CITIGOLD PRIVATE CLIENT RELATIONSHIP TIER

1. Account Monthly Service Fees* and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.
   In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking accounts 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice.Unless a waiver applies as described above, monthly service fees are as follows:

   Deposit Account	Monthly Service Fee
   Access Checking	$5.00
   Regular Checking	$15.00
   Savings***	$4.50

   *Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Consumer Deposit Account Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.
   **An Enhanced Direct Deposit (EDD) is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An EDD also includes Zelle^® incoming payments and other funds from person-to-person (P2P) payments when transferred through the ACH Network using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, debit card funding transfers, and P2P payment transfers sent to a Citibank debit card do not qualify as EDDs. Any funds transferred from another financial institution or P2P provider through an instant transfer service will also not qualify as an EDD.
   ***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
2. Accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion.

1. Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account (“New to Relationship customers”) may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold^® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold^® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month.
   All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.
   *Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Consumer Deposit Account Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are not EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD accounts, personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, accounts opened through Citi Global Wealth at Work, Citi Alliance, Citi Private Bank, and International Personal Bank.
   Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New to Relationship customers will not be impacted by Re-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 move to a higher Relationship Tier, you must sustain that Relationship Tier's minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier's minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we'll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking.

1. If you are a deposit customer and choose to enroll in Family Linking with Eligible Family Members (“Members”), your family Combined Average Monthly Balance (CAMB) may be higher than your individual CAMB, entitling you to join Relationship Tiers offering benefits such as higher Annual Percentage Yields and certain fee waivers. Only Immediate Family Members living at the same residential address can participate in a Family Link and restrictions apply. Although Members will not have access to accounts they do not own, they will see the CAMB range for the Family Link. When deciding to join a Family Link, customers should evaluate their privacy needs along with their need for combined balance advantages. You can terminate that membership in a Family Link at any time by calling us or visiting a branch. Please see definition of Members in the Family Link section of the Consumer Deposit Account Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts. 

Everyday benefits

1. 65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank^® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass^® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile^® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.
2. Citi Mobile App and Mobile Check Deposit. Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile app or the Mobile Check Deposit service. However, you must have a Web-enabled cell or smartphone to use the Citi Mobile app or Mobile Check Deposit service and charges from your wireless carrier may apply. Citibank is not responsible for products and services offered by other companies. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.
3. No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.
   You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.
4. Zelle^® Payments. Zelle^® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may 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 and trust. Neither Citibank nor Zelle^® offers purchase protection for payments made with Zelle^® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.
5. Commission-free Trading. Commission-free trading of ETFs excludes leveraged and inverse ETFs and applies only to trades placed online and on the Citi Mobile^® App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. Account service fees may also apply. There are other costs associated with ETF and mutual fund investing, such as management fees and expenses.

Citi Priority benefits

1. Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.
2. Increased Limits. Increased limits for Zelle^® transfers, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier. Citi reserves the right to temporarily reduce your limits to protect the security of your account. Your limits may be lower if you are recently enrolled in Zelle^® or you have made a change to your enrolled phone number, email address or linked account number.
3. Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires in foreign currency that are initiated through Citi Online or Citi Mobile. All other wire transfers, including wire transfers in foreign currency initiated at a branch or assisted by a banker and wire transfers in U.S. dollars, are subject to the fees described in your Consumer Deposit Account Agreement. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service.

Citigold benefits

1. Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires initiated through Citi Online or Citi Mobile. Wire transfers initiated through a branch or assisted by a banker are subject to fees. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Consumer Deposit Account Agreement for additional information.
2. Foreign Exchange Fee Waiver. Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the U.S. and Puerto Rico.  
3. ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.

Citigold Private Client benefits

1. Increased Mobile Check Deposit Limits. The increased mobile check deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions. The increased deposit limits do not apply to customers with a Citibank deposit relationship for less than 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 which they are either an owner or signer in any of the following banking relationships: Citigold Private Client, Citigold International, Citi International Personal Banking, Citi Global Executive Preferred or Citi Global Executive.
2. Wire Transfer Fee Waiver. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Consumer Deposit Account Agreement for additional information.
3. Citigold Private Client Subscription Rebate Program.  
   This is a Citi sponsored program for eligible Citigold Private Client customers.
   Select Citigold Private Client customers will be invited to participate in the Subscription Rebate Program ("Eligible Customers"). Additional persons with accounts linked to an Eligible Customer who live at the same address, will not be invited or eligible to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:
   Costco®: Purchased on Costco's website, over phone or in Costco warehouses
   TSA PreCheck®: Purchase at enrollment centers after applying online
   Amazon Prime, Hulu®, Spotify Premium, Global Entry, Blade®: Purchase on merchant websites
   The Wall Street Journal: Purchased on The Wall Street Journal website or over phone
   Eligible Customers must be Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account's Available Now Balance. Cash back rebates may post up to 8 weeks after 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. or its affiliates.
   The Global Entry Trusted Traveler Network trademark is used with the permission of 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.
4. Mastercard Travel & Lifestyle Services. Mastercard Travel & Lifestyle Services are provided by a third party. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services. Certain terms, conditions and exclusions apply. Full details are available at https://citigoldprivateclient.travel.mastercard.com.