Dual Currency Investments

For Singapore Clients:

By investing in a Citibank Premium Account, you are allowing the bank to repay you at a future date in an alternate currency that is different from the currency in which your initial investment was made, regardless of whether you wish to be repaid in this currency at that time. A Premium Account is unlike a traditional bank account as it is an investment and returns may vary. Premium Account is subject to a number of risks. A Premium Account is an investment in one or more foreign currencies. It is subject to foreign exchange rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert any alternate currency into the base currency. The higher rate of interest you may earn in the Premium Account as compared to a traditional time deposit may not compensate you for the foreign exchange loss. The Premium Account is not subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and is not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers may assist you with information on any exchange controls that are relevant to the currencies in which you invest. You should note that a Premium Account is an investment product that should be held to maturity. Early withdrawal of a part of a Premium Account prior to the maturity date is not permitted. Early withdrawal of the whole of a Premium Account is permitted but strongly discouraged, because you will have to pay early termination charges and these charges will be deducted from the amount repaid under the Premium Account. As a result, the amount repaid to you may be less than the principal amount. If you wish to terminate your Premium Account prior to maturity, please contact the Bank. The Bank may, at any time at its discretion, terminate the Premium Account. This may happen, for example, if restrictions on convertibility and transferability become applicable to any of the currency in your Premium Account. In such cases, payment to you may be made in the alternate currency or another currency chosen by the Bank. You may incur a loss on the principal amount in such cases. You should obtain the advice of a licensed or an exempt financial advisor before making a commitment to enter into a Premium Account transaction. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether a Premium Account is suitable for you in light of your investment objectives, your financial means and your risk profile. For more information on a Premium Account, you should also carefully read the terms and conditions of the Premium Account. Premium Account is not available to U.S. persons and may not be available in all jurisdictions. Citibank's full disclaimers, terms and conditions apply to individual products and banking services.

The products and services mentioned above are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man. the UK, Jamaica, Ecuador or Sri Lanka. This website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

For International Personal Bank Clients:

The contents in this webpage do 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 authorized or to any person to whom it is unlawful to distribute such contents or make such an offer or solicitation.

Investments are: Not Bank Deposits • Not Bank Guaranteed • May Lose Value • Not FDIC Insured • Not Offered to US Persons • Subject to investment risks, including the possible loss of the principal amount invested

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

The information provided on this website does not constitute the marketing or offering of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, The Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

This website is registered and physically located outside of Kazakhstan. All products and services, as may be described in the marketing materials published on the website, will be offered, negotiated and rendered by the offshore bank (Citibank International Personal Bank Singapore) from outside Kazakhstan.

This advertisement has not been reviewed by the Monetary Authority of Singapore.