Investment Updates & Wine Tasting - In Partnership with Citigold

Citibank Disclaimer

Contents in this seminar are for general information only and should not be relied upon as financial advice. Such contents have no regard to the specific objectives, financial situation and particular needs of any specific person. It is neither an offer nor a solicitation to purchase, nor endorsement or recommendation of, any products or services by Citibank Singapore Limited ("CSL"), its related entities, or their respective representatives, directors, agents and employees (together, "Citigroup"). This email and the related seminar do not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution, offer or solicitation is not authorised or to any person to whom it is unlawful to distribute such information or make any offer or solicitation.

Citigroup makes no representation or warranty as to the accuracy, truth, adequacy, completeness, fitness for purpose, non-infringement of third party rights or continued applicability of the contents of this email and the related seminar. Citigroup shall not be liable for any complaint, suit, action, claim, expense, loss or damages directly or indirectly arising out of or in connection with any person's viewing of such seminar, or reliance on or acting upon or use of any contents of this e-mail or such seminar.

The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.

This event is intended for adults of legal drinking age in Singapore and the alcohol served is intended for your personal consumption. Please drink responsibly. Citibank and/or its partners will not be liable for any losses (including any financial losses arising from my self-directed transaction(s) made during or post-event), damages, injuries, or inconveniences that result to me or anyone else arising from or in connection with the consumption of alcohol in this event.

Important Investment Information. Investments are:

• Not Bank Deposits • Not Bank Guaranteed • May Lose Value • Not FDIC Insured • Not Offered to US Persons • Are subject to investment risks, including the possible loss of the principal amount invested.

Interested investors should seek the advice of their financial advisors, as appropriate. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether the investment products are suitable for you in light of your investment objectives, financial means and risk profile.

For Important Investment Information, visit Citibank Singapore website > BANKING INFORMATION > Disclosures / Important Information > Important Investment Information.

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup, Inc or any of their affiliates or subsidiaries unless specifically stated. Investment products are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency.