1. The variable introductory rate, currently 5.80% p.a. on balances between $0 to $1,999,999.99 (and 4.75% p.a. on the full balance of your account where the balance is $2,000,000 or more), is offered for 6 months from the date of account opening and is applicable on the first Citibank Online Saver that you open. At the end of the 6 month offer period you will automatically receive the standard variable rate, currently 4.75% p.a. Rates are effective 9 December 2011 and are subject to change at any time.

2. While no account fees are payable on your Citibank Online Saver, fees may apply to your nominated linked account. Please check with the financial institution where your nominated linked account is held. For service fees that might apply, please refer to the Schedule of Fees and Charges.

3. Balances of $1 million or less will automatically access the Australian Government guarantee under the Financial Claims Scheme without being subject to a fee until 1 February 2012.

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's appropriate for your particular circumstances.

Details on our dispute resolution system and full details of the terms and conditions are available by calling 13 24 84 or at citibank.com.au. Citibank Online Saver is issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL 238098 ("Citibank"). You should consider whether or not this product is appropriate for your particular circumstances.

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