Citigold Private Client. A Wealth of Opportunity. (2024)

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARESUBJECT TO CHANGE.

Pricing & Fee Waivers

Account Monthly Service Fees* and Non-Citi ATM fees are waived for customers inthe Citigold Private Client, Citigold or Citi Priority Relationship Tiersduring the calendar month. If your Combined Average Monthly Balance (CAMB) doesnot meet the minimum required for three consecutive calendar months, you’llautomatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived forRegular Checking accounts and Access Checking accounts 1) when the account has$250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month ofaccount opening and for the first 3 full calendar months after account opening.In addition to Relationship Tier waivers, Monthly Service Fees are waived forCiti Savings accounts and Citi Accelerate Savings accounts 1) when the accounthas an Average Monthly Balance of $500 or more, or 2) if an owner of theSavings account also owns a Regular Checking account or Access Checkingaccount, or 3) in the month of account opening and for the first 3 fullcalendar months after account opening. Tier Exclusions apply to certaincustomers through separate notice. Unless a waiver applies as described above,monthly service fees are as follows:

*Deposit accounts are subject to service, transaction or other fees notcovered by the Monthly Service Fee. For a complete list of applicable fees,please review yourClient Manual Agreement.Please also carefully review any fee disclosures provided at the time of atransaction or when a service is provided, such as when you open a Safe DepositBox or order checks.

**An EDD is an electronic deposit through the Automated Clearing House(“ACH”) Network of payroll, pension, social security, government benefits andother payments to your checking or savings account. An Enhanced Direct Depositalso includes all deposits via Zelle and other P2P payments when made via ACHusing providers such as Venmo or PayPal. Teller deposits, cash deposits, checkdeposits, wire transfers, transfers between Citibank accounts, ATM transfersand deposits, mobile check deposits, and P2P payments using a debit card do notqualify as an Enhanced Direct Deposit.

***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, andCOMMA accounts are not charged monthly service fees.

Accounts that maintain a zero balance for 90 calendar days are subject toaccount closure at Citibank’s sole discretion.

Relationship Tier & Re-Tiering Information

Customers who did not own a Citibank checking, savings, CD, IRA, or investmentaccount (investment accounts are offered through Citigroup Global Markets,Inc.) in the 30 days prior to opening a new deposit account (“New toRelationship Customers”) may choose their Relationship Tier when opening adeposit account. If you are a New to Relationship Customer, you will begin toenjoy benefits of Citi Relationship Tiers upon account opening. We will beginreviewing your Combined Average Monthly Balance (CAMB) for all Eligible Depositand Investment* (EDI) accounts in the first full month after you open your newaccount. You must achieve a $30,000 CAMB in EDI accounts in at least one monthof the first three full months after account opening to remain in the CitiPriority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts inat least one month of the first three full months after account opening toremain in the Citigold^® Relationship Tier. You must achieve a$800,000 CAMB in EDI accounts in at least one month of the first three fullmonths after account opening to remain in the Citi Private Client RelationshipTier. Your CAMB is determined by calculating the average monthly balance of allEDI accounts you own during a calendar month. All customers, includingcustomers not in a Relationship Tier, have access to everyday features andbenefits from the products they own with Citi.

*Eligible deposit, retirement, and investment accounts (investment accounts areoffered through Citigroup Global Markets Inc.) (EDI) that you own or for whichyou are beneficial owner can contribute toward your CAMB. Please refer to theClient Manual Agreementto determine which EDI accounts contribute toward your CAMB. The followingaccounts are not EDI accounts: accounts owned by Estates, accounts that are notconsumer accounts, COMMA accounts, accounts in a money purchase plan or profitsharing plan, accounts opened through Citi Alliance, accounts opened throughCiti Private Bank, and accounts opened through the International PersonalBank.

Re-Tiering will begin reviewing your CAMB in the first full month after accountopening, however it takes three full months of CAMB to be impacted by theRe-Tiering process. New to Relationship Customers will not be impacted byRe-Tiering until the 1st day of the fourth full month after account opening.The Relationship Tier for existing customers can change in any month. To moveto a higher Relationship Tier, you must sustain that Relationship Tier’sminimum Balance Range for three consecutive calendar months. If you want tomaintain your Relationship Tier, you need to make sure your CAMB does not dropbelow your Relationship Tier’s minimum Balance Range for three consecutivecalendar months. When you are automatically Re-Tiered, we’ll inform you of yournew Relationship Tier on your Account Statement. You may opt-out ofRelationship Tiers, and the Re-Tiering process, by speaking to a banker in abranch or calling Citiphone banking.

Please review yourClient Manual Agreementfor a complete list of waived and reduced fees.

Not all benefits are available at account opening.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICESARE SUBJECT TO CHANGE.

Everyday Benefits

All customers, including customers not in a Relationship Tier, have access toeveryday features and benefits from the products they own with Citi.

65,000+ Fee-Free ATMs.Claim is based on locations in the United States where customers can make cashwithdrawals with no surcharge (usage) fee by the ATM operator. Citibankcustomers can get cash, get information and make transfers between theireligible linked Citibank accounts with no surcharge fee when they use theirCitibank^® Banking Card at ATMs in the U.S. located at Citibankbranches, ATMs at select retail store locations, and ATMs participating in theMoneyPass^® Network; regular account charges apply. ATMs in retailstores and at other non-Citi locations are not owned or operated by Citibankand offer fewer functions. Use the Citi Worldwide ATM/Branch Locator onCitibank Online or the Citi Mobile^® App to find the nearest ATMs andbranches, including non-Citibank ATMs in the U.S. with surcharge free access.MoneyPass is a registered trademark of Fiserv, Inc.

Citi Mobile App and Mobile Check Deposit.Regular account charges apply. Citibank does not charge you a fee for using theCiti Mobile app or the Mobile Check Deposit service. However, you must have aWeb-enabled cell or smartphone to use the Citi Mobile app or Mobile CheckDeposit service and charges from your wireless carrier may apply. Citibank isnot responsible for products and services offered by other companies. TheMobile Check Deposit service is for personal checking accounts only and issubject to eligibility. Deposit limits and other restrictions apply.

No Overdraft Fees.While Citibank will not charge you an overdraft fee, Citibank encourages itscustomers to consider the impact of overdrawing an account. The ability tooverdraw your account may be limited. An overdrawn account has a negativebalance. An account can become overdrawn when a Transaction Item is deductedfrom your account and causes your account to have a negative balance orincreases the amount by which your account is negative. In the event ofinsufficient funds to pay one or more Transaction Items from your Available NowBalance, in our sole discretion we may return (“Returned Item”) or pay(“Overdraft”) one or more Transaction Items. We may discontinue permittingOverdrafts without cause or notice to you.

You may deposit checks into your account that are returned, regardless ofwhether or not your account is overdrawn. A Fee for Deposited Check ReturnedUnpaid may be assessed for deposited checks that are returned unpaid.

Zelle Payments.Zelle^® is available to Citi customers with an eligible checkingaccount and a valid email address and/or valid U.S. mobile phone number. Youmay send money to almost anyone with a U.S.-based bank account. Terms,conditions and restrictions apply. For the protection of your account,Zelle^® should only be used to send money to those you know andtrust. Neither Citibank nor Zelle^® offer a protection program forany authorized payments made with Zelle^® — for example, if you makea purchase using Zelle^® but you do not receive the item or the itemis not as described or as you expected. Zelle^® and theZelle^® related marks are wholly owned by Early Warning Services, LLCand are used herein under license.

Commission-free Trading.Commission-free trading of ETFs excludes leveraged and inverse ETFs and appliesonly to trades placed online and on the Citi Mobile^® App. Clientswill pay a commission to buy or sell ETFs by phone. ETFs are subject tomanagement fees and expenses; refer to each ETF’s prospectus for moreinformation. Account service fees may also apply. There are other costsassociated with ETF and mutual fund investing, such as management fees andexpenses.

Citi Self Invest.Citi Self Invest is a digital self-directed investment platform of Citi PersonalWealth Management.

Citi Mortgage Relationship Pricing.A Citibank deposit account and automated monthly transfers of the mortgagepayment from a Citibank personal deposit account using automated drafting willbe required to receive Citibank mortgage relationship pricing. Ask a mortgagerepresentative for details on eligible balances and the qualifying closing costcredit or rate discount. Availability of the Citibank mortgage relationshippricing for Citibank account holders is subject to change without notice.

Lending products offered by Citibank, N.A. NMLS ID 412915. Equal HousingLender.

Citi Priority Benefits

Everyday benefits information above, plus:

As a Citi Priority client, you can receive banking and lending services fromCitibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915,along with financial planning and investment products as a client of CitiPersonal Wealth Management, a business of Citigroup Inc., that offersinvestment guidance, products, and services through Citigroup Global MarketsInc. (“CGMI”),member SIPC.Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLAdoes business as Citigroup Life Insurance Agency, LLC (license number 0G56746.Citibank, CGMI, and CLA are affiliated companies under the common control ofCitigroup Inc.

Citi ATM Fee Waiver.You may be charged a surcharge fee by the external bank or other ATM operator.

Increased Limits.Increased limits for Zelle^® transfers, debit card purchases, and ATMwithdrawals when compared to non-Relationship-Tier accounts. Requires achecking account and Citi Priority, Citigold or Citigold Private ClientRelationship Tier.

Citi Personal Wealth Management Investment Account Fee Waiver.The annual fee for Citi Personal Wealth Management Investment accounts is waivedfor the Citi Priority, Citigold and Citigold Private Client RelationshipTiers.

Discounts on Citi Personal Loans.Personal loans and lines subject to credit approval. Certain limitations mayapply.

Citigold Benefits

Citi Priority benefits information above, plus:

As a Citigold client, you can receive banking and lending services fromCitibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915,along with financial planning and investment products as a client of CitiPersonal Wealth Management, a business of Citigroup Inc., that offersinvestment guidance, products, and services through Citigroup Global MarketsInc. (”CGMI”),member SIPC.Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLAdoes business as Citigroup Life Insurance Agency, LLC (license number 0G56746).Wealth Relationship Managers are employees of Citibank and are employees andregistered representatives of CGMI. Citibank, CGMI, and CLA are affiliatedcompanies under the common control of Citigroup Inc.

Citi does not provide tax or legal advice.

Wire Transfer Fee Waiver.The wire transfer fee will be waived for wires initiated through Citi Online orCiti Mobile. Wire transfers initiated through a branch or assisted by a bankerare subject to fees. Citibank’s exchange rate for wire transfers in foreigncurrency includes a commission for the currency conversion service. Pleaseconsult yourClient Manual Agreementfor additional information.

Citigold Standard Design Checkbook Waiver.Fees for Citigold standard design checkbook are waived. A fee will be chargedfor non-standard design checkbook order (includes non-standard design,non-standard lettering, non-standard cover and non-standard logos).

Other Waived Fees.Please review yourClient Manual Agreementfor a complete list of waived and reduced fees and charges for the CitigoldRelationship Tier.

Citigold Concierge.Citigold Concierge is the name of the service provided by Aspire Lifestyles forCitigold clients on behalf of Citigroup Inc. Citigroup Inc. and AspireLifestyles are not affiliated companies.

Access to Citigold Lounges.Verification of Citigold status may be required for access to Citigold loungesin the form of a photo ID and a current Citigold debit card or other proof ofcurrent Citigold status. Citigold lounges may have varying degrees of amenitiesoffered, may have differing policies on admittance, and may restrict admittanceduring the times of invitation-only functions. The depiction of some Citigoldlounges may be based on artist rendering or representative real estate. Openinghours and days may change due to the holidays, natural disasters, and otherevents. Citigold clients may obtain the most up-to-date information on theCitigold lounges available to them by contacting their dedicated team.

• Citigold Culture Pass.

  Museum of Modern Art (MoMA), Museum of the City of New York (MCNY), Solomon R.Guggenheim Museum (Guggenheim) and The New York Botanical Garden (NYBG) benefitprovides complimentary daytime admission (weekdays and weekends during normalbusiness hours) for a client and one guest. Subject to availability. Subject tochange at any time. Exchanges subject to availability.No refunds.

  Ticket(s) must be purchased in advance. To purchase ticket(s) online usingCitigold Culture Pass, please click "Get Offer Code" to reach out to yourRelationship Manager or Wealth Advisor to obtain a Unique Code. If your codedoes not work, please reach out for a new code.

  To enter, you will be required to present your ticket, a Citigold or CitigoldPrivate Client Debit Card (as applicable) and a valid ID.

  MOMA and MCNY — Subject to availability, you may be able to purchase yourtickets with your Unique Code in person the same dayof entry.

  Guggenheim benefit is available at the New York City Museum location only.Ticket reservation must be completed in person. You may be required to presentyour Citigold or Citigold Private Client World Debit Mastercard^®for entry.

  The New York Botanical Garden offers complimentary All-Garden Pass admission.Restrictions may apply when entry to the Garden is moderated by timedticketing; Holiday Train Show may be subject to limited blackout dates. Reservea time online to visit the Garden in advance.

  In addition, the Roundabout Theatre Company offers a special discount.Roundabout Theatre Company provides a 40% discount when purchasing with aCitigold or Citigold Private Client Debit Card. All prices include a $2facility fee and orders may be subject to non-refundable handling fees. Limitof 8 tickets per order. Unique Code eligible only for Roundabout producedshows. Standard service charges apply to phone and Internet orders. Additionalblackout dates may apply.Note: The Citigold Culture Pass benefit with theRoundabout Theatre Company will be discontinued on August31, 2024.

  Citi is not affiliated with MoMA, MCNY, Guggenheim, NYBG or the RoundaboutTheatre Company.

  For more information about the Citigold Culture Pass visithttps://citigold.citi.com/culturepass/

Kiplinger’s Best Bank Award.From Kiplinger’s Personal Finance © 2022. The Kiplinger Washington Editors. Allrights reserved. Used under license.Learn more about Kiplinger’s Best Bank Award.

ATM Fee Reimbursem*nt.Other banks and ATM service providers may charge you a fee when you conduct aCitibank deposit account transaction using their ATMs. You will receivereimbursem*nt from Citibank for ATM fees charged by other banks in anystatement period where you are in the Citigold or Citigold Private ClientRelationship Tiers. This ATM reimbursem*nt is limited to consumer accounts.

• Toll-free Access.Toll-free access to the U.S. Citigold Service Center when traveling requires achecking account and Citigold Relationship Tier.

• Citigold Subscription Rebate Program.

  This is a Citi sponsored program for eligible Citigold customers.

  TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICESARE SUBJECT TO CHANGE.

  Select Citigold customers will be invited to participate in the SubscriptionRebate Program (“Eligible Customers”). Eligible Customers must purchasesubscriptions with their Citibank^® Debit Card as follows:

  Costco	Purchase on Costco’s website, over phone or in Costco warehouses
  TSA PreCheck®	Purchase at enrollment centers after applying online
  Hulu®, Amazon Prime®, Spotify Premium, Global Entry	Purchase on merchant websites

  Eligible Customers must be Citigold customers with an open Checking Account atthe time the subscription purchase posts to your Checking Account’s AvailableNow Balance. Cash back rebates should post within 7 Business Days of yoursubscription purchase.

  “Costco” is a registered trademark of Costco Wholesale Corporation.

  The TSA PreCheck^® trademark is used with the permission of the U.S. Departmentof Homeland Security.

  PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. orits affiliates.

  The Global Entry Trusted Traveler Network trademark is used with the permissionof the U.S. Department of Homeland Security.

  Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Citigold Private Client Benefits

Citigold^® benefits information above, plus:

As a Citigold Private Client customer, you can receive banking and lendingservices from Citibank, N.A. (Citibank), Member FDIC and Equal Housing LenderNMLS# 412915, along with financial planning and investment products as a clientof Citi Personal Wealth Management, a business of Citigroup Inc., that offersinvestment guidance, products, and services through Citigroup Global MarketsInc. (”CGMI”),member SIPC.Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLAdoes business as Citigroup Life Insurance Agency, LLC (license number 0G56746).Wealth Relationship Managers are employees of Citibank and are employees andregistered representatives of CGMI. Citibank, CGMI, and CLA are affiliatedcompanies under the common control of Citigroup Inc.

Citigroup does not provide tax or legal advice.

Increased Mobile Check Deposit Limits.The increased mobile check deposit limits are applicable to both the individualcustomer limit and the per account limit. Please refer to the User AgreementTerms & Conditions for the Mobile Check Deposit Service for a completedescription of the applicable deposit limits for eligible accounts enrolled inthe service and other important terms and restrictions. The increased depositlimits do not apply to customers with a Citibank deposit relationship for lessthan six (6) months or to customers with a deposit account, retirement account,loan or line of credit (excluding a credit card or first mortgage) on whichthey are either an owner or signer in any of the following bankingrelationships: Citigold Private Client, Citigold International, CitiInternational Personal Banking, Citi Global Executive Preferred or Citi GlobalExecutive.

Citigold Private Client Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold Private Clientcustomers.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICESARE SUBJECT TO CHANGE.

Select Citigold Private Client customers will be invited to participate in theSubscription Rebate Program (“Eligible Customers”). Eligible Customers mustpurchase subscriptions with their Citibank^® Debit Card as follows:

Eligible Customers must be Citigold Private Client customers with an openChecking Account at the time the subscription purchase posts to your CheckingAccount’s Available Now Balance. Cash back rebates should post within 7Business Days of your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck^® trademark is used with the permission of the U.S.Department of Homeland Security.

The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. orits affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permissionof the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility,Inc.

Account Monthly Service Fees* and Non-Citi ATM fees are waived for customers inthe Citigold Private Client, Citigold or Citi Priority Relationship Tiersduring the calendar month. If your Combined Average Monthly Balance (CAMB) doesnot meet the minimum required for three consecutive calendar months, you’llautomatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived forRegular Checking accounts and Access Checking accounts 1) when the account has$250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month ofaccount opening and for the first 3 full calendar months after account opening.In addition to Relationship Tier waivers, Monthly Service Fees are waived forCiti Savings accounts and Citi Accelerate Savings accounts 1) when the accounthas an Average Monthly Balance of $500 or more, or 2) if an owner of theSavings account also owns a Regular Checking account or Access Checkingaccount, or 3) in the month of account opening and for the first 3 fullcalendar months after account opening. Tier Exclusions apply to certaincustomers through separate notice. Unless a waiver applies as described above,monthly service fees are as follows:

*Deposit accounts are subject to service, transaction or other fees notcovered by the Monthly Service Fee. For a complete list of applicable fees,please review yourClient Manual Agreement.Please also carefully review any fee disclosures provided at the time of atransaction or when a service is provided, such as when you open a Safe DepositBox or order checks.

**An EDD is an electronic deposit through the Automated Clearing House(“ACH”) Network of payroll, pension, social security, government benefits andother payments to your checking or savings account. An Enhanced Direct Depositalso includes all deposits via Zelle and other P2P payments when made via ACHusing providers such as Venmo or PayPal. Teller deposits, cash deposits, checkdeposits, wire transfers, transfers between Citibank accounts, ATM transfersand deposits, mobile check deposits, and P2P payments using a debit card do notqualify as an Enhanced Direct Deposit.

***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, andCOMMA accounts are not charged monthly service fees.

For full terms and conditions please view theClient Manual AgreementandAccount Agreement and Noticespage. To apply online, you must be a U.S. citizenor resident and at least 18 years old. You’ll need to provide a physicaladdress in the U.S., date of birth and applicable identification documentationwhich may include a Social Security Number or ITIN.

Deposit and Lending products are provided by Citibank, N.A. NMLS ID 412915.Equal Housing Lender and Member FDIC. Only bank deposit products are FDICinsured.

The funds in your Deposit Account at each Program Bank are eligible forinsurance by the FDIC up to $250,000 (including principal and accrued interest)per depositor in each insurable capacity (e.g., individual, joint account, IRA,etc.). To learn more please visitFDIC.