CITIGOLD FEATURES, PRIVILEGES AND BENEFITS Team based Relationship Management & Wealth Advisory Team Citigold customers are serviced by a team comprising a relationship manager, service relationship manager, branch banking manager and branch banking director. They are partnered by product specialists – the investment consultant, treasury specialist, insurance specialist and housing specialist – to ensure that all financial and banking needs are taken care of. World Class Wealth Advisory Wealth Advisory Tools The relationship manager and specialists use the proprietary Citigold Wealth Planner to assess a customer’s financial needs, propose suitable strategies and customise his/her portfolio to meet objectives. After close consultation with the customer, the proposed financial portfolio will be implemented and closely monitored and reviewed so it is always aligned to the customer’s needs. Access to Global Research and Ideas Citigold leverages vast global research experience and capabilities of Citi analysts to give customers access to latest developments in the financial markets and to provide expert research views to help customers make informed investment decisions. Citigold customers receive the Monthly Market Outlook and are invited to investment seminars on a quarterly basis to provide them with further insights. World Class Products Citigold customers enjoy access to world class products that are created and customised, leveraging the global expertise and ideas in creating potential investment opportunities and wealth solutions that cater to customers’ needs. Benefits & Rewards Preferential Pricing Citigold customers enjoy preferential rates on key transactional services, including ebrokerage, housing and auto loans, foreign exchange rates when converting local currencies and foreign currencies abroad. Preferential rates vary depending on currencies and local FX market situation. Rewards and Privileges Citigold customers enjoy attractive and flexible rewards and lifestyle privileges when they invest or refer a friend to us. Privileges and rewards are catered to customers’ lifestyle preferences so they always remain relevant. Free Citibank Credit Card Citigold customers enjoy get lifetime annual fee waiver on choice of Citibank credit card. Priority Hotline Customers have access to the Citigold priority customer service hotline so their calls always get answered first. 3 Global Banking Privileges Priority Access and Toll free One Number Hotline When overseas, Citigold customers can contact their home Citigold customer service hotline via a single toll free number (800-CITI-CODE) and request any assistance for free. Free Access to Citigold Centres Customers will get free access to Citigold Centres in Singapore and around the world, including lounges and meeting rooms as well as enjoy free usage of telecommunication devices such as telephone, fax and the Internet, so that Citigold customers feel connected anywhere they are. Free Global Funds Transfers Citigold customers enjoy instant and complimentary funds transfers between Citibank accounts globally. This is particularly useful for expatriate customers or customers who have family members abroad, providing a convenient and hassle free transfer. Emergency Cash Withdrawal Customers can obtain withdrawals of up to USD10,000 emergency cash in times of need while overseas. Global Assistance Citigold customers enjoy global travel and medical assistance when travelling. This includes visa information, emergency translation and interpreter referral, arrangement of emergency accommodation, pre-trip information (e.g. innoculation information), lost document advice and assistance. In times of need, Citigold clients can also access 24 Hr Global Emergency Assistance to obtain medical assistance which covers medical transfers, medical repatriation to home country, repatriation of family members, hospital assistance and discharge assistance, among others. 4.