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Smart Tips Branch & ATM listing Quarterly Newsletter Your goals. Your success. January 2010

CONVENIENCE OF ONE BILL BRANCHES AMK Hub Branch^ Great World City Branch Branch ^ 53 Avenue 3 1 Kim Seng Promenade, #01-51 80 Marine Parade Road Weary of all the time and effort it takes to make Ang Mo Kio Hub #03-02/03 Holland Village Branch #01-11B/C & #01-02 payments for multiple bills? Bishan Branch^ 259 Holland Avenue Tampines Plaza Branch 200 Bishan Road #01-03 Jurong East Branch Tampines Central 1 #01-01 Capital Square Branch 21 Jurong East St 13 #01-02 (Opposite CPF Tampines Building) With Citibank Checking and Savings One Bill 23 Church Street #01-01 CPF Jurong Building VivoCity Branch^ Payment Service, your monthly utility, tax and Cuscaden Road Branch Orchard Road Branch ^ 1 HarbourFront Walk telecommunication bills can be paid automatically 50 Cuscaden Road #02-02 40A Orchard Road #01-00 #01-143 VivoCity HPL House Paragon CitiGold Centre using a single account. Esplanade Branch 290 Orchard Road, #14-07/09 1 Raffles Link #01-01 Concierge Counter^ #01-25B Enjoy the benefits of One Bill INSTANT BANKING CENTRES • Automatically pay your bills on time every month Citibank Instant Banking Citibank Instant Banking Citibank Instant Banking Centre (Bedok)^ Centre (City Hall)^ Centre (Tampines) ^ and avoid unnecessary penalties for late payment Bedok SMRT Station #01-01 City Hall SMRT Station Tampines SMRT Station Citibank Instant Banking #B1-01 #01-14 • Consolidate multiple bills into a single statement Centre (Boon Lay)^ Citibank Instant Banking Citibank Instant Banking Boon Lay SMRT Station Centre (Changi Business Park) Centre (Tiong Bahru)^ • No more tracking of payment due dates or queuing #01-15 No.3 Changi Business Park Tiong Bahru SMRT Station Citibank Instant Banking Crescent #01-00 #B1-01 up to make bill payments Centre (Bugis)^ Citibank Instant Banking Bugis SMRT Station, #B1-02 Centre (Shaw House) What’s more, we’ve made signing up for One Bill 350 Orchard Road, #01-02 hassle-free! You can now sign up for One Bill over the phone, no more hassles of checking for your DRIVE-THRU ATMs Capital Square (Carpark) Esso Toa Payoh Esso NEW account numbers or filling up a form. Simply call 23 Church Street 600 Hougang Avenue 3 399 Toa Payoh Lorong 2 Choa Chu Kang Esso Kovan Esso NEW Yarwood Esso The perfect our phoneline at 6333 9000 (between 9am to 5pm) 31 Choa Chu Kang Way 866 Upper Serangoon Road 870 Dunearn Road and we will do the rest. Newton Esso Tampines Esso 30 Dunearn Road 40 Tampines Avenue 9 partner for your Participating merchants include: ATMs banking needs. Ang Mo Kio Esso NEW Eastwood Cold Storage NEW Sembawang Esso NEW 2761 Ang Mo Kio Avenue 5 20 Eastwood Road 590 Sembawang Road #01-07/09 Bukit Timah Esso NEW Sengkang Esso NEW 751 Bukit Timah Road Eastwood Centre 211 Punggol Road Chevron House Funan DigitaLife Mall StarHub Green NEW Citibank provides you with complete 30 Raffles Place, #01-K8 109 North Bridge Road, #01-K1A 67 Ubi Avenue 1 Clementi Arcade Cold Storage NEW International Business Park Tang Plaza solutions for your banking needs. 41 Sunset Valley, #01-01A 2 International Business NEW 320 Orchard Road, Park, The Strategy Level 1 Changi International Basement 1 Airport Terminal 2 Millenia Walk NEW Arrival Meeting Hall 9 Raffles Boulevard UE Square Cold Storage 81 Clemenceau Avenue #02-18 Departure Hall #01-13A/B, Terminal 3 Level 1 West Coast Esso NEW Check-in Hall South (Near Information Counter) 181 West Coast Road Departure Hall Paragon Woodlands Esso NEW (Transit Lounge South) 290 Orchard Road, 50 Woodlands Avenue 1 Level 1 Basement 1

Visit www.citibank.com.sg for the full listing of Citibank ATM locations. ^ Instant Credit Card Issuance service available.

For more information, please call our 24-Hour CitiPhone Banking at (65) 6225 5225.

Citibank full disclaimer, terms and conditions apply to individual products and banking service. ©2010 Citibank. Citibank is a registered service mark of Citigroup Inc. Citi never sleeps is a service mark of Citigroup Inc. Co. Reg. No. 200309485K Printed on 01/2010

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Highlights Special Feature Special Feature

GREATER CONVENIENCE FOR BANKING ON THE MOVE CITIBANK VISA TROLLEY DASH CHALLENGE RETIREMENT PLANNING Planning for retirement is a marathon and not a sprint With a commitment to serve you better, we have 12 To enjoy your golden years, new ATMs located islandwide — at SMRT stations, Cold early planning and disciplined Storage Supermarkets, Esso Petrol Stations and saving is required. Start saving more, providing you 24-hour access to your accounts from a younger age and you will and letting you perform banking transactions daily, need to put aside less over the when you are on the move. years to meet your financial goals. As a rule of thumb, you will need to have a post retirement income New ATM New Drive-Thru ATM Clementi Arcade Cold Storage Toa Payoh ESSO of roughly two-thirds of your last 41 Sunset Way #01-01A 399 Lorong 2 Toa Payoh drawn salary to continue a similar New ATM lifestyle during retirement. New ATM Ang Mo Kio ESSO New Drive-Thru ATM 2761 Ang Mo Kio Ave 5 2 International Business Kovan ESSO Park, The Strategy 866 Upper Serangoon Road Ways to build and secure your retirement funds You can start by depositing a portion of your income North New ATM in a bank account. Although it is a safe and low risk 2 Branches Eastwood Cold Storage 3 Drive-Thru ATMs 20 Eastwood Road #01-07/09 Win up to S$1,000 worth of grocery shopping in the 34 Citibank ATMs option, interest rates are typically low. 18 ATM5 ATMs Citibank Trolley Dash Challenge. West • Another way to build your retirement fund is by 3 Branches East 1 Drive-Thru ATM 5 Branches 35 Citibank ATMs 1 Drive-Thru ATM Nine lucky winners will get to grab as much as they investing in stocks and unit trusts. These investments 17 ATM5 ATMs Central/ 31 Citibank ATMs • • South • 22 ATM5 ATMs carry a relatively higher level of risk but can potentially • 12 Branches • can at Cold Storage on 20 March 2010 and you could 3 Drive-Thru ATMs • • 69 Citibank ATMs reap higher returns. 5 be one of them. • • 42 ATM ATMs • • New ATM Starhub Green Life Insurance is another attractive option to help you 67 Ubi Ave 1 From now till 28 February 2010, every purchase that New ATM save for your golden years. It typically provides higher SMRT Joo Koon you make with your Citibank ATM/Debit Card, will 91 Joo Koon Circle New ATM returns than deposits and offers more security than UE Square Cold Storage New ATM entitle you to 1 chance to participate in the Citibank 81 Clemenceau Ave #02-18 stocks and unit trusts. Plus, it allows you to save New ATM SMRT Buona Vista Trolley Dash Challenge. There’s never been a better SMRT Pioneer 100 North Buona Vista Road methodically each month, while providing you with 31 Jurong West Street 63 time to spend on your Citibank ATM/Debit Card. New ATM some insurance protection. West Coast ESSO So hurry! 181 West Coast Road

SMS CITILIFE to 72484 to find out how CITIBANK Experience convenient banking services islandwide at can play a part in your retirement plans! our ATMs today! For a full listing of our ATMs, please visit www.citibank.com.sg. Important Notes Insurance Products are obligation only of the Insurance Company. They are not bank deposits or obligations of or guaranteed by Citibank Limited, Citigroup INC or any of their affiliates or subsidiaries. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs For the full terms and conditions, please visit and the surrender value may be less than the total www.citibank.com.sg premiums paid.