Welcome to the world of Citigold

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3 Enjoy a unique position of access and privilege, where clear thinking and individual understanding brings your bank home, to you. With investment and banking products, exclusive benefits and services, and a global network, we re committed to you, your lifestyle and your future. Welcome to the world of Citigold

4 Wealth Management At Citigold, we understand your financial success isn t a matter of chance; it s in the planning. We work with you to help you reach your financial goals. Your Relationship Manager opens the door to the world of opportunity that Citigold can offer and, working with a team of specialists, ensures your plans reflect your investment and lifestyle goals. With our global reach, we offer quality investment opportunities within Australia and around the world. Our team of Wealth Specialists can provide you with expert advice to help you make informed, strategic financial decisions about your investments. Types of financial advice for products and services We offer flexibility and choice on the type of advice you can access to suit your individual circumstances and wealth requirements. Client directed make your own financial decision without any advice from Citibank. Any decisions you make will be communicated to Citibank to execute your request only. General advice we will provide you with the product information, product research or market views to help you make your own financial decisions. You do not need, or want, specific recommendations or advice that takes into account your personal circumstances, financial situation or objectives. Personal advice we will provide you with specific recommendations or advice that takes into account your personal circumstances, financial situation or objectives. 3 Citigold

5 Retail Investors A Relationship Manager focused on your goals Your Citigold Relationship Manager, with the help of our team of specialists, can work with you to help you achieve your financial goals. Local knowledge, global reach With our global reach, Citigold offers quality investment opportunities within Australia and around the world. Our team of Wealth Specialists can provide you with expertise and advice to help you make informed, strategic financial decisions. Keeping you up to date From the Asian markets to New York s stock exchange, financial markets are fluid and ever changing. As a Citigold client, we ll keep you updated on market movements and investment opportunities in Australia and overseas. Wholesale Investors Citibank s Wholesale Investor Service (WIS) is our platform that connects you to global and local investment opportunities and privileges. Our wholesale clients benefit from: A Citigold Relationship Manager who provides you with access to Citibank s investment experts Institutional research and economic and market updates Access to professional services that can assist in your broader portfolio Bespoke investment opportunities and access to a range of asset classes that may be unavailable to retail investors Exclusive invitations to VIP events to hear directly from leading market and investment professionals. Citigold 4

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7 Insights Information is a powerful tool, we share what we know. As a Citigold client, you can access market insights and investment opportunities in Australia and around the world. To help keep you informed, review our latest research publications and view our webinars. Market updates & research Our monthly market outlook, mid-year and annual outlooks are ed directly to you, and also available on our website, providing valuable insights into market movements and investment opportunities. Seminars We ll keep you informed with what s happening in local and overseas markets through invitations to investment seminars, such as our Citigold Seminar Series and In Focus seminars which are an exclusive opportunity to speak with Citigold s global team and hear from key note speakers. Webinars If you are unable to attend our seminars and would like to view some key highlights from our seminars, web clips of key note speakers are available for viewing online or via your smartphone. Citigold 6

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9 Globality Invest locally or globally, with confidence. Globally minded clients turn to Citigold when looking for insights, information and ideas to maximise their portfolio returns, while managing risk. Our wealth management suite of products include: Term Deposits - local and foreign currency Dual and Multi Currency Accounts Bonds Structured Products Managed Funds Superannuation Investment Property Loans Ready when you are If you re relocating, your transaction account can be opened and ready for use on arrival at your destination 1. Global transfers Citibank Global Transfers enable you to conduct fee free and instant funds transfers online from your Citibank Australia account to Citibank accounts in a number of countries 2. Global view of accounts Enjoy streamlined banking through a consolidated view of your international Citibank accounts, with the convenience of a single Citibank log-in. Global, fee-free ATM access Benefit from the convenience of access to over 3,000 ATMs and a further 13,000 Citibank ATMs globally 3. Citigold 8

10 Products Exclusive offers for you. Banking Whether you are looking to enjoy the convenience of an everyday bank account, manage your cash in an account that works as hard as you do, or secure fixed interest at a term of your choice through our flexible term deposit products, Citigold has you covered. Complimentary bottle of award winning wine every time you dine and use your Citibank visa debit card to pay at partner restaurants in the Citibank Dining Program 4 Competitive term deposit pricing is available on request for local and foreign currency term deposits. Foreign currency accounts We offer foreign currency solutions for business or personal needs along with market insights through local foreign currency specialists to keep you up to date on currency markets, global research, trends and forecasting. Our clients can benefit from access to a wide range of currencies, with preferential rates on Foreign Exchange transactions for Citigold clients 5. Credit Cards Our popular credit cards offer everything you need and expect from your card and more, such as rewards programs and a free bottle of wine, every time you dine at partner Citibank Dining Program restaurants 4. Further, Citigold clients receive: No annual fee, normally $199 on Citibank Rewards Credit Card - Platinum 6 Discounted annual fee of $250, normally $395 on Citibank Rewards Credit Card - Signature 6 Discounted annual fee of $350, normally $700 on Citibank Select Credit Card 6. 9 Citigold

11 Mortgages Whether you re buying your first home, a retirement nest egg, renovating or upgrading your current property, Citibank can help you find the right solution for you. Citigold clients can take advantage of the following exclusive Citigold home loan benefits: No application fee on all Citibank home loans Exclusive preferential discounts on variable rates from our comprehensive range of Citibank home loans 7 First year annual package fee waiver on our Mortgage Plus package. Further, as a Citigold client you have the opportunity to invest in Australian property, no matter where you are in the world. Apply for an investment property loan with permission from the Foreign Investment Review Board and make the most of our competitive rates for Citigold clients 7. Insurance Enjoy peace of mind. Whether you re protecting you and your family with life and income protection, or what you own with building and motor insurance. Citibank offers a wide range of insurance to protect what you value most 8. As a Citigold client you and your family can access a discounted rate on travel insurance. There are a range of policies to choose from which could cover you for international and/or domestic travel including an annual Citibank Frequent Traveller Insurance policy. Citigold 10

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13 Business Solutions Banking should be the least of your worries. We know your business is important to you, so here at Citibank we have brought together the essential business banking products to meet your business needs. Ultimate Business Saver The Ultimate Business Saver account combines the best of both worlds. Benefit from the convenience and features of an everyday transaction account along with the opportunity to earn an interest rate that increases as your account balance grows. Diners Club Business Account Manage your business spend with a Diners Club Business Account with a companion MasterCard Card. This One Solution provides you with one account, two cards, one PIN and GST compliant statements to help streamline your BAS reporting requirements. Merchant Services If you want a secure and simple way to process card payments from your customers by phone, mail, online or in person, take a look at our innovative merchant solutions. We can tailor efficient and secure payment solutions that allow you to focus on running and growing your business. Business Credit Citibank s Business Credit is a flexible, unsecured revolving line of credit designed to give you freedom and flexibility to manage your cash flow. Insurance Our insurance pack works in partnership with your small business, to protect it in every way that we can. Whether you work in an office, in retail or in trade, you ll enjoy peace of mind knowing your business is in safe hands. Bundle the Ultimate Business Saver account with Citibank Merchant Services and we ll waive your establishment and installation fee. Citigold 12 Worldwide back up

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15 Benefits Unique travel and lifestyle benefits. Citibank Dining Program Every time you dine at one of our hundreds of partner restaurants across Australia, and pay with your Citibank card 4, you ll receive a complimentary bottle of award winning wine to enjoy with your meal. Visa Entertainment Offers Exclusive travel and entertainment deals are available to you through your Visa card. From discount deals at international hotels to special VIP entertainment offers, the red carpet is always rolled out for Citigold clients. Special offers and discounts With our Citibank World Privileges program and relationships with leading retailers and merchants, you ll receive discounts when you book hotel accommodation, concert tickets and more - from around the world. Citibank Travel Program Discover better value with the Citibank Travel Program with any Citibank credit card. The Citibank Travel Program gives you access to flight bookings, with no blackouts or waiting periods, exclusive travel packages, special offers, bonus points and more. Use your rewards points, credit card or a combination of both to book your next holiday. Medical Assistance As a Citigold client you ll have access to International SOS 9, the world s leading provider for medical assistance, should you require medical help while travelling internationally. You ll receive 24 hour support in more than 70 countries around the world. Emergency Cash Should something unexpected happen whilst abroad, leaving you unable to access your funds, Citigold offers emergency cash facilities available in most countries worldwide. Citigold 14

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17 Worldwide Backup Global support, so you re always in control, no matter where you are. Citigold status recognition As a Citigold client, you can enjoy the benefit of Citigold status recognition when travelling abroad. Global status recognition provides you the same level of Citigold service around the world, that you enjoy at home. Your home away from home Enjoy complimentary access to more than 550 Citigold Centres in 36 countries around the world. Our Citigold Centres provide you with a comfortable environment to have your banking needs met, whether at home or abroad. We speak your language We offer support in many languages, as well as many places. Whether you visit a branch or call us, you can manage your account in your own language. Support 24 hours a day, seven days a week Enjoy peace of mind when travelling abroad, for work or leisure. Toll free numbers Australia: Overseas: Citigold 16

18 Important information 1. Only available in certain countries. 2. The receiving bank may charge you a fee. Daily transfer limit applies. Funds are converted to the destination account currency at the exchange rate specified to you on Citibank Online before you confirm your transaction. This exchange rate includes a commission for the conversion service. When sending a Citibank Global Transfer to Australia, the overseas Citibank may charge a transfer fee. Please check with the local Citibank you are transferring from before sending. Citibank Global Transfers are available from all Australian Dollar accounts with access to Citibank Online, excluding Term Deposits and Citibank Online Saver. Global Transfers to Citibank Colombia are not instantaneous due to local regulations. Subject to local regulations, transfers will normally reach the destination account almost immediately after being effected, but in some cases (depending on the availability of processing facilities at the destination) may take a maximum of 24 hours. 3. Transaction fees may be charged where you exceed the number of fee-free transactions for that account. Citibank clients pay no ATM direct charge fees at over 3,000 Citibank, Westpac, St George, Bank of Melbourne and Bank SA ATMs around Australia. 4. Conditions apply. Visit 5. Applies to Foreign Exchange transactions for amounts greater than A$20, Your annual fees for the Citibank Rewards Credit Card - Platinum (normally $199 for the primary card and $90 for each additional card) are waived, your annual fee for the Citibank Signature credit card (normally $395) is reduced to $250 and your annual fee for the Citibank Select credit card (normally $700) is reduced to $350, while you maintain your Citigold status. As a Citigold client, you are entitled to a fee reduction for only one credit card account, which could be either a Select credit card or a Platinum credit card. Any other credit card accounts you apply and get approved for will not be eligible for these Citigold fee reduction offers. Not to be combined with any other offer. Credit criteria apply. 7. The discount is available to Citigold clients on all new Mortgage Plus or Basic mortgage accounts where the mortgage is established via a Citibank Mortgage Specialist or through a Citibank Branch. Offer does not apply to any existing Citibank mortgage accounts. Funds in a mortgage offset account do not contribute towards Citigold eligibility criteria. Terms, conditions and credit criteria apply. 8. Home and Contents, Car and Landlord Insurance are distributed by Citigroup Pty Limited ABN , AFSL No Australian credit licence ( Citibank ). The issuer for these products is Allianz Australia Insurance Limited (Allianz) ABN AFSL No Travel insurance is issued by ACE Insurance Limited (ACE), ABN , AFSL Citigroup Pty Ltd acts as a referrer of ACE and may receive a commission, referral fee or other benefit if you decide to purchase this product. 9. International SOS is not a Citi company. The referral services provided through International SOS are at no charge; however, you are responsible for any costs associated with medical services or evacuation services. Please call the Citigold hotline for more information or visit internationalsos.com Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme. For more information go to or call This is general advice only and was prepared without taking into account your objectives, financial situation or needs. You should consider if the advice is appropriate for your situation. We recommend you seek professional advice on your personal circumstances before acting on the information contained in this material. Please note some products are not available to US persons and may not be available in all jurisdictions. You should read the Product Disclosure Statements (PDS) or Terms and Conditions, available online or from a Citibank branch before you make an investment decision. Investments are subject to risk, including possible delays in repayment, loss of income and principal and may decrease in value as well as increase in value. 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. Investments are not a deposit with, liability of, or guaranteed by Citigroup Pty Limited, Citibank, NA, Citigroup, Inc. nor their related entities Citigroup Pty Limited. Citibank, Citi and Arc Design are service marks of Citigroup Inc. 17 Citigold

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