1. Offer available to wholesale investors only as defined in section 761G of the Corporations Act 2001 (Cth) who has a valid accountant's certificate certifying the investor has a gross income of AUD$250,000 or more per annum in each of the previous two years (before the certificate was issued) or has net assets of at least AUD$2.5 million. By investing in this offer you understand that you will be treated as a wholesale client. Interest rate is subject to change and only available on new term deposits up to USD$2,000,000 when at least 25% of the total investment is allocated to eligible investments (structured products, managed funds and bonds). Managed funds are only available in AUD. 31 day notice period applies to term deposits.

2. Offer available to wholesale investors only as defined in section 761G of the Corporations Act 2001 (Cth) who has a valid accountant's certificate certifying the investor has a gross income of AUD$250,000 or more per annum in each of the previous two years (before the certificate was issued) or has net assets of at least AUD$2.5 million. By investing in this offer you understand that you will be treated as a wholesale client. Interest rate is subject to change and is only available on new term deposits up to USD$2,000,000 when combined with eligible investments (structured products, managed funds and bonds). Managed funds are only available in AUD. Funds must be split equally between the Term Deposit and eligible investments. 31 day notice period applies to term deposits.

The Term Deposit will automatically renew for the same term at maturity unless you have nominated otherwise. Please note that the interest rate that will apply to your reinvestment will be the interest rate current on the date of maturity which may be less than what may be available to you had you made a new investment.

The minimum investment amount for bonds is AUD $50,000. Investments are not deposits or other obligations of, guaranteed, or insured by Citibank N.A., Citigroup Inc., or any of their affiliates or subsidiaries, or by any local government or insurance agency, and are subject to investment risk, including the possible loss of the principal amount invested.

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. Past performance is not an indicator of future performance. Investment products are not available to US persons and may not be available in all jurisdictions. All investments are subject to risks and can change in value.

Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. You should also obtain and consider the relevant disclosure documents and terms and conditions before you make a decision about any financial product, and consider if it's suitable for your objectives, financial situation, and needs. Investors are advised to obtain independent legal, financial, and taxation advice prior to investing.

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