¹ Stepped interest rates apply (meaning different rates of interest apply to different portions of your account balance). The portion of your balance under $10,000 does not earn interest. Rate of 5.00% p.a. applies to the portion of your balance from $10,000 to $1,000,000. Rate of 4.25% p.a. applies to the portion of your balance over $1,000,000. Interest rates are effective from 08 December 2008 and are subject to change at any time. Minimum ongoing balance of $10,000 applies.

² Unlimited free transactions apply to those made in Australia but excludes charges for bank cheques, international payments and foreign currency services, overdrafts, dishonours and other general banking services (see our Schedule of Fees & Charges and Terms & Conditions).

Citibank Ultimate Saver is issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL 238098 (“Citibank”). Any advice is general advice only. It was prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider if it is appropriate for your particular circumstances.

Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931.© 2008 Citigroup Pty Limited. Citibank, Let’s get it done are service marks of Citigroup Inc., Citibank®, Citi®, Let’s get it done™ and Arc Design® used and registered throughout the world.