and takes up a new home loan of at least S$800,000.

For detailed mechanics, terms and conditions on Citi Wealth First Account,

Please visit www.citibank.com.sg/wealthfirst.

For Welcome Program terms and conditions, click here.

The products and services mentioned in this document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey , Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK, Brazil and New Zealand. 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.

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 visit www.sdic.org.sg.

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

Disclaimers

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law.

Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Investment comprises of Premium Account and Retail Unit Trusts. Insurance refers to Single Premium Insurance policy distributed by Citibank. Investment and Insurance products are: Not Bank Deposits. Not Bank Guaranteed. May Lose Value. Not Insured By Any Government Agency. Investment and Treasury products are not available to U.S. Persons.

Premium Account

By investing in a Citibank Premium Account, you are allowing the bank to repay you at a future date in an alternate currency that is different from the currency in which your initial Investment was made, regardless of whether you wish to be repaid in this currency at that time.

A Premium Account is unlike a traditional bank account as it is an Investment and returns may vary. Premium Account is subject to a number of risks. A Premium Account is an Investment in one or more foreign currencies. It is subject to foreign exchange rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert any alternate currency into the base currency.

The higher rate of interest you may earn in the Premium Account as compared to a traditional Time Deposit may not compensate you for the foreign exchange loss.

Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers may assist you with information on any exchange controls that are relevant to the currencies in which you invest. You should note that a Premium Account is an Investment product that should be held to maturity. Early withdrawal of a part of a Premium Account prior to the maturity date is not permitted. Early withdrawal of the whole of a Premium Account is permitted but strongly discouraged, because you will have to pay early termination charges and these charges will be deducted from the amount repaid under the Premium Account. As a result, the amount repaid to you may be less than the principal amount. If you wish to terminate your Premium Account prior to maturity, please contact the bank.

The bank may, at any time at its discretion, terminate the Premium Account. This may happen, for example, if restrictions on convertibility and transferability become applicable to any of the currency in your Premium Account. In such cases, payment to you may be made in the alternate currency or another currency chosen by the bank. You may incur a loss on the principal amount in such cases. You should obtain the advice of a licensed or an exempt financial advisor before making a commitment to enter into a Premium Account transaction. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether a Premium Account is suitable for you in light of your Investment objectives, your financial means and your risk profile. For more information on a Premium Account, you should also carefully read the Terms and Conditions of the Premium Account.

Unit Trusts

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc. or any of their affiliates or subsidiaries and 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 funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.

This document does not constitute the distribution of any information or the making of any offer or 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 a document or make any offer or solicitation.

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

All applications for units in the unit trusts must be made on the application forms accompanying the prospectus, which are available from Citibank branches. Investors should read the prospectus before deciding whether to invest in units in the unit trusts.

Insurance

Insurance products are obligation only of the Insurance Company. They are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc. or any of their affiliates or subsidiaries. This is not a contract of Insurance. Accordingly, the information should be read and construed in light of and subject to, all terms, conditions and exclusions contained in the policy contract. Full details are stated in the policy contract. You should seek advice from a qualified advisor if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this product is appropriate to your financial needs and Insurance objectives. Buying a life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value may be less than the total premiums paid. All Insurance applications are subject to the Insurance company's underwriting and acceptance.

Citibank full disclaimers, Terms and Conditions apply to individual products and banking services.