Banking that opens
the door to a
spectrum of benefits.

Enjoy day-to-day conveniences like higher limits and select fee-free services as well as longer-term considerations, such as how wealth transfer and cash management fits into a detailed financial plan.

Explore Citigold Private Client Relationship Tier banking benefits.

The Citigold Private Client Relationship Tier is designed for clients who maintain a minimum combined average monthly balance of at least $1 million in eligible linked deposit, retirement, and investment accounts.¹

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Premier banking

No monthly service fee on your checking account in the Citigold Private Client Relationship Tier.¹
Waived fees on select products and services, including stop payments, money orders, and checkbook orders.¹
Waived transfer fees for all incoming and outgoing wire transfers.²
Unlimited reimbursement of ATM fees at non-Citi ATMs globally.²
Increased limits for Zelle^® payments, Debit Card purchases, and daily ATM withdrawals.²
Enjoy no foreign exchange fees when using your Citibank Debit Card for foreign purchases and cash withdrawals.²

Preferred pricing on mortgages.²
Higher savings rates than Citigold Relationship Tier.
Pay your bills online, view account activity and, deposit checks from your Citi Mobile^® App with the highest daily limits.²
Increased limits on Citibank Global Transfers.²
Easily transfer money between your checking, savings, and linked investment accounts.
Send money to family and friends within minutes using Zelle^® person-to-person payment service.²

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Personalized service

Integrated guidance from a committed Wealth team with access to estate, trust, lending, insurance, business planning, and charitable giving specialists.
A Citigold Private Client service center, available 24 hours a day, seven days a week.

World Debit Mastercard^® peace of mind benefits

Unique Citigold Private Client metal debit card with World Debit Mastercard^® benefits.
Mastercard Zero Liability Protection — Protects you against any unauthorized purchases on your card if your card is lost or stolen.^*
Extended warranty — Doubles the time period and duplicates the coverage of the original manufacturers or U.S. store brand’s warranty for a maximum of one year.^*
Satisfaction guarantee — If you become dissatisfied with a product you purchase using your eligible Mastercard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.^*

Purchase Assurance — Purchase Assurance from Mastercard may protect you against accidental damage or theft of items that were purchased with your eligible Mastercard.^*

To file a claim or for more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard: 1-800-627-8372 , or en Español: 1-800-633-4466 . For TTY: We accept 711 or other Relay Service.

^* See Mastercard World Debit Guide to Benefit. Note: These benefits are available when using your Citigold Private Client Debit Card to make a purchase. Terms, conditions and restrictions apply. You will be provided with more information and coverages in an Explanation to Benefits. Benefits are not provided by Citibank, and Mastercard or its service providers are solely responsible for providing them.

Get integrated wealth management, investing, and banking with the Citi Mobile^® App²

See a 360 view of your finances

See investments, credit cards, loans, and bank balances in one place for both Citi and non-Citi accounts.

Connect with your dedicated Wealth team

Schedule appointments and quickly connect with your dedicated Wealth team in one tap.

Make payments & transfer funds

Pay bills and transfer funds between banking and brokerage accounts. Move money abroad with Citi Global Transfers.²

Manage your investments from Citi Personal Wealth Management

Buy and sell equities, exchange traded funds (ETFs) and mutual funds. Plus, get market news, quotes, and create watch lists.

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download citi mobile app from google play

Text 'APY17' to 692484 for a link to download the app.²

Citi is here to help you meet your financial goals.

Sign on to schedule an appointment with your Wealth Team.

If you would like to start another Citigold Private Client relationship call the
Citigold Private Client
Services Center: 1-888-500-5008 |
For TTY: We accept 711 or other Relay Service.

Citigroup Inc. and its affiliates do not provide tax or legal advice.

As a client in the Citigold Private Client Relationship Tier, you can receive banking and lending services, including the Citigold Private Client Relationship Tier, from Citibank, N.A.(“Citibank”), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC . Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

For insurance and investments, Wealth Relationship Managers offer only term and single premium life insurance and fixed annuities. If a potential need is identified for, or you express an interest in, other insurance or investment products, you will be referred to a financial professional who offers those products. The purchase of fixed insurance and annuity products will require for administrative purposes the opening of a limited purpose investment account, that will not accommodate securities transactions.

The products and services mentioned herein are not offered to individual residents in Europe, including the European Union, European Economic Area, Switzerland, the United Kingdom, and similar countries. Your eligibility for a particular product and service is subject to a final determination by Citibank and its affiliates. This is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the banking or financial products mentioned herein to individuals outside of the United States.

Product & Pricing Information

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Pricing & Fee Waivers

Account Monthly Service Fees^* and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking accounts when the account has $250 or more in Enhanced Direct Deposits (“EDD”).^** In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts when the account has an Average Monthly Balance of $500 or more, or if an owner of the Savings account also owns a Regular Checking account or Access Checking account. Tier Exclusions apply to certain customers through separate notice.

Unless a waiver applies as described above, monthly service fees are as follows:

Deposit Account	Monthly Service Fee
Access Checking	$5.00
Regular Checking	$15.00
Savings^***	$4.50

^*Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Consumer Deposit Account Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.

^**An Enhanced Direct Deposit (EDD) is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An EDD also includes Zelle^® incoming payments and other funds from person-to-person (P2P) payments when transferred through the ACH Network using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, debit card funding transfers, and P2P payment transfers sent to a Citibank debit card do not qualify as EDDs. Any funds transferred from another financial institution or P2P provider through an instant transfer service will also not qualify as an EDD.

^***Citi Miles Ahead^SM Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.

Accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion.

Relationship Tier & Re-Tiering Information

Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account (“New-to-Relationship customers”) may choose their Relationship Tier when opening a deposit account. If you are a New- to-Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold^® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold^® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month.

All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.

^*Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Consumer Deposit Account Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are excluded from EDI accounts: accounts owned by Estates, COMMA accounts, Collateral Holding accounts, Secured CD accounts, certain personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, and accounts opened through Citi Global Wealth at Work and Citi Private Bank.

Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New-to-Relationship customers will not be impacted by Re-Tiering until the 1st day of the fourth full month after account opening. The Relationship Tier for existing customers can change in any month. To move to a higher Relationship Tier, you must sustain that Relationship Tier's minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier's minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we'll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking.

Family Linking

If you are a deposit customer and choose to enroll in Family Linking with Eligible Family Members (“Members”), your family Combined Average Monthly Balance (CAMB) may be higher than your individual CAMB, entitling you to join Relationship Tiers offering benefits such as higher Annual Percentage Yields and certain fee waivers. Only Immediate Family Members living at the same residential address can participate in a Family Link and restrictions apply. Although Members will not have access to accounts they do not own, they will see the CAMB range for the Family Link. When deciding to join a Family Link, customers should evaluate their privacy needs along with their need for combined balance advantages. You can terminate that membership in a Family Link at any time by calling us or visiting a branch. Please see definition of Members in the Family Link section of the Consumer Deposit Account Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts.

Additional Information

Please review your Consumer Deposit Account Agreement for a complete list of waived and reduced fees.

Not all benefits are available at account opening.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Everyday Benefits

All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.

65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank^® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass^® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile^® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.

Citi Mobile App and Mobile Check Deposit. In order to use digital features on Citi Online or the Citi Mobile^® App including merchant offers and money movement products, like Mobile Check Deposit and Zelle^® payments, you must agree to receive monthly statements and some legal notices electronically, only, when setting up digital access if you have not previously agreed. You can change your delivery preferences at any time after registration by managing the paperless settings for your account, and you’ll continue to have access to digital features.

Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile^® App or the Mobile Check Deposit service. You must have Internet access through your mobile device and charges from your wireless carrier may apply. Deposit limits and other restrictions apply. The Citi Mobile^® App is available for use with compatible mobile devices. Citi is not responsible for third party mobile app and other digital wallet providers where you use your Citi^® card for payment. Message and data rates may apply.

No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.

You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.

Commission-free Trading. Commission-free trading of ETFs excludes leveraged and inverse ETFs and applies only to trades placed online and on the Citi Mobile^® App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. Account service fees may also apply. There are other costs associated with ETF and mutual fund investing, such as management fees and expenses.

Citi Self Invest. Citi Self Invest is a digital self-directed investment platform of Citi Personal Wealth Management.

Citi Mortgage Relationship Pricing. A Citibank deposit account and automated monthly transfers of the mortgage payment from a Citibank personal deposit account using automated drafting will be required to receive Citibank mortgage relationship pricing. Ask a mortgage representative for details on eligible balances and the qualifying closing cost credit or rate discount. Availability of the Citibank mortgage relationship pricing for Citibank account holders is subject to change without notice.

Lending products offered by Citibank, N.A. NMLS ID 412915. Equal Housing Lender.

Zelle^® Payments. Zelle^® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may send money to almost anyone with a U.S.-based bank account. Terms, conditions and restrictions apply. For the protection of your account, Zelle^® should only be used to send money to those you know and trust. Neither Citibank nor Zelle^® offer a protection program for any authorized payments made with Zelle^® — for example, if you make a purchase using Zelle^® but you do not receive the item or the item is not as described or as you expected. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Citi Priority Benefits

Everyday benefits information above, plus:

As a client in the Citi Priority Relationship Tier, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (“CGMI”), member SIPC . Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.

Citi Personal Wealth Management Investment Account Fee Waiver. The annual fee for Citi Personal Wealth Management Investment accounts is waived for the Citi Priority, Citigold and Citigold Private Client Relationship Tiers.

Discounts on Citi Personal Loans. Personal loans and lines subject to credit approval. Certain limitations may apply.

Increased Limits. Increased limits for Zelle^® transfers, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.

Citi reserves the right to temporarily reduce your limits to protect the security of your account. Your limits may be lower if you are recently enrolled in Zelle^® or you have made a change to your enrolled phone number, email address or linked account number.

Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires in foreign currency that are initiated through Citi Online or Citi Mobile. All other wire transfers, including wire transfers in foreign currency initiated at a branch or assisted by a banker and wire transfers in U.S. dollars, are subject to the fees described in your Consumer Deposit Account Agreement. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service.

Citigold Benefits

Citi Priority benefits information above, plus:

As a client in the Citigold Relationship tier, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC . Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi does not provide tax or legal advice.

Access to Citigold Lounges. Verification of Citigold status may be required for access to Citigold lounges in the form of a photo ID and a current Citigold debit card or other proof of current Citigold status. Citigold lounges may have varying degrees of amenities offered, may have differing policies on admittance, and may restrict admittance during the times of invitation-only functions. The depiction of some Citigold lounges may be based on artist rendering or representative real estate. Opening hours and days may change due to the holidays, natural disasters, and other events. Citigold clients may obtain the most up-to-date information on the Citigold lounges available to them by contacting their relationship manager.

ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.

Citigold Banking Relationship Annual Credit: To qualify for the Banking Relationship Annual Credit, the primary cardmember must have an open and current Citi/AAdvantage Executive Card account or Citi Strata Elite Card account with an assessed Annual Membership Fee of $595. Cardmembers paying an annual fee of $595 will earn a $145 statement credit in the first year of cardmembership and a $145 statement credit each cardmembership year thereafter. The primary cardmember must also be an owner of a deposit account in the Citigold^® Relationship Tier on the date Your Annual Fee is charged to your Card Account. Existing deposit customers who are not in the Citigold^® Relationship Tier and intend to Up-Tier to the Citigold^® Relationship Tier must meet Balance Range requirements for three consecutive months to be Up-Tiered to the Citigold^® Relationship Tier the first day of month four. Existing deposit customers who enroll and meet Tier Acceleration requirements can Up-Tier in the next month. All Up-Tiering changes are effective on the first day of the month. The statement credit will be posted to your Card Account within three billing cycles after the date your Annual Fee is charged to your Card Account.

Citigold Standard Design Checkbook Waiver. Fees for Citigold standard design checkbook are waived. A fee will be charged for non-standard design checkbook order (includes non-standard design, non-standard lettering, non-standard cover and non-standard logos).

Citigold Culture Pass. For customers in the Citigold or Citigold Private Client Relationship Tiers, Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum (Guggenheim), and The New York Botanical Garden (NYBG) benefit provides complimentary daytime admission (weekdays and weekends during normal business hours) for a client and one guest. Subject to availability. Subject to change at any time.

Customers who own a Citibank deposit account associated with an active Citigold or Citigold Private Client CPC branded debit card (“Debit Card”) entitle the customer named on the Debit Card to participate in Citigold Culture Pass. Citigold Culture Pass provides complimentary access to cultural attractions. Separate identification may be required to confirm ownership of the Debit Card and receive Citigold Culture Pass benefits.

Limitations may apply. For information about participating organizations and access requirements, please see https://citigold.citi.com/culturepass/.

Unless otherwise indicated, ticket(s) must be obtained in advance by purchasing online and clicking “Get Offer Code”. Reach out to your Wealth Advisor to obtain a Unique Code. To enter, you will be required to present your ticket, a Citigold or Citigold Private Client Debit Card (as applicable), and a valid ID.

MoMA — You may be able to obtain your tickets with your Unique Code in person the same day of entry subject to availability.

Guggenheim benefit is available at the New York City Museum location only. Visitors must obtain tickets in person. You must use a Citigold or Citigold Private Client Debit Card and a valid ID for entry. Ticket availability subject to change due to yearly limits, Once the ticket limit is exceeded this benefit will no longer be available.

NYBG offers complimentary All-Garden Pass admission. Restrictions may apply when entry is moderated by timed ticketing; Holiday Train Show may be subject to limited blackout dates. To visit NYBG, reserve a time online in advance.

Benefits are valid during 2025 and benefits are subject to change at any time. Citi is not affiliated with the MoMA, Solomon R. Guggenheim Museum, or The New York Botanical Garden.

Citibank Global Transfer. Customer must have an eligible checking, savings or money market account to send a Citibank Global Transfer. Transfer limits apply and are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. Citibank Global Transfers are limited to select countries. If the transfer is made in a foreign currency, the exchange rate includes a commission for the currency conversion. Please refer to your Consumer Deposit Account Agreement for additional information about this service.

Citigold Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold customers.

Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Additional persons with a joint account or a Family Link to an Eligible Customer, as well as, persons living at the same residential address, will not be invited to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. Eligible Customers must have a U.S residential address and purchase U.S based subscription services with their Citibank^® Debit Card as follows:

Costco	Purchase on Costco’s website, over phone or in Costco warehouses
TSA PreCheck^®	Purchase at enrollment centers after applying online
Amazon Prime, Hulu^®, Spotify Premium, Global Entry	Purchase on merchant websites

Eligible Customers must be Citigold customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates may post up to 8 weeks after your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck^® trademark is used with the permission of the U.S. Department of Homeland Security.

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

World Wallet Currency Exchange. Ordering limits apply. The exchange rate for a purchase or redemption of foreign currency includes a commission to Citibank for the conversion service. Restrictions and delivery charges may apply.

Home Connect Service. Access a Home Connect Customer Service Representative by calling the international collect number for Citibank customers at 210-677-0065. For Citigold customers, call 1-800-CITICODE or call collect at 210-677-3789.

Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the U.S. and Puerto Rico. Please review your Consumer Deposit Account Agreement for a complete list of waived and reduced fees and charges for the Citigold Relationship Tier.

Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires initiated through Citi Online or Citi Mobile. Wire transfers initiated through a branch or assisted by a banker are subject to fees. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Consumer Deposit Account Agreement for additional information.

Toll-free Access. Toll-free access to the U.S. Citigold Service Center when traveling requires a checking account and Citigold Relationship Tier.

Citigold Private Client Benefits

Citigold^® benefits information above, plus:

As a client in the Citigold Private Client Relationship Tier, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC . Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citigroup does not provide tax or legal advice.

Citigold Private Client Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold Private Client customers.

Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Additional persons with accounts Family Linked to an Eligible Customer who live at the same residential address, will not be invited or eligible to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. Eligible Customers must purchase U.S based subscription services with their Citibank® Debit Card as follows:

Costco^®	Purchase on Costco’s website, over phone or in Costco warehouses
TSA PreCheck^®	Purchase at enrollment centers after applying online
Hulu^®, Amazon Prime^®, Spotify Premium, Global Entry, Blade^®	Purchase on merchant websites
The Wall Street Journal	Purchase on The Wall Street Journal website or over phone

Eligible Customers must be Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates may post up to 8 weeks after your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck^® trademark is used with the permission of the U.S. Department of Homeland Security.

The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc.

Citigold Private Client Cardmember Banking Relationship.

New cardmember pricing for Citi^® / AAdvantage^® Executive World Elite Mastercard^®

To qualify for the Banking Relationship First Year and Annual Credits, the primary cardmember must have an open and current Citi^® / AAdvantage^® Executive Card account with an assessed Annual Membership Fee of $595. Cardmembers paying an annual fee of $595 will earn a $595 statement credit in the first year of cardmembership and a $145 statement credit each cardmembership year thereafter. The primary cardmember must also be an owner of a deposit account in the Citigold^® Private Client Relationship Tier on the date Your Annual Fee is charged to your Card Account. Existing deposit customers who are not in the Citigold^® Private Client Tier and intend to Up-Tier to the Citigold^® Private Client Relationship Tier must meet Balance Range requirements for three consecutive months to be Up-Tiered to the Citigold^® Private Client Relationship Tier the first day of month 4. Existing deposit customers who enroll and meet Tier Acceleration requirements can Up-Tier in the next month. All Up-Tiering changes are effective on the first day of the month. The statement credit will be posted to your Card Account within three (3) billing cycles after the date your Annual Fee is charged to your Card Account.

ADMIRALS CLUB^® MEMBERSHIP AND CREDIT CARD AUTHORIZED USER ACCESS: Only Citi^® / AAdvantage^® Executive World Elite Mastercard primary credit card members who are eighteen (18) years of age or older will receive full membership access privileges to Admirals Club^® lounges. An authorized user of the Citi^® / AAdvantage^® Executive World Elite Mastercard who is eighteen (18) years of age or older will receive access privileges to American Airlines Admirals Club^® lounges. Full Admirals Club^® membership privileges do not apply to a credit card authorized user. An Admirals Club^® membership includes access to other airline lounges and clubs with which American Airlines may have reciprocal lounge or club access privileges. Membership also includes special pricing on conference rooms and other special offers that are available exclusively to Admirals Club^® members. Neither membership nor the credit card Authorized User access benefit provides access privileges to the Arrivals Lounge, International First Class Lounges, or Flagship^® Lounge facilities, including Flagship^® First Dining. Additionally, the credit card Authorized User access benefit does not provide: (i) access privileges to other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges; or(ii) special pricing on conference rooms or other special offers. To locate a current list of Admirals Club^® lounges please visit aa.com/admiralsclub. To access an Admirals Club^® lounge, primary credit card members and credit card authorized users must present: (i) their (a) active and valid Citi^® / AAdvantage^® Executive World Elite Mastercard or (b) with respect to primary credit card members only, AAdvantage^® number; (ii) their current government-issued I.D.; and (iii) a boarding pass for same-day travel on an eligible flight, which includes any departing or arriving flight that is(1) marketed or operated by American Airlines, (2) marketed and operated by any oneworld^® carrier, or (3) marketed and operated by Alaska Airlines; and(iv) any additional documentation required by American Airlines. Either immediate family members (spouse or domestic partner and children under eighteen (18) years of age) or up to two (2) guests traveling with the primary credit card member or authorized user may be admitted for free when accompanied by the primary credit card member or authorized user. Family members and guests must present a same-day boarding pass for an eligible flight as defined above. All persons must be of valid drinking age, based on applicable law, to consume alcohol. If the primary credit card member is an Admirals Club^® member on the date his or her Citi^® / AAdvantage^® Executive World Elite Mastercard card account is approved by Citi and has sixty (60) or more days remaining on such credit current Admirals Club^® membership, he or she is eligible to receive a prorated refund from American Airlines for any unused portion of his or her current Admirals Club^® membership fee. The refund will be a prorated amount of the annual membership fee calculated based on the number of days remaining on such primary credit card member's current Admirals Club^® membership as of the date his or her Citi^® / AAdvantage^® Executive World Elite Mastercard card account is approved by Citi. Refunds will be automatically made in the original form of payment within twelve (12) weeks of becoming a Citi^® / AAdvantage^® Executive World Elite Mastercard credit card member. Memberships redeemed with Business Extra points, Lifetime Admirals Club^® members and AirPass members with Admirals Club^® privileges are not eligible for a refund. Upon closure of the Citi^® / AAdvantage^® Executive World Elite Mastercard account, all Admirals Club^® benefits and access associated with the account will be immediately terminated, including, but not limited to, all benefits afforded to authorized users. All Admirals Club^® membership rules, terms and conditions apply. AMERICAN AIRLINES RESERVES THE RIGHT TO MODIFY ANY OR ALL RULES, TERMS AND CONDITIONS AT ANY TIME WITHOUT NOTICE. SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY AND INCORPORATED INTO THIS AGREEMENT. BY ACCESSING ANY ADMIRALS CLUB^® LOUNGE YOU SHALL BE DEEMED TO HAVE ACCEPTED THE ADMIRALS CLUB^® TERMS AND CONDITIONS. To review the complete Admirals Club^® membership terms and conditions, visit aa.com/admiralsclub.

4X AADVANTAGE^® MILES ON AMERICAN AIRLINES PURCHASES: Earn 1 AAdvantage^® base mile and 3 AAdvantage^® bonus miles, for a total of 4 AAdvantage^® miles, for each $1 spent on eligible American Airlines purchases using your Citi^® / AAdvantage^® Executive World Elite Mastercard. Upon reaching $150,000 in spend on your Citi^® / AAdvantage^® Executive World Elite Mastercard in a calendar year, earn 1 base mile and 4 AAdvantage^® bonus miles, for a total of 5 AAdvantage^® miles, for every $1 spent on eligible American Airlines purchases for the remainder of that calendar year. Purchases must post to your account by December 31st each calendar year to be eligible to earn a total of 5 AAdvantage^® miles for every $1 spent. The Primary credit cardmember and any Authorized Users on the credit card are eligible for this benefit.

Eligible American Airlines purchases are items billed by American Airlines as merchant of record, booked through American Airlines channels (aa.com, American Airlines reservations, American Airlines Admirals Club^®, American Airlines Vacations, and American Airlines airport and city ticket counters). Products or services that do not qualify are purchases of AAdvantage^® status boost or renewal and AA CargoTM products and services. AAdvantage^® miles earned will be posted to the Primary credit cardmember’s AAdvantage^® account in 8-10 weeks.

Citi Bike Membership. Complimentary, one–year Citi Bike memberships for Citigold Private Clients are limited to two (2) per household for households located in New York, New Jersey, or Connecticut only. A Citi Bike annual membership includes unlimited 45–minute rides on a classic bike. Any extra fees beyond the cost of the annual membership, including but not limited to fees incurred for any extra time, ebike upgrades, or lost/stolen bikes, are not included in the annual membership and are the responsibility of the Citi Bike member. Subject to availability and change in terms at any time.

For more information about the Citi Bike program and annual membership, visit https://www.citibikenyc.com/.

The Citi Bike^® Program in New York is operated by Lyft Bikes and Scooters, LLC. Citibank, N.A. and Lyft Bikes and Scooters, LLC are not affiliated companies and Citibank, N.A. has no liability for the operation of the program. Citi Bike, Citi Bike and Arc Design and the Blue Wave are registered service marks of Citigroup Inc.

Increased Citibank Global Transfer. Increased limits as compared to clients not enrolled in a Relationship Tier. Customer must have a checking, savings or money market account to send a Citibank Global Transfer. Transfer limits apply and are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. The Citibank Global Transfer Service is available only in participating locations.

Increased Mobile Check Deposit Limits. The higher mobile check deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions.

Mastercard Travel Services. Mastercard Travel Services are provided by a third party. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel Services. Certain terms, conditions and exclusions apply. Full details are available at https://citigoldprivateclient.travel.mastercard.com.

Citi is not responsible for products and services offered through Mastercard Travel Services.

Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.