*TERMS AND CONDITIONS

Offer

You can earn a Loyalty Cash Bonus of $50, $75, $150, $300, $750, $1,500 or $3,000 by opening a new Citi Savings Account, funding it with

New-to-Citibank Funds within 30 days, and maintaining that balance for another 60 days.

Qualify

You are eligible for the Citi Savings Account Loyalty Cash Bonus Offer if you are at least 18 years old and have received a communication from

Citibank inviting you to participate.

Period that you continue to own until the end of the Maintenance Period in the Basic Banking Package, Citibank Account Package, the Citi Priority

Account Package, or the Citigold Account Package (including Citigold Private Client) can qualify for the Citi Savings Account Loyalty Cash Bonus Offer.

 Citi Accelerate Savings Accounts are do not qualify for this offer.

 Savings Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement (IRAs, SEPs,

CESAs, money purchase pension plans and profit sharing plans), and other trust accounts will not qualify for this offer.

 International Personal Bank customers are not eligible for this offer.

Here are the steps to qualify:

 First, open a new Citi Savings Account between July 1, 2021 and September 30th, 2021 (“Offer Period”).

 Third, on the 30

th

Day after you open your account, we will check your “On Deposit” balance in New-to-Citibank Funds which will

determine the Cash Bonus you can try to earn (“Balance”). As long as you maintain at least a $10,000 Balance every day for 60 calendar

days after your 30

th

falls into a lower Balance Tier for even one day during the Maintenance Period, your Cash Bonus will change (see Chart).

Day falls on a

th

Day instead. If you open your

th

Calendar Day to determine your Cash

Chart

 Fourth, your Savings Account must remain open and in good standing from the time it’s opened until you receive your Cash Bonus. The

Offer and the Get Rewarded for Saving More Offer in the same offer period.

This offer may be withdrawn prior to enrollment. All accounts subject to applicable terms, fees, programs, products and services which are subject to

change. Accounts subject to approval. Participation and enrollment in a promotional offer does not guarantee eligibility or fulfillment of the

promotional offer. Annual Percentage Yields (APYs) are variable and subject to change without notice after the account is opened. Speak to a banker

for more details. All accounts subject to the Client Manual Consumer Accounts and Marketplace Addendum.

Annual Percentage Yield (APY)

Accurate as of 7/20/21, in the states of NY, CT, MD, VA, DC, CA, NV, NJ and select markets in FL or IL, the Annual Percentage Yield (APY) for Citi Savings

Account in the Citigold Account Package (including Citigold Private Client) and the Citi Priority Account Package range from 0.06% to 0.15%.

For the Basic Banking Package, to waive the $12 monthly service fee, make one qualifying direct deposit per statement period and one qualifying bill

payment per statement period, or maintain a $1,500 or more combined average monthly balance in eligible linked accounts. A monthly service fee

of $25 and a $2.50 non-Citibank ATM fee apply to the checking account in the Citibank Account Package if a combined average monthly balance of

$10,000 or more is not maintained. A monthly service fee of $30 applies to the Citi Priority Account Package if a combined average monthly balance

of $50,000 or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package. If you do not maintain

a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts, your Citigold Account

Package will be converted to the Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that

package. The Citigold Private Client relationship status is part of the Citigold Account Package. Fees could reduce account earnings. For account

pricing details please visit citi.com/compareaccounts.

1

Deposits are FDIC insured up to $250,000 per depositor, for each ownership category. To learn more visit www.fdic.gov.

2

Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile® App or the Mobile Check Deposit service. You must

have Internet access through your mobile device and charges from your wireless carrier may apply. The Mobile Check Deposit service is subject to

eligibility. Deposit limits and other restrictions apply.

3

Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator.

4

Online funding limits. You can use the Add Funds or Fund Account features on Citibank Online or Citi Mobile App, respectively, to fund your Citibank

account. When transferring funds from your external account at another institution into your Citibank account via ACH transfer your limit is $250,000

in a rolling 30-day calendar period. Please note this type of funding can take up to 4 business days for the transfer to clear and the funds made fully

available to you so you should take this into consideration when completing your required activities. The Inter-Institutional Transfer service is also

available on Citibank Online to transfer funds from an external account subject to a $100,000 transfer limit in a rolling 30-day calendar period. If your

funding amount exceeds these limits, you can deposit checks drawn on banks other than Citibank N.A. by branch, by mail, ATM or alternatively, you

can initiate a wire transfer from your external account on the business day after account opening. Please note the financial institution sending the

wire transfer may charge you a fee for this service. A $15 fee for processing an incoming wire transfer applies to customers within the Basic Banking

and Citibank Account Packages. The fee is waived for customers within the Citi Priority and Citigold Account Packages.

Citibank provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and

its territories. The Citibank offer is not, and should not be construed as, an offer, invitation or solicitation to buy or sell the products or services at

issue to individuals outside of the United States.

Certain other trademarks listed above are owned by third parties not affiliated with Citibank.