Important Notes 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 Act (Cap 77A) of the Republic of Singapore nor 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 Act ("Act"),be eligible for deposit insurance coverage under the Deposit Insurance Scheme up to the limits specified in the Act. Securities Disclaimer These securities are not bank deposits, are not obligations of or guaranteed by Citibank Singapore Ltd, Citibank, N.A., Citigroup, Inc or any of its affiliates or subsidiaries and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. These securities are not deposits and are not subject to the provisions of the Deposit Insurance Act (Cap 77A) of the Republic of Singapore nor eligible for deposit insurance coverage under the Deposit Insurance Scheme. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Citibank brokerage is not available to US persons and may not be available in all jurisdictions. 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 foreign currencies. It is subject to foreign exchange rate fluctuations, which may provide both opportunities and risks. A Premium Account will be paid in the currency that is the weaker of the base currency and the alternate currency. If the alternate currency weakens against the base currency, you will be paid in the alternate currency. 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 currency at the prevailing foreign exchange rate, will be lower than the amount of the base currency 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 foreign exchange loss. A Premium Account is not a deposit and is not subject to the provisions of the Deposit Insurance Act (Cap 77A) of the Republic of Singapore nor 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. 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 Currency 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 currencies in your Currency Pair. In such cases, payment to you will be made in the alternate currency in your Currency Pair or another currency 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 terms and conditions of the Premium Account. Citibank full disclaimers, terms and conditions apply to individual products and services. In the event of any inconsistencies between the different languages of this document, the English language version shall prevail.