Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citibank N.A., Citigroup Inc., or any of its affiliates or subsidiaries or any governmental agency 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 such an offer or solicitation.

Investment products are not deposits and are not subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore, nor eligible for deposit Insurance coverage under the Deposit Insurance Scheme.

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

(a). Important Information for United Kingdom Investors: Citibank and Citibank with Arc Design are registered service marks of Citigroup Inc. © 2006 Citibank N.A. Citibank N.A. is regulated and authorized by the Financial Services Authority. Registered in England No. BR001018. Registered office: Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. VAT No. GB 429 6256 29. Ultimately owned by Citigroup Inc. New York, USA. Citibank N.A. 2005. A member of Citigroup. Compensation under the Financial Ombudsman Scheme is not available.

(b). Important Information for Australia Investors: Deposits are not deposits with Citigroup Pty Limited or Citibank N.A. Sydney Branch. Deposits are not covered by division 2 of the Australian Banking Act and as such are not subject to depositor protection provisions of the act.

Residents of Singapore : The services of CGMI, as described herein, are only made available to accredited investors in Singapore. If you are not an accredited investor, you are not eligible for any services to be provided to you by CGMI, and CGMI will not accept you as its customer.

Securities and insurance products are not bank deposits, are not insured by the FDIC or any federal government agency, are not obligations of or guaranteed by Citibank and are subject to investment risks, including possible loss of the principal amount invested.

Citi Global Markets is no longer a division of Citigroup Inc and its affiliates worldwide including Citigroup Global Markets Inc. and Citigroup Global Markets Singapore Pte Ltd. Despite this change, your investment account continues to be held by Citigroup Global Markets Inc. Securities offered through CGMI, member SIPC. CGMI, Citigroup Global Markets Singapore Pte Ltd and Citibank, N.A. are affiliated companies under the common control of Citigroup Inc. Citi and Citi with arc design are registered service marks of Citigroup Inc. and its affiliates and are used and registered throughout the world."