CitiFolio services put your day-to-day banking into one seamless package. It's flexible - request the products you need today and add services as your needs grow. It's simple - complete one application to access a range of services to manage your finances. It's smart - most services may be linked and are accessible 24 hours a day from your PC, phone or Citibank ATMs.

And CitiFolio is personalized for you - offering solutions to meet your banking needs now and in the future. Begin your relationship today by asking your Private Banking representative about the following services available through the CitiFolio package⁽¹⁾:

DEPOSIT ACCOUNTS

Citi Private Bank draws on a variety of Citibank deposit offerings, as well as our own solutions to meet your banking requirements for:

• Day-to-day transactions: benefit from a Private Bank checking account where there are no minimum balance requirements, monthly account or check fees, or withdrawal charges when using Citibank ATMs. Access to your account is available by phone, ATM, or Internet through Citibank Online banking.
• Short-term savings: earn a competitive interest rate through Citibank's money market accounts and certificates of deposit.
• Larger balance solutions: Whether you are seeking liquidity, higher yields or currency diversification, learn more about our Time Deposit, Cash Reserve Account, and US Multi-Currency deposit accounts to determine which option can best serve your needs.

CITIBANK BANKING CARD

Your key to Citibank ATMs and over 800,000 network ATMs around the world. You can make cash withdrawals in local currencies around the world, and at Citibank ATMs you may also make transfers, loan payments, or get account information and transaction records for linked accounts. If you have Citibank Debit MasterCard, you can also use it for purchases at all MasterCard locations worldwide.

CHECKING PLUS (VARIABLE RATE) OVERDRAFT PROTECTION

A revolving line of credit linked to your checking account, allows you to withdraw funds or write checks at any time directly from your credit line up to your available credit limit – without overdrawing your checking account.⁽²⁾

• Monthly minimum payment automatically deducted from your checking account.
• Can pay your entire balance by check or by funds transfer via telephone, Citibank ATMs or Citibank Online banking.

SAFETY CHECK SERVICE

Provides overdraft protection by automatically transferring funds to your checking account from a linked "contributing account" – either a money market or Day-to-Day Savings account.

• The fee is currently waived for clients of Citi Private Bank.
• Funds in your "contributing account" will continue to earn interest until transferred to cover an overdraft.
• Only the exact amount of overdraft will be transferred from the available funds in the "contributing account" – up to $99,999 per month and up to the number of transfers allowed by federal regulation (six per statement period for money market or Day-to-Day Savings accounts, including any other activity in the account).
• If you have both Checking Plus (variable rate) overdraft protection and the Safety Check service, your Checking Plus (variable rate) line of credit will contribute first.

READY CREDIT LINE OF CREDIT

Instant access to cash through an unsecured, revolving line of credit at a very competitive market interest rate⁽²⁾.

• Lines available from $500 to $25,000
• Access line through Ready Credit checks, phone and Citibank Online Banking
• Use Citibank Auto Deduct to automatically debit the minimum monthly payment from your Citibank deposit account.

CREDIT CARDS⁽³⁾

Private Bank clients may choose to apply for a credit card:

• Citi Platinum Select / AAdvantage World MasterCard, a mileage rewards credit card offering a revolving credit line with no pre-set spending limit.⁽⁴⁾ Cardmembers earn one American Airlines AAdvantage mile for every dollar spent on purchases up to 100,000 AAdvantage miles per calendar year.⁽⁵⁾
• Citi PremierPass Card – Elite Level: Earn and redeem points on ANY airline. Earn double points on select purchases up to 200,000 points in a calendar year.⁽⁶⁾ No pre-set spending limit.⁽⁴⁾

The annual fee is currently waived for Citi Private Bank clients in good standing.⁽⁷⁾

CITIBANK ONLINE BANKING

Citibank Online is a web-based service providing you with access to account information for linked accounts, transaction capability and money management tools.

• View account information for linked accounts, transfer funds between linked accounts and other domestic or international Citibank accounts, pay bills and initiate wire transactions using your PC from anywhere in the world.
• Free alerts deliver updates about your checking, savings and credit card accounts directly to your cell phone or e-mail address.
• Online statements and check images
• Visit www.citibankonline.com
• SafeWeb online fraud protection⁽⁸⁾

CITIBANK / AADVANTAGE DEBIT CARD

Global ATM access and American Airlines AAdvantage miles - the Citibank / AAdvantage debit card has all the benefits of the existing Citibank Banking Card and offers American Airlines AAdvantagemiles for each dollar spent when used in signature-based, mail/phone orders, and internet purchases.

CITIBANK CHECKING WITH THANKYOU NETWORK

Enjoy free enrollment in ThankYou Network⁽⁹⁾, a rewards program which allows you to get points for debit card purchases and checking relationship with linked everyday banking products and services. Note that you can accumulate ThankYou points much faster by making signature-based purchases with your debit card. Redeem your ThankYou Points for thousands of rewards including vacation packages, electronics, airline tickets, gift cards and more.

TELEPHONE BANKING

You can pay bills, transfer funds between accounts, get account information, and use your lines of credit⁽¹⁰⁾ from the comfort and convenience of your telephone. Just call 1-800-870-1073⁽¹¹⁾.

Begin the Application Process

© 2008 Citigroup Inc.

Citibank, N.A.
Member FDIC
______________________________________________________

(1)	For details, please refer to the terms and conditions for the service.
(2) (3)	Subject to credit approval.
(4)	No pre-set spending limit does not mean unlimited spending. Each charge that causes your new balance to exceed your revolving credit line will be evaluated based on account usage and performance, other account relationships with us, if applicable, and your experience with other creditors. You must pay in full each month any amount that exceeds your revolving credit line.
(5)	The maximum number of American Airlines AAdvantage® miles you can earn with the Citi® Platinum Select® / AAdvantage® World MasterCard® is 100,000 AAdvantage® miles per calendar year (purchases recorded on your Jan.-Dec. billing statements). AAdvantage Executive Platinum® members, AAdvantage Platinum® members and AAdvantage Gold® members are excluded from this limit. AAdvantage® miles are earned on all purchases except returned goods and services, cash advances, convenience checks, transferred balances, credits, fees and finance charges.
(6)	Earn two points for every dollar spent at supermarkets, drugstores, gas stations, commuter transportation and parking merchants. Earn one point for every dollar spent on all other purchases, and one point for every mile flown by anyone else whose ticket you buy with your card. The total number of points that may be earned on your Citi PremierPass card-Elite Level is 200,000 per calendar year, only 100,000 of which may be earned through miles flown. For every point earned from purchases, one point earned from purchases, one point earned from miles becomes available for redemption. When you travel in the continental United States and Hawaii you can get a companion ticket when you buy a round-trip Coach Class excursion-fare ticket with your card for $299 or more. Airline participation in the complimentary companion travel program varies from market to market and is based on airline controls and availability. Passenger is responsible for all fees, taxes, and charges incurred with the travel and must make reservations through Spirit Incentives. Details will be provided upon card membership.
(7)	See “CitiFolio Credit Card Disclosures” for Citi Platinum Select/American Airlines AAdvantage® World Mastercard (pages 1-2) and Citi PremierPass® Card – Elite Level (pages 3-4) which includes rates, fees and other cost information.
(8)	SafeWeb is a service of Travelers Property Casualty Corp.
(9)	Separate enrollment of checking account in ThankYou Network required. Enrollment, participation and eligibility, qualifying accounts and services are subject to terms and conditions. ThankYou Membership and ThankYou Point redemption are limited to primary (first) checking account signer as established by Citibank. No fees for checking account enrollment or participation in ThankYou Network; regular account charges apply. Customer must be a citizen or resident alien of the United States (US) with a valid US taxpayer identification number. Taxes, if any, are the customer’s responsibility. ThankYou is a registered service mark of Citigroup Inc.
(10)	Citibank credit cards, Checking Plus (variable rate) Account, and Ready Credit Account.
(11)	To ensure quality service, calls are randomly monitored and may be recorded.

American Airlines reserves the right to change the AAdvantage® program rules, regulations, travel awards and special offers at any time without notice, and to end the AAdvantage® program with six months notice. Any such changes may affect your ability to use the mileage awards or credits that you have accumulated. Members may not be able to obtain all offered awards at all times or use awards for all destinations on all flights. AAdvantage® travel awards, mileage accrual and special offers are subject to government regulations. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit www.aa.com/aadvantage.

American Airlines, AAdvantage, AAdvantage Executive Platinum, AAdvantage Platinum, AAdvantage Gold, are registered trademarks of American Airlines, Inc.

MasterCard® is a registered trademark of MasterCard International Incorporated.

Credit cards are issued by Citibank (South Dakota), N.A. and Ready Credit and Checking Plus (variable rates) are issued by Citibank, N.A.

“Citi Private Bank” is a business of Citigroup Inc. (“Citigroup”), which provides its clients access to a broad array of products and services available through bank and non-bank affiliates of Citigroup. Not all products and services are provided by all affiliates or are available at all locations. All credit products are subject to credit approval.

Citi, Citi with Arc Design, Citibank, Checking Plus, Platinum Select, Ready Credit, Safety Check and ThankYou are registered service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world.