Certificate of Deposit Account Rates

Everyday benefits

1. 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.

2. 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.

3. Debit Card Limits. Citibank reserves the right to change limits or to suspend or discontinue the availability of electronic transfer services at any time based on security or other factors.

4. Citi Mortgage Relationship Pricing.

   Balances of $1 - $49,999.99: $500 off closing costs
   Balances of $50,000 - $199,999.99: 1/8% off interest rate
   Balances of $200,000 - $499,999.99: 1/4% off interest rate
   Balances of $500,000 - $999,999.99: 3/8% off interest rate
   Balances of $1,000,000 - $1,999,999.99: 1/2% off interest rate
   Balances of $2,000,000+ or more: 5/8% off interest rate

   A Citibank deposit account is required to receive the interest rate discount or closing cost credit.

   Automated monthly transfers of the mortgage payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount and closing cost credit will depend on the level of the Citi Eligible Balances, which will be verified after final loan approval. Citi Mortgage Relationship Pricing benefits cannot be combined with other offers or incentives. Citibank mortgage relationship pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank Mortgage Relationship Pricing is subject to change without notice. Eligible Balances will be verified after final loan approval. The balances used to determine the benefit will be what remains after any down payment and closing costs for the mortgage transaction.

   Deposit Account Balances must be in the account five (5) Business Days following final loan approval and Investment Account balances must be in the account six (6) Business Days following final loan approval. Citi eligible accounts include a personal consumer Citibank Deposit Account, linked Citibank IRAs, and Investments held in linked Citigroup Global Markets Inc. (”CGMI”) accounts. The borrower must be an account holder on investment accounts. IRA and annuity positions shown on linked CGMI Account statements are eligible (except tax qualified annuities under sections 401, 403, or 457 of the Internal Revenue Code). Balances from Citibank Business / Commercial accounts, ERISA accounts, Keogh accounts, Bank Collateral accounts, Foreign accounts, Fiduciary accounts, and Trust accounts where the borrower is only listed as the Beneficiary are excluded. All Custodial type accounts are excluded with the exception of Custodial IRA accounts through Citibank or Pershing LLC where the borrower(s) is the beneficiary, which are eligible unless otherwise noted. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded.

   The closing cost credit offer will be applied at closing and may not be used prior to closing. In Texas, the credit may not result in you receiving cash back.

   If you are interested in Citi's banking account relationship offers, please contact your Mortgage Representative to discuss which offer is best for you. Citibank mortgage relationship pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank mortgage relationship pricing is subject to change without notice.

   Glossary of terms for this offer:

   Business Day means Monday through Friday and does not include federal holidays.

   Eligible Balances means total funds showing in the account at the time we verify the balances less any funds we determine you will need for a down payment or closing costs.

   Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts.

   Investment Account means IRAs and investments held in Citigroup Global Markets Inc. accounts.

   Closing cost credit will be applied at closing. It may be applied to origination fees and standard customary third-party and government closing costs. In Texas, the credit may not result in your receiving cash back. Offers are not applicable on Home Equity Loans and Lines of Credit.

   Investment products are offered through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citibank and CGMI are affiliated companies under the common control of Citigroup Inc.

   Terms, conditions and fees for accounts, programs, products and services are subject to change. Citibank reserves the right to suspend, change and terminate the offers and promotion. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Offer cannot be combined with any other mortgage offers. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S.

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

5. Discounts on Citi Personal Loans. You must be in a Relationship Tier at the time of submitting a personal loan application to receive the applicable discount to that Relationship Tier. Existing deposit and credit card customers who have been a Citi customer for less than 12 months are not eligible for a Citi Personal Loan. Personal loans subject to credit approval. Terms and restrictions apply.

6. 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.

7. Citi Self Invest. Citi Self Invest is a digital self-directed investment platform of Citi Personal Wealth Management.

8. Citi Entertainment: You must use a Citi credit card which displays the Visa or Mastercard logo or a Citibank Debit Card which displays the Mastercard logo to take advantage of any ticket offer. Tickets are subject to availability and ticket orders may be subject to a service charge. Ticket limit per account and age requirements vary by event. By responding to an offer, you will be disclosing all the information requested to a company outside the Citigroup family of companies. Citi is not responsible for products or services offered by other companies.

9. Foreign Exchange Fee. Citi will apply a foreign exchange fee equal to 3% of the transaction amount (including credit and reversals) for each international debit card purchase or ATM withdrawal transaction (including those at Proprietary Citibank ATMs) made in a currency other than U.S. Dollars when the transaction is conducted outside the 50 United States and its territories. Fee is waived for Citigold, Citi Priority, Citi Private Bank, and International Personal Bank U.S. accounts.

10. World Wallet Foreign Currency Exchange Services. Ordering limits apply. The exchange rate for a purchase or redemption of foreign currency includes a commission to Citibank for the conversion service.

11. Toll-free Access. Toll-free access to the U.S. Citi Service Center when traveling requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.

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

Citigold benefits

1. 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.

2. Citigold Culture Pass. For customers in the Citigold or Citigold Private Client Relationship Tiers, Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum (Guggenheim), and The New York Botanical Garden (NYBG) benefit provides complimentary daytime admission (weekdays and weekends during normal business hours) for a client and one guest. Subject to availability. Subject to change at any time.

   Unless otherwise indicated, ticket(s) must be obtained in advance by purchasing online and clicking “Get Offer Code.” Reach out to your Wealth Advisor to obtain a Unique Code. To enter, you will be required to present your ticket, a Citigold or Citigold Private Client Debit Card (as applicable), and a valid ID.

   MoMA — You may be able to obtain your tickets with your Unique Code in person the same day of entry subject to availability.

   Guggenheim benefit is available at the New York City Museum location only. Visitors must obtain tickets in person. You must use a Citigold or Citigold Private Client Debit Card and a valid ID for entry.

   NYBG offers complimentary All-Garden Pass admission. Restrictions may apply when entry is moderated by timed ticketing; Holiday Train Show may be subject to limited blackout dates. To visit NYBG, reserve a time online in advance.

   Citi is not affiliated with MoMA, Guggenheim or NYBG.

   For more information about Citigold Culture Pass, visit https://citigold.citi.com/culturepass/.

3. Citi Bike Membership. Complimentary one-year Citi Bike memberships for Citigold clients are limited to one (1) per household for households located in New York, New Jersey, or Connecticut only. A Citi Bike annual membership includes unlimited 45-minute rides on a classic bike. Any extra fees beyond the cost of the annual membership, including but not limited to fees incurred for any extra time, ebike upgrades, or lost/stolen bikes, are not included in the annual membership and are the responsibility of the Citi Bike member. For more information about the Citi Bike program and annual membership, visit www.citibikenyc.com. Subject to availability and change in terms at any time.

   The Citi Bike^® Program in New York is operated by Lyft Bikes and Scooters, LLC. Citibank, N.A. and Lyft Bikes and Scooters, LLC are not affiliated companies and Citibank, N.A. has no liability for the operation of the program. Citi Bike, Citi Bike and Arc Design and the Blue Wave are registered service marks of Citigroup Inc.

4. Citigold and Citigold Private Client Subscription Rebate Program.

   This is a Citi sponsored program for eligible Citigold customers.

   Select Citigold and 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 or 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.

Citigold Private Client benefits

1. Citi Bike Membership. Complimentary one-year Citi Bike memberships for Citigold Private Clients are limited to two (2) Per Household for households located in New York, New Jersey, or Connecticut only. A Citi Bike annual membership includes unlimited 45-minute rides on a classic bike. Any extra fees beyond the cost of the annual membership, including but not limited to fees incurred for any extra time, ebike upgrades, or lost/stolen bikes, are not included in the annual membership and are the responsibility of the Citi Bike member. For more information about the Citi Bike program and annual membership, visit www.citibikenyc.com. Subject to availability and change in terms at any time.

   The Citi Bike^® Program in New York is operated by Lyft Bikes and Scooters, LLC. Citibank, N.A. and Lyft Bikes and Scooters, LLC are not affiliated companies and Citibank, N.A. has no liability for the operation of the program. Citi Bike, Citi Bike and Arc Design and the Blue Wave are registered service marks of Citigroup Inc.

2. 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.