Foreign Currency Investment Disclaimer Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Foreign currency investments are not subject to the provisions of the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.

Deposit Insurance Scheme The SGD Cash Trading Account shall, subject to the provisions of the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011 of Singapore ("Act"), be eligible for deposit insurance coverage under the Deposit Insurance Scheme up to the limits specified in the Act.

Premium Account Disclaimer A Premium Account is unlike a traditional bank account as it is an investment and returns may vary. Premium Accounts are subject to a number of risks. A Premium Account is an investment in one or more financial instruments which may include currencies, forwards, equities, bonds, indices, interest rates, precious metals, commodities and/or any other financial or money market instrument. It is subject to exchange rate fluctuations, which may provide both opportunities and risks. A Premium Account will be paid in the financial instrument that is the weaker of the base financial instrument and the alternate financial instrument. If the alternate financial instrument weakens against the base financial instrument, you will be paid in the alternate financial instrument. This means you may effectively incur a loss on the principal amount of the Premium Account, because the amount paid at maturity, when converted back into the base financial instrument at the prevailing exchange rate, will be lower than the amount of the base financial instrument that you initially invested. The higher rate of interest you earn in the Premium Account as compared to a traditional time deposit may not compensate you for this exchange loss. A Premium Account is not a deposit and is not subject to the provisions of the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011 of Singapore and is not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers will provide you with information on any exchange controls that are relevant to the currencies in which you invest. If your Premium Account consists of precious metals or commodities, you should note that physical delivery of the same and the wire transfers to or from your precious metals or commodities accounts are not permitted. You should note that a Premium Account is an investment product that should be held to maturity. Early withdrawal of a part of a Premium Account prior to the maturity date is not permitted. Early withdrawal of the whole of a Premium Account is permitted but strongly discouraged, because you will have to pay early termination charges and these charges will be deducted from the amount repaid under the Premium Account. Some of the factors used in calculating such charges include the exchange rate for the financial instrument pair, the prevailing interest rate and the remaining term of the Premium Account. As a result, the amount repaid to you may be less than the principal amount. If you wish to terminate your Premium Account prior to maturity, please contact the Bank. The Bank may, at any time at its discretion, terminate the Premium Account. This may happen, for example, if restrictions on convertibility and transferability become applicable to any of the financial instruments in your financial instrument pair. In such cases, payment to you will be made in the alternate financial instrument in your financial instrument pair or another financial instrument chosen by the Bank. You may incur a loss on the principal amount in such cases. Please refer to the Bank's website for any updates of foreign exchange control restrictions. You should obtain the advice of a licensed or an exempt financial advisor before making a commitment to enter into a Premium Account transaction. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether a Premium Account is suitable for you in light of your investment objectives, your financial means and your risk profile. For more information on a Premium Account, you should also carefully read the Premium Account Agreement. In opening a Premium Account for you, Citibank Singapore Limited acts as principal to a Premium Account transaction. You are subject to the full credit risk of Citibank Singapore Limited. Any payment to be made on the Premium Account depends on the ability of Citibank Singapore Limited to satisfy its obligations as they come due. The Premium Account is a general and unsecured obligation of Citibank Singapore Limited.

In the event of any inconsistencies between the different languages of this document, the English language version shall prevail.