Risks
This webpage does not disclose all of the risks. Investors should carefully review the Certain Risk Considerations as well as the product specific risks contained in the particular investment's offering document(s) and related material(s) for the relevant offering as posted on the CitiFirst Website. WITH THE EXCEPTION OF MARKET-LINKED DEPOSITS WHICH ARE INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC), THE NOTES ARE NOT DEPOSITS OR SAVINGS ACCOUNTS AND ARE NOT INSURED BY THE FDIC OR BY ANY OTHER GOVERNMENTAL AGENCY OR INSTRUMENTALITY. FDIC DEPOSIT INSURANCE COVERS BOTH PRINCIPAL AND ACCRUED INTEREST, SUBJECT TO HOLDING THE DEPOSIT UNTIL MATURITY AND UP TO THE APPLICABLE INSURANCE LIMIT – GENERALLY, UP TO $250,000 PER DEPOSITOR IN EACH INSURABLE CAPACITY WITH CITIBANK, N.A., AND UP TO $250,000 PER PARTICIPANT IN THE CASE OF CERTAIN “SELF-DIRECTED” RETIREMENT ACCOUNTS DEPOSITED WITH CITIBANK, N.A.

SEC Legend
The Issuer has filed a registration statement (including a prospectus and related prospectus supplement) with the Securities and Exchange Commission ("SEC") for each of the offerings to which this communication relates. Before you invest, you should read the prospectus and related prospectus supplement in that registration statement and the other documents relating to the relevant offering that the Issuer has filed with the SEC for more complete information about the Issuer and such offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the Issuer, or any agent or dealer participating in this offering, will arrange to send you the prospectus and each prospectus supplement as well as any product supplement and term sheet if you so request by calling toll-free 1-877-858-5407.