Citibank Transaction Advice

Dear Customer,

Please find enclosed your PDF Advice for Account number 5XXX966XX7

In our endeavor to serve you better Citibank presents an additional
feature on our Statement on Email facility - the Advices on E-mail
in an all-new user-friendly 'PDF format'!

The 'PDF format' is not just easy; it is secure, convenient, archivable
and comes with great looks and smart features.

Added Security
==============
Your PDF Advice on E-mail is 'password protected' and 128-bit encrypted
to provide you additional security.

You have a unique password assigned to you, which is the first four
letters of your first name as mentioned in your Citibank Account,
followed by your date of birth in (DDMM format).

For example;

If your name as it appears on your Citibank Account as MANOJ SINGH

and the date of birth is 23rd December 1970, and then your password
will be 'MANO2312'.

Please remember that the password is NOT case sensitive.
You also CANNOT include any special characters in the password.

Ease of Use
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reference any time.

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Market Linked Debentures/ Bonds Disclaimer :
============================================
The investment made in Market Linked Debentures ("MLD")/ Bonds will be
shown at the purchase price applicable at the time of making these
investments and is not reflective of the current market value of such
investments.
The Bank should be promptly informed of any transaction (sale/purchase)
effected in the MLD/Bonds portfolio by the client.
The investment in MLD/Bonds shall be accordingly reflected in the investment
account and the value in respect thereof shall be reflected the investment
account statement.
The revised portfolio shall be reflected in the investment account statement
only pursuant to the client informing the Bank of such transactions in their
MLD/Bonds portfolio.
These investments may simultaneously reflect in the client's
Investment and Demat account held with the bank.

Standard Investment Disclaimer:
===============================
Investment products are not bank deposits or obligations of or guaranteed by
Citibank, N.A. Citigroup, Inc or any of its affiliates or subsidiaries, are not
insured by any governmental agency and are subject to investment risks, including
the possible loss of the principal amount invested. Past performance is not indicative
of future results, prices can go up or down. Investment products are offered/ referred
by Citibank N.A. on a non -discretionary and non participation basis. All decisions to
invest and conclude transactions are based solely on the customer's independent
analysis of risk factors. 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.

This document does 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 a document
or make such an offer or solicitation. Investment products are not available to US persons,
Residents of Canada and may not be available in all jurisdictions.
Mutual Funds are subject to market risk. Please read the Key
Information Memorandum(s)/Scheme Investment Document(s)
& Statement of Additional Information/Term Sheet/Prospectus carefully before investing.

Investors should ensure that they understand and accept the identities of different
parties and the roles that they play in relation to the various Investment Product(s).
There may be various actual or potential conflicts of interest
between Citibank N.A. , India , Citigroup Capital Markets Ltd., Citigroup Inc. or their
affiliates or subsidiaries ( collectively 'Connected Persons') and an investor of the
Investment Product(s), as a result of the various investment and/or commercial
businesses and/or activities of the Connected Persons.
You shall be deemed to accept, on purchasing/ subscribing / investing to a particular
Investment Product(s), that any such conflict may exist and may be
prejudicial to an investment in the Investment Product(s).


Time Deposits Terms & Conditions
===================================
Interest calculation for all deposits booked for a period greater than three(3) months
shall be on a quarterly basis. For deposits booked for a period less than three months,
interest shall be paid on the number of days for which deposit was booked.
In case of Monthly Simple Interest Deposits interest shall be paid out on a
monthly basis at a discounted interest rate.
Mode of operation of the term deposit will be as per the signature
rules of the linked current / savings account.

IMPORTANT INFORMATION
======================
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Citibank, India