Citigold

Transaction and Savings Accounts

	No monthly fee on selected transaction and savings accounts¹.

Credit Cards

	No annual fee in the first year on a new Citibank Platinum Credit Card².
	Receive a Citibank Platinum Credit Card with no annual fee ongoing if you maintain deposit or investment balances greater than or equal to A$1million.

Mortgages

	No application fee on all mortgages.
	Receive an extra 0.10% p.a. on selected Citibank Mortgages³.
	First year annual package fee waiver on Mortgage Plus package.

Term Deposits

	Preferential pricing is available on request for Local Currency and Foreign Currency Term Deposits⁴.

Financial Planning

	50% discount on Financial Plan preparation fee.

Insurance

	45% discount on Travel Insurance
	15% discount on Owner Occupied Building Insurance & Contents Insurance
	15% discount on Valuables Insurance
	15% discount on Landlords Building Insurance
	7.5% discount on Motor Vehicle Insurance.

Foreign Exchange

	Preferential rates on Foreign Exchange transactions⁵.
	No commission on foreign currency cash transactions and foreign currency Cash Passport purchases⁶.
	Receive an exchange rate better than the standard Travelex retail rate in Australia⁶.

Citigold Emergency Healthcare Service - available to Citigold clients until 31^st December 2009*

	As a Citigold client, you now have access to International SOS, the world's leading provider for medical assistance. Should you require medical help while travelling internationally, you will have around-the-clock support in more than 70 countries around the world. You will have your very own personal, medical, and safety assistance advisor for emergencies, as well as routine advice when outside your home country. Reach out to International SOS if you need a routine referral, lose your medication, or have a medical crisis. International SOS is here to help and ensure you get what you need anytime, anywhere. Visit www.internationalsos.com or call International SOS on +612 9372 2468 and quote reference number 021100A. This special Citigold offer ends on the 31^st December 2009.

Citigold Global Banking

	Pre-Arrival Account Opening for selected bank accounts and credit cards if you are relocating.
	Free Citibank global transfers to another Citibank account in participating countries⁷ (provided you are within your free transaction limit).
	Complimentary access to Citigold Centres and use of business facilities at over 500 Citigold Centres in 34 countries worldwide.
	Access to Australia's Citigold hotline from overseas via a toll free number (dial 800-2484-2633 after the international dialling code).
	Preferential foreign exchange rates when you exchange up to US$5,000 (or equivalent).
	Withdrawal of up to US$2,000 of emergency cash⁸ (or equivalent) outside Australia.

Citigold Centres

Citigold Centres are like no other bank. They are custom designed so you can do your banking in a single, comfortable location. At Citigold Centres, there are none of the usual teller queues. Instead, you'll be ushered to private meeting rooms where you can meet with your Relationship Manager.


Seminars

	Receive invitations to seminars featuring updates on local and global markets and investment strategies.

Citigold Quarterly

	Receive the latest investment information and updates on special Citigold events.

Market research

	Receive updates on Australian and global market conditions.

Citigold Debit or Visa Debit Card

	A Citigold ATM card, with higher withdrawal limits. Present this card when you are abroad to enjoy Global Banking benefits.

Dedicated Citigold hotline

Citigold clients have direct access to their Relationship Manager. In the event that you require general information or assistance, you can also call a dedicated hotline for exclusive use of Citigold clients for help with your banking or account enquiries on 1800 168 168 (Australia) or dial 800-2484-2633 after the travelling country's international dialling code.

Terms & Conditions

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.

* International SOS is not a Citi company.  The referral services provided through International SOS are at no charge; however, you are responsible for any costs associated with medical services or evacuation services.  Please call the Citigold hotline for more information 1300 552 070.
 
1. Citibank reserves the right to change any fees and charges and will notify you in the manner required by the Code of Banking Practice. Terms and Conditions apply. Monthly account keeping fees are waived on Citibank Plus, Cash Management Account, Citibank Investment Account, Citicash or Citicheque Accounts. Citibank Investment Account, Citicash and Citicheque accounts are closed to new customers. Please read the relevant Product Features and Terms and Conditions, available online or from a Citibank branch for more information.
 
2. Offer applies to both Primary Cardholder account and additional Cardholder accounts. Offer does not apply to existing Citibank Platinum cardholders. Approval subject to Citibank Credit Criteria. Terms and Conditions apply and are available on application. Fees and charges apply.
 
3. Preferential pricing is available to all new mortgage customers where a mortgage is established direct via a Citibank Mortgage Specialist from a Citibank Branch. Offer does not apply to Basic, Fixed rate and Self-certified loans. Offer does not apply to existing Citibank mortgage customers. Offer is subject to Citibank credit criteria. Terms and conditions apply and are available on request. Fees and charges apply.
 
4. Offer does not apply to advertised Term Deposit Specials.

5. Applies to Foreign Exchange transactions for amounts greater than A$20,000.
 
6. This offer is only available from Travelex stores located in Citibank branches in Australia.
 
7. Citibank reserves the right to change any fees and charges and will notify you in the manner required by the Code of Banking Practice.
 
8. Only available in certain countries.
 
© 2009 Citigroup Pty Limited. Citibank®, Citi®, Citi never sleeps and Arc Design® are service marks of Citigroup Inc.

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