This is general advice only. This advice was prepared without taking into account your objectives, financial situation or needs, so before acting on it, you should consider the appropriateness of the advice having regard to your own situation.
We recommend you seek professional advice on your personal circumstances before acting on the information contained in this material. Please note the products listed are not available to US persons and may not be available in all jurisdictions.

You should base your decision to invest in any of the products described based on the Product Disclosure Statements (PDS), available online or from a Citibank branch. Investments are subject to risk, including possible delays in repayment, loss of income and principal and may decrease in value as well as increase in value. Investments are not a deposit with, liability of, or guaranteed by Citigroup Pty Limited, Citibank, NA, Citigroup, Inc, nor their related entities.