(a). 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.

(b). Important Information for United Kingdom Investors: © 2009 Citigroup Inc. CITI and Arc Design is a registered service mark of Citigroup Inc. CITI and CITI NEVER SLEEPS are service marks of Citigroup Inc. Citibank is a registered service mark of Citibank N.A. or Citigroup Inc.
Important information for United Kingdom residents: Citibank International plc. Registered in England with number 1088249. Registered office: Citigroup Centre, Canada Square, London E14 5LB. Authorized and regulated by the Financial Services Authority.

Citibank Singapore Ltd. Company Registration No.200309485K.

Applicable to customers who apply for leverage against Fixed Income Security or Structured Note: The price of a Fixed Income Security (FIS) or a Structured Note (Note) may fluctuate during the tenure of the FIS/Note dependant upon market conditions. The market valuation of the FIS/Note at any given point of time will be dependant upon (but not limited to) shape of the yield curve, time left to maturity, credit spreads, volatility of interest rates and valuation methodologies. Any movement of the above factors may result in a fall in value of the FIS/Note and hence require Citibank to make a Margin Call.

Applicable to leveraged Premium Account: The risk of loss in foreign currency leveraged investment can be substantial. Investors may sustain losses in excess of their original margin funds. Investors investing in deposits denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. For Premium Account, the investors will be subject to the risk of the fluctuation of the alternate currency and their original funds may be substantially reduced depending on the decline in the alternate currency. Pre-termination before maturity is not allowed. Any loan repayment or top up requirement before maturity will have to be covered by additional funds.

Applicable generally: Investments, where maturity of the investment and maturity of loan do not match, such as Callable Notes, result in taking interest rate risk whereby the loan may be re-priced at a higher rate. Pre-termination of the investment to repay the loan may result in loss of principal. If the loan and/or interest outstanding are not reduced within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own financial position and investment objectives.