Products and Services

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1 Products and Services

2 Everyday Banking Citigold Private Client Centres The Citigold Private Client Centre is an exclusive, cultured and professional environment presenting our valued clients with personalised service to accomplish all their banking and investments needs. The staff at your Citigold Private Centre is trained to answer any question you might have with regards to your account with Citibank. We offer a full range of everyday banking products including an exclusive credit card. The wide range of choices available will make banking with us a convenient and a high quality experience for you. Speak to your dedicated senior banker for a full review of what may suit your financial needs. Deposits Citibank offers you a wide selection of deposit accounts to meet your financial needs. Select from Checking Account, Interest Checking Account, Time Deposit and Savings Account in local and foreign currencies. ATM/ Debit Card Citibank offers you an exclusive ATM/ debit card branded with the Citigold Private Client name. With this card you can make convenient cash withdrawals, daily purchases and bill payments from any one of 1.4 million Visa or Plus ATMs around the world, from any merchant that accepts a Visa card or online, from the comfort of your home. Credit Card As a Citigold Private Client you will receive a credit card with specially designed features and privileges. You can also expect your accounts with us to be accorded our signature VIP treatment. From exclusive interest to foreign exchange rates, you ll always be entitled to the best privileges that are worthy of your status. Online and Telephone Banking You can view your accounts, check account history, transfer funds, set up automatic bill pay and conduct many more transactions from the convenience of your home through our secure Citigold website. Call us anytime at the specially designated Citigold Private Client service line number to speak to a Citibank representative. Exclusive Citigold Private Client Centres Variety of deposit and transaction accounts Citigold Private Client branded ATM/ debit card Exclusive Citigold Private Client branded credit card Online and telephone banking

3 Investment Products Only the best financial products appear in the Citigold Private Client selection of offerings. From mutual funds to alternative investments, each one is handpicked by our forward-thinking panel of experts to enhance your portfolio. Citi s rigorous product selection process involves a detailed assessment of the strengths, weaknesses and value of many thousands of investment and banking products, and of market securities such as shares and bonds. We assess the historic and expected levels of risk and return and other characteristics of the product to decide its suitability for particular kinds of clients. Our suite of products includes: Mutual Funds and Unit Trusts Citibank offers a wide variety of unit trusts to choose from with a focus on a variety of investment themes and asset classes. These have been chosen for you through a rigorous process of due diligence and offer you a long-term investment opportunity. The unit trusts offered to you by Citi are managed by some of the most reputable names in fund management. Separately Managed Accounts A Separately Managed Account is an investment portfolio of stocks, bonds, cash, and other individual securities managed by a professional money manager. Unlike mutual funds, they can be tailored to meet your specific investment objectives and you own the individual securities. Separately Managed Accounts will be offered to you through our partnership with Financial Advisors from Citi Global Markets located on-site. Alternative Investments Alternative investments such as hedge funds, private equity investments, real estate funds offer an opportunity to diversify for the knowledgeable investor. Citi s experts regularly screen various hedge funds for performance and financial soundness of their strategy, before offering them to you. Speak to your relationship team to understand how you can invest in the appropriate opportunities.

4 Bonds At Citibank, we understand your need for developing a disciplined approach to investing while achieving diversification and ensuring a steady income stream. That is why, your dedicated senior bankers are trained to advice you on investment-grade bonds and fixed interest instruments in global and regional markets. Citi s in-house research team will investigate hundreds of bonds available in the global and regional markets and bring to your dedicated senior banker a selected list of investment opportunities. Your dedicated senior banker in partnership with our portfolio counsellors, located on site, will actively advise you on how to balance your portfolio with bond investments and place the required trades on your behalf. You will have access to a periodical from Citi s research team including market commentary and names and data on securities. Citi s research will also develop short-term trade ideas on bonds for knowledgeable investors. Access to Citi s in-house research and commentary on macro-economic trends, global, regional, government and corporate bonds Advice from your dedicated senior banker and Portfolio Counsellors located on site Selected list of investment opportunities Short-term trade (buy and sell) ideas for knowledgeable investors

5 Equities As a Citigold Private Client, you will receive advice on equities from the most experienced and highly qualified specialists in Citi. Your relationship team will include an assigned Financial Consultant, located on site, available to qualified clients through our partnership with Citigroup Global Markets Inc. Your Financial Consultant offers you access to a wide range of equity-related knowledge and research, and to equity markets in multiple countries including Asia, Japan, U.S. and Europe and developing markets. Your Financial Consultant also offers an array of separately-managed accounts and discretionary portfolio services sourced from best-of-breed providers globally. In other words, your relationship team will ensure that you receive access to a full global equities advisory and execution capability. Access to Citi s research and market knowledge through Financial Consultants from Citigroup Global Markets Inc., located on site Access to variety of equity instruments such as U.S. listed equities, U.S. OTC options on equities, indices, exchange traded funds, preferred stocks, U.S. stocks short sales Access to a range of alternative investments such as hedge funds, private equity funds Access to Separately Managed Accounts and Manager Selection Program from Consulting Group

6 Structured Investments and Premium Deposits Citibank offers a wide range of structured investment products. A structured product involves a deposit together with an embedded derivative usually FX, equities, fixed income, commodities or hybrids of these products. These products are designed to meet your shortterm investment goals. Our team of experienced treasury specialists in partnership with your dedicated senior banker will provide you with upto-date market information, aimed at helping you make sound investment decisions. Some of our most popular products are: Equity Linked Account A short tenure (1 to 12 months) non-principal protected investment that involves an embedded put option which gives the bank the right to pay your principal and interest in either the base currency or the underlying share. Premium Account Take advantage of currency exchange rate movements, to enjoy potentially higher returns. It involves an option that allows the bank to repay your principal plus interest at maturity in either the base currency or alternate currency. Premium Account With Leverage Increase the investment power of your premium account by taking advantage of an overdraft facility of up to 5 times your pledged assets. Gold Account A Citibank Gold Account allows you to buy or sell Gold just like any currency. A Gold account can help you diversify your portfolio with a portion of gold as balance and potentially reduce the overall risk of your portfolio.

7 Loans Citibank offers you the ability to take loans to finance a variety of investment ideas without liquidating your current investments. Taken judiciously, and based on advise from your relationship team, leverage can be powerful way to optimise your financial plan. For qualified Citigold Private Clients, we are pleased to offer a comprehensive suite of loans, increased quantum of funds at competitive rates to help finance your wealth management goals. Besides home mortgages, personal loans and lines of credit, your dedicated senior banker will also be able to arrange for you, loans on a variety of investments such as foreign exchange trades, investment grade bonds, U.S., Singapore and Hong Kong listed stocks. Citi also offers a unique product, Citibank Global Home Equity - a wealth management solution that integrates your global property portfolio into a single line of credit with a single point of contact. fproperty lending specialists are also available for consultation and advise as required. For convenience in monitoring, you can monitor your current positions through your unified monthly statement. Access to routine loans and lines of credit at competitive rates Enhanced quantum of funds and competitive rates for financing a variety of investment ideas in foreign exchange trades, bonds and equities Convenient monitoring through a unified monthly statement

8 Business Banking Whether it is a business or a personal financial need, at Citibank, we are prepared to take care of every aspect. We are dedicated to building and maintaining long-term partnerships with entrepreneurs from a wide range of industries. Business bankers from Citi s commercial bank are located on-site to assist as required with a variety of business banking services such as cash management, trade services and trade finance as well as treasury solutions. They also have access to business banking and investment banking capabilities through specialised units. You will be introduced to a dedicated business banker by your dedicated senior banker through a joint meeting. Simple transactional needs can be served from one of our conveniently located branches. More complex needs will be actively managed by your business banker through our operations hub. You will have access to Express Trade (a fast track trade finance and foreign exchange hedging solution). We expect that our comprehensive suite of solutions will enable you to manage your business with ease and confidence. Dedicated Business banker responsible for serving all your business banking needs Access to services such as cash management, trade services, trade finance and treasury solutions Convenient transactional capabilities through Citibank branches and operations hub

9 Insurance and Trust Over the years, you have worked hard to create wealth for your family. We believe that you should consider wealth preservation as one of your financial goals to ensure that your wealth is protected and passed on to the next generation of your family. At Citibank we can offer you access to specialists who can advice you on your very own special needs for protection and preservation. Insurance We have a team of insurance specialists who can help to prepare you financially for the future as well as for life s unforeseen events. Our insurance specialists are trained to assist you with a wide variety of insurance plans to cover your personal, business and travel protection needs. Whether it is protecting your family, education planning for your children or retirement planning for your future we can create an insurance plan tailor made for you needs. Your dedicated senior banker can introduce you to an insurance specialist located on-site to assist you with all your insurance needs. Trust Services Citigold Private Client can introduce you to Citi s personal trust and estate management advisors from Citi Trust Inc., who will be able to provide you access to wealth-structuring options that will provide you with flexibility and ensure your protection and privacy. Advisors from Citi Trust can provide specialised expertise in the establishment and operation of simple trusts and private investment companies.