LL2625826258 117683076830 GGCBCB NNewsletterewsletter SSI.aiI.ai 111/2/091/2/09 110:19:480:19:48 AMAM

Smart Tips Branch & ATM listing Quarterly Newsletter Your goals. Your success. November 2009

Mobile Banking BRANCHES AMK Hub Branch^ Great World City Branch Paragon CitiGold Centre Introducing Mobile 53 Avenue 3 1 Kim Seng Promenade 290 Orchard Road Ang Mo Kio Hub #03-02/03 #01-51 #14-07/09 Banking - the Concierge Counter^ #01-25B Bishan Branch^ Holland Village Branch ^ fastest way to bank 200 Bishan Road #01-03 259 Holland Avenue NEW Branch 80 Marine Parade Road on the move. Capital Square Branch Jurong East Branch #01-11B/C & #01-02

mobile 23 Church Street #01-01 21 Jurong East St 13 #01-02 From receiving CPF Jurong Building Tampines Plaza Branch Cuscaden Road Branch Tampines Central 1 #01-01 (Opposite CPF Tampines Building) instant account 50 Cuscaden Road #02-02 Orchard Road Branch^ HPL House 40A Orchard Road #01-00 information with VivoCity Branch^ Esplanade Branch 1 HarbourFront Walk Citi Alerts to transferring funds with Citi Mobile, 1 Raffles Link #01-01 #01-143 VivoCity you can now manage your finances wherever you are. INSTANT BANKING CENTRES Citibank Instant Banking Citibank Instant Banking Citibank Instant Banking Centre (Bedok)^ Centre (City Hall)^ Centre (Tampines)^ No application download and enrolment required to Bedok SMRT Station City Hall SMRT Station Tampines SMRT Station use Citi Mobile #01-01 #B1-01 #01-14 Citibank Instant Banking Citibank Instant Banking Citibank Instant Banking View the latest balance and transaction details on ^ C Centre (Boon Lay)^ Centre (Shaw House) Centre (Tiong Bahru) your accounts Boon Lay SMRT Station 350 Orchard Road Tiong Bahru SMRT Station #01-15 #01-02 #B1-01 M Transfer funds and pay your bills easily Citibank Instant Banking Changi Business Park Branch No.3 Changi Business Park Y Instant account information via SMS with Citi Alerts Centre (Bugis)^ Bugis SMRT Station Crescent #01-00 NEW #B1-02 CM Search for the best dining deals from Citibank Gourmet Pleasures DRIVE-THRU ATMs MY Locate the nearest Citibank branch or ATM via Capital Square (Carpark) Choa Chu Kang Esso Esso Enjoy the ease CY FindMyCiti 23 Church Street 31 Choa Chu Kang Way 600 Hougang Ave 3 NEW NEW Check out the top 5 deals Newton Esso Tampines Esso Yarwood Esso and convenience that CMY 30 Dunearn Road 40 Tampines Avenue 9 870 Dunearn Road NEW NEW K To get started, login to citibank.com.sg on your comes with your mobile with your card number and PIN. ATMs Citibank ATM AMK Hub Citibank ATM Millenia Walk Citibank ATM Ang Mo Kio Hub #01-02 #01-13A/B Millenia Walk Press Holdings Citibank relationship. 1000 Toa Payoh North Travel Insurance Citibank ATM Caltex House Citibank ATM Paragon SPH News Centre 30 Raffles Place #01-K8 290 Orchard Road Level 1 Citibank ATM Singapore With the year end travel Citibank ATM Basement 1 National Eye Centre Esplanade Mall 11 Third Hospital Avenue Banking made easy for you. season just round the 1 Esplanade Drive #02-K1 Citibank ATM Parkway Parade Citibank ATM corner, enjoy your travel Citibank ATM Funan 80 Marine Parade Level 1 Tampines Plaza DigitaLife Mall Ground Floor with peace of mind and 109 North Bridge Road Citibank ATM Singapore 5 Tampines Central 1 #01-K1A Changi International Airport total protection with our Terminal 2 Citibank ATM Tang Plaza Citibank ATM Hersing Hub Arrival Meeting Hall 320 Orchard Road 742, Lorong 5 Toa Payoh Phone and Travel plan. Departure Hall Level 1 Basement 1 Citibank ATM Holland Village Terminal 3 Check-in Hall South #01-05 Citibank ATM VivoCity Departure Hall The plan is designed Holland Shopping Centre #01-05 VivoCity (Transit Lounge South) to address all your Citibank ATM travel needs, giving you coverage for emergency 9 Bishan Place #01-K11 medical needs, overseas hospitalisation, as well as Visit www.citibank.com.sg for the full listing of Citibank ATM locations. other travel inconveniences such as lost luggage, flight ^ Instant Credit Card Issuance service available. delays and cancellations. For more information, please call our 24-Hour CitiPhone Banking at (65) 6225 5225. Simply call our 24-Hour CitiPhone Banking at Citibank full disclaimer, terms and conditions apply to individual products and banking service. (65) 6225 5225 to activate your plan now! ©2009 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 10/2009

LL2625826258 117683076830 GGCBCB NNewsletterewsletter SSI.aiI.ai 111/2/091/2/09 110:19:330:19:33 AMAM

Highlights Special Feature Special Feature

THE CONVENIENCE OF BANKING ON THE MOVE INVESTMENT INSURANCE

Fact No. 1 With a commitment to serve you better, we have new Evergreen Investment Tips + 63% of health expenses in Singapore are paid ATMs located at nine Esso Petrol Stations, providing you • Invest Regularly and Invest for Long-term: ”out of pocket” 24-hour access to your accounts and letting you perform It is never too late or too early to start your financial Source: World Health Statistics 2009 by WHO, data as of 2006 banking transactions daily, when you are on the move. journey. The earlier you start, the better it is for your financial future. Investing regularly for long-term is a + Fact No. 2 prudent approach that will help average your investment The average MediSave account is at $14,900, only enough New ATM costs overtime, especially during volatile times. for 11 days in a Class B2 Hospital Ward. New ATM Sembawang Woodlands Esso Petrol Station Source: Ministry of Health Statistics, data as of end 2008 Esso Petrol Station 590 Sembawang Road http://www.moh.gov.sg/mohcorp/statistics.aspx?id=5974 50 Woodlands Avenue 1 • Be Diversified and Manage on a Portfolio Basis: No one can predict where markets will head at any New Drive-Thru ATM point in time. During volatile times, it is natural for Fact No. 3 New Drive-Thru ATM Hougang + Choa Chu Kang Esso Petrol Station investors to become more risk-averse. As such, it is ”A very large medical bill can easily 600 Hougang Ave 3 Esso Petrol Station important to be positioned with a suitably diversified wipe out your Medisave balance, as it is 31 Choa Chu Kang Way portfolio with a variety of asset-classes like equities and only a savings account. For this reason, C New ATM bonds according to your risk appetite. This will give you you are advised to take up MediShield North Sengkang M 2 Branches Esso Petrol Station a better chance of achieving your financial goals. or an appropriate private Integrated 1 Drive-Thru 211 Punggol Road 28 Citibank ATMs Shield Plan in order to stretch your Y 16 ATM5 ATMs • Review and Rebalance Portfolios: Medisave dollars.”

CM West Source: Ministry of Health 3 Branches East Constant review and rebalancing of investment portfolios 1 Drive-Thru 5 Branches http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=306 MY 28 Citibank ATMs 1 Drive-Thru in light of changing financial situations, investment 16 ATM5 ATMs 29 Citibank ATMs Central/ 20 ATM5 ATMs objectives and market conditions is essential for CY South Shield against unexpected medical expenses with PruShield. 12 Branches successful long-term investments. 3 Drive-Thru 63 Citibank ATMs + Reimbursement of medical expenses including CMY 43 ATM5 ATMs pregnancy complications K New Drive-Thru ATM Make your money work harder, with Citibank’s Regular + Guaranteed lifetime renewability Tampines + Policy year claim limits increase with medical cost inflation Esso Petrol Station Savings Plan. New ATM 40 Tampines Avenue 9 + Affordable premiums with MediSave or cash Bukit Timah Road The earlier you start, the longer your investments have Esso Petrol Station the opportunity to grow. Complement your PruShield plan with PruShield Extra, a 751 Bukit Timah Road New Drive-Thru ATM Yarwood New Drive-Thru ATM A Regular Savings Plan is probably one good way to cash premium plan for first dollar coverage Esso Petrol Station Newton 870 Dunearn Road Esso Petrol Station weather the ups and downs of investing and focus on + Pays for your deductible and co-insurance 30 Dunearn Road building a long-term portfolio. Protect you and your family today! Experience convenient banking services islandwide at SMS CITIPRUSHIELD to 72484 now! our ATMs today! For a full listing of our ATMs, please Visit any of our Citibank Branches Our Insurance Specialist will contact you visit www.citibank.com.sg to find out more. within 3 working days. Insurance Products are obligation only of the Insurance Company. They are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited. Citigroup INC Not bank deposits • Not bank guaranteed • May lose or any of their affiliates or subsidiaries. Buying Life Insurance value • Not offered to US persons • Not insured by any policy is a long term commitment an early termination of government agency • Not subject to the Deposit the policy usually involves high costs and the surrender Insurance Act (Cap 77A) of the Republic of Singapore value may be less than the total premiums paid. This is • Not eligible for deposit insurance coverage under the not a contract of Insurance, accordingly, the information Deposit Insurance Scheme should be read and construed in light of, and subject to, all terms & conditions contained in the policy. Full details are stated in the policy.