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Our presence in Algeria is a clear demonstration of the Algerian government's determination to attract foreign investment and to direct the national economy increasingly towards foreign markets. We have had a significant involvement in Algeria for many years in areas such as correspondent banking, trade finance and corporate finance. As a reflection of the importance of this relationship, a representative office was established in Algiers in 1991, and in 1997 we were the first foreign institution to apply for and obtain a commercial banking license. Our full-fledged branch opened for business in 1998.

Algeria

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Well Platinum Award 2025

Opens branch in Buenos Aires, the first branch of an American Bank beyond the US frontiers.

Citi introduces the first credit card in the local market, Citicard.

Citi creates Citibank On Line, connectable via modem.

Citi launches Paylink, the first service for corporate vendors’ payments.

Citi launches Citigold, the first exclusive brand for high-affluent segments.

Citi Argentina creates  CitiConnect, a web site for our corporate clients’ vendors.

Citi creates Women, the first financial product especially devised for feminine customers.

Citi decides to concentrate resources on Corporate and Investment Bank, and sells Consumer Bank in South America.

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Since its founding in 1914, Citi Argentina has focused its resources on becoming the best Institutional Clients Group bank in the country, providing its global expertise to institutional, commercial and corporate clients throughout Argentina. With a network of 4 corporate branches and more than 1,300 clients, including Argentina's largest companies, Citi is known for its cutting-edge technology solutions and close client relationships.

Argentina

The Citi Australia & New Zealand Investment Conference is the largest Australasian conference for influential ideas and actionable advice, attracting over 1000 investors, fund managers, CFOs and CEOs from Australia, New Zealand and around the globe. 

Investment Conference 2025

The National City Bank opens a representative office in Australia.

Industrial Acceptance Corporation (Australia) forms in Australia.

First National City Bank acquired 21.7% of Industrial Acceptance Corporation in Australia.

Citicorp Australia Holdings formed and acquired 100% of Industrial Acceptance Corporation.

Citibank granted full banking licence in Australia.

Official opening of Citigroup Centre at 2 Park Street Sydney by Australian Federal Treasurer the Honorable Peter Costello, MP

Citi celebrates its 200th anniversary as a bank.

Citi completes sale of Australian consumer bank business to National Australia Bank.

Careers at Citi Australia

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100 years of expertise in Australia

In 2026, Citi Australia celebrates 100 years of operations in Australia. With our extensive experience, we strive to be Australia’s preeminent banking partner for corporate, investor and public sector clients with cross-border needs. Today, Citi Australia delivers an innovative range of global products and services to more than 1,000 valued local corporate and institutional clients and is one of a few financial groups in Australia with the ability to tap capital and expertise from around the world.

<h4>Welcome to Australia</h4>As part of one of the world's largest financial services companies with a presence in nearly 180 countries, Citi Australia has been providing financial services to Australian corporations, institutions and governments for nearly a century.Recognised for our innovative range of global products and services, today we count more than one thousand local corporate and institutions as valued clients..Citi Australia provides a comprehensive range of services across banking, services and markets. We are one of the only financial groups in Australia with a full range of services and the ability to tap capital and expertise around the world for our institutional, corporate, and government clients.With more than 800 employees based across the country we are committed to supporting the Australian community in which we live and work. Our support, including Citi Foundation grants, employee volunteering and fundraising, supports community organisations develop innovative solutions to social and economic challenges facing low-income communities around the world. Our Youth Co:Lab program is an initiative driven by the United Development Program and Citi Foundation and is the largest youth social entrepreneurship movement in Asia and the Pacific.<h4>Citi's Value Proposition: A Mission of Enabling Growth and Progress</h4><h5>Our commitment to you</h5>Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace their greatest opportunities. We are Citi, the global bank - an institution connecting millions of people across hundreds of countries and cities.We work with companies to optimise their daily operations, whether they need working capital, to make payroll or export their goods overseas. By lending to companies large and small, we help them grow, creating jobs and real economic value at home and in communities around the world. We provide financing and support to governments at all levels, so they can build sustainable infrastructure, such as housing, transportation, schools and other vital public works.These capabilities create an obligation to act responsibly, do everything possible to create the best outcomes, and prudently manage risk. If we fall short, we take decisive action and learn from our experience.We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards. We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible. When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.<h5>Reporting misconduct and ethical concerns</h5>At Citi, we aim to operate to the highest ethical standards in everything we do.Early identification and resolution of issues is critical to maintaining our relationships and obligation to act responsibly. We encourage our employees and other partners to raise misconduct and ethical concerns under the <a href="/rcs/citigpa/storage/public/australia/citi-australia-whistleblower-policy.pdf" target="_blank">Citi Australia Whistleblower Policy</a>.<h5>How to report concerns</h5>You may report your concerns to the Citi Ethics Office openly or anonymously, via a toll-free number (available 24 hours per day, seven days per week in multiple languages) or online submission.All contacts to the Citi Ethics Office and related investigations are treated as confidentially as possible, consistent with the need to investigate and address the matter and subject to applicable laws and regulations.<a href="/global/ethics-hotline" target="_blank">Click here</a> for Citi Ethics Office's contact information.You may also raise your concerns to dedicated individuals listed in the <a href="/rcs/citigpa/storage/public/australia/citi-australia-whistleblower-policy.pdf" target="_blank">Citi Australia Whistleblower Policy</a>.

<h3 id="privacy">Our Company and Mission</h3>

<h4>Privacy at Citi</h4>Our goal is to maintain your trust and confidence when handling personal information about you.<h4>Australian Privacy Policy</h4>Information on Citi Australia's handling of personal information, including the kinds of personal information we hold and why we hold it; who we disclose information to; how you can complain about a breach of privacy; the organisation's contact details; and how to request access to personal information.<h4>Australian Credit Reporting Policy</h4>Information on Citi Australia's exchange of information with credit reporting bodies, the information we exchange and your rights in relation to such information.<h4>Internet Privacy Statement</h4>Information on the special precautions we take to keep your use of our websites confidential and secure, and how we manage any online collection of personal data.If you are, or will be, a resident of the U.S. State of California, you have certain rights with respect to your Personal Information under the California Consumer Privacy Act ("CCPA") as of January 1, 2020. For more information about what this means to you, please click here &nbsp;<a href="https://www.citigroup.com/global/privacy/citigroup">https://www.citigroup.com/global/privacy/citigroup</a>.To access your rights under CCPA, please call U.S. +1 833-971-1191 or click here <a href="https://online.citi.com/CCPA_non-US_Request.pdf?ieNocache=687" target="_blank">CCPA non-US Request</a> to print a form and mail to us.<a href="/rcs/citigpa/storage/public/australia/Citi-Australia-Privacy-Policy.pdf" target="_blank">Australia Privacy Policy (PDF)</a><a href="/rcs/citigpa/storage/public/australia/Citi-Australia-Credit-Reporting-Policy.pdf" target="_blank">Australia Credit Reporting Policy (PDF)</a><a href="/rcs/citigpa/storage/public/australia/Citi-Australia-Internet-Privacy-Statement.pdf" target="_blank">Australia Internet Privacy Statement (PDF)</a> &nbsp;

<h3>Citi Australia Privacy Statement</h3>

Bank Regulation not applicable to certain Financial ProductsCitibank, N.A. is incorporated in the United States of America and its principal regulators are the US Office of the Comptroller of Currency and Federal Reserve under US laws, which differ from Australian laws. Citibank, N.A. does not hold an Australian financial services licence under the Corporations Act 2001 as it enjoys the benefit of an exemption under ASIC Class Order CO 03/1101 (remade as ASIC Corporations (Repeal and Transitional) Instrument 2016/396 and extended by ASIC Corporations (Amendment) Instrument 2024/497).Citi Global Markets Australia Pty Limited (“Citi Global Markets”) and Citigroup Pty Limited are not Authorised Deposit-Taking Institutions under the Banking Act 1959, nor are they regulated by the Australian Prudential Regulation Authority. Financial products recommended, offered, or sold by Citi Global Markets: (i) are not insured by the Federal Deposit Insurance Corporation; (ii) are not deposits or other obligations of any insured depository institution (including Citibank N.A.); and (iii) are subject to investment risks, including the possible loss of the principal amount invested. Citibank N.A. does not stand in any way behind the capital value and/or performance of other Citi entities. &nbsp;

<h3>Legal Entity Disclosures</h3>

If you have any complaints regarding the information on this site you should contact the compliance manager at Citi or your relationship manager. For complaints relating to the Citi legacy consumer business and the closed accounts that did not transfer to NAB, please refer to <a href="/rcs/citigpa/storage/public/australia/citi-australia-complaints-process.pdf" target="_blank">Citi’s Complaints Process</a>.

<h3>Complaints</h3>

At Citi, we aim to operate to the highest ethical standards in everything we do. Early identification and resolution of issues is critical to maintaining our relationships and obligation to act responsibly. We encourage our employees and other partners to raise misconduct and ethical concerns under the <a href="/rcs/citigpa/storage/public/australia/citi-australia-whistleblower-policy.pdf" target="_blank">Citi Australia Whistleblower Policy</a>.<h4>How to report concerns</h4>You may report your concerns to the Citi Ethics Office openly or anonymously, via a toll-free number (available 24 hours per day, seven days per week in multiple languages) or online submission.All contacts to the Citi Ethics Office and related investigations are treated as confidentially as possible, consistent with the need to investigate and address the matter and subject to applicable laws and regulations.<a href="/global/ethics-hotline" target="_blank">Click here for Citi Ethics Office's contact information</a>. You may also raise your concerns to dedicated individuals listed in the <a href="/rcs/citigpa/storage/public/australia/citi-australia-whistleblower-policy.pdf" target="_blank">Citi Australia Whistleblower Policy</a>. &nbsp;

<h3 id="mss">Reporting Misconduct and Ethical Concerns</h3>

<h3>Citi Australia Modern Slavery Statement </h3>

<h3>Disclosure Statements</h3>

<figure class="table" style="width:100%;"><table style="border-color:transparent;color:#22303e;line-height:18px;" border="1"><tbody><tr style="background-color:#f0f4f7;border-bottom:1px solid #c8d5e1;height:48px;"><td style="width:70%;">Australian Dollar Rates</td><td style="text-align:right;width:30%;">Interest Rate % p.a. *</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Premium Cash Management Account</td><td style="text-align:right;width:30%;">2.40</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Institutional Deposit</td><td style="text-align:right;width:30%;">1.45</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Corporate Deposit</td><td style="text-align:right;width:30%;">0.65</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Cash Management Account</td><td style="text-align:right;width:30%;">0.55</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Wholesale Deposit</td><td style="text-align:right;width:30%;">0.30</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Gold Deposit</td><td style="text-align:right;width:30%;">0.30</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Standard Deposit</td><td style="text-align:right;width:30%;">0.00</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">Prime Rate</td><td style="text-align:right;width:30%;">7.50</td></tr></tbody></table></figure>&nbsp;<figure class="table" style="width:100%;"><table style="border-color:transparent;color:#22303e;line-height:18px;" border="1"><tbody><tr style="background-color:#f0f4f7;border-bottom:1px solid #c8d5e1;height:48px;"><td style="width:70%;">USD Rates</td><td style="text-align:right;width:30%;">Interest Rate % p.a. **</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">USD Deposit</td><td style="text-align:right;width:30%;">0.75</td></tr><tr style="border-bottom:1px solid #c8d5e1;height:60px;"><td style="width:70%;">USD Prime Rate</td><td style="text-align:right;width:30%;">6.75</td></tr></tbody></table></figure>* Interest Rates effective 13 August 2025. Margins may apply. ** Interest Rates effective 11th December 2025. Margins may apply.<o:p></o:p>

<h3>Current Australian Rates</h3>

Citi is committed to reducing the gender pay gap and increasing female representation across all areas of our business. The WGEA Gender Pay Gap reporting is an important tool for driving transparency and accountability across the Australian private sector and we are pleased to publish our data on an annual basis.It is important to note that the gender pay gap reflects the unadjusted median pay of women and men at Citi regardless of job function, grade, performance, tenure, and other factors. It is not a measure of the difference in pay between women and men doing the same job.We are encouraged to see that Citi Australia’s gender pay gap has improved year on year, across all categories of measurement for our internal results. When looking at median total remuneration, Citi’s gap is 25.6% for the 2023-2024 reporting period. This demonstrates we still have more work to do.We are committed to a practical approach to driving change. Initiatives we have implemented for Australia include:<ul style="list-style-type:disc;"><li>Participating in industry bodies like Women in Banking and Finance and Women in Payments.</li><li>Supporting our internal network, the Citi Inclusion Council Women’s Stream.</li><li>Enhancing our parental leave benefits to provide greater benefits to carers.</li></ul>We are confident these initiatives will help us move the needle and continue to see improvement in our figures next year.Diversity is a strength and it remains something we drive as a priority at a senior leadership level. &nbsp;Progressing gender equityOur approach to equity at work seeks to broaden the representation of those working within all levels of our firm, create a more inclusive environment and develop ways to widen our impact for our suppliers, clients, customers and communities we serve.Citi Australia has a range of initiatives and programs aimed at reducing our gender pay gap and supporting an inclusive workplace for all our diverse colleagues. Citi Inclusion CouncilThe Citi Inclusion Council has a dedicated Women stream aimed at helping foster an inclusive culture at the firm. This includes raising awareness of the challenges facing women in the workplace and facilitating networking.Women in Payments sponsorship Citi is a proud Global Sponsor of Women in Payments, a global organisation of women from across the payments and fintech industry working towards gender parity. Founded in 2011, Women in Payments is a global organisation, supporting women and the challenges they face within the male-dominated payments industry. Women in Payments now has over 3,000 members in over 70 countries.How We Work — hybrid working modelIn 2022 Citi rolled out a new work model to enable all employees globally to better balance work and life while delivering the many benefits of being together in person: belonging, connectivity and collaboration. Colleagues in designated Hybrid roles work from the office three days a week, as a minimum.Pay Equity ReviewCiti’s 2022 pay equity review determined that on an adjusted basis, women globally are paid on average more than 99% of what men are paid at Citi.Women in Banking and FinanceCiti Australia is a member of Women in Banking and Finance, an organisation focused on making a tangible impact in addressing gender diversity by increasing the representation of female leaders in the banking and finance sector.

<h3 id="consumer">Citi Employer Statement on WGEA gender pay gap data</h3>

The Citi consumer business transferred ownership to National Australia Bank (NAB) on June 1, 2022.&nbsp;Please contact NAB for more information about your accounts.&nbsp;For any concerns or questions relating to your closed accounts, credit cards and loans that were not transferred to NAB, you may send an e-mail to <a href="mailto:consumerserviceau@citi.com">consumerserviceau@citi.com</a>.&nbsp;You can find <a href="/rcs/citigpa/storage/public/australia/citi-australia-complaints-process.pdf" target="_blank">Citi's Complaints Policy</a> relating to your closed accounts, credit cards and loans that did not transfer to NAB here.&nbsp;

<h3>Citi Consumer Business Transition</h3>

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Careers at Citi Austria

Citi has had a presence in Austria since 1970, offering corporate, investment banking and financial services to Austrian clients throughout the world. Our employees serve major corporations, financial institutions and public sector clients around the globe, as well as multinational subsidiaries operating in Austria. The Vienna office provides wholesale banking services only.

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Euromoney

Citi began operating in the Bahamas in 1960 as First National City Bank of New York and First National City Trust Company (Bahamas) Limited. •	Activities included offshore Euro Dollar deposits, limited local retail banking and the Trust business (Fiduciary services)

In 1972, Citi moved into a Citi owned building in Oakes Field. A branch was maintained downtown.

In 1976, the entities changed their names to Citibank N.A. and Cititrust (Bahamas) Limited respectively.

In 1987, Citibank implemented a full service consumer bank business.

In 1994, Citi established a local presence in Latin American Investment Bank Bahamas Limited to support offshore activity booked in Bahamas entities.

In 2001, Citibank closed its consumer bank business, and the same year opened a niche corporate bank business serving clients operating in the local economy.

In 2010, Citibank opened a mini branch at Thompson Boulevard to service the cash needs of its domestic clients.

In 2017, Citi established a new office in the Albany Financial Center with a focus on Wealth Management.

In 2021, Citi moved its Bahamas headquarters to new premises in Caves Corporate Centre on West Bay Street, including its ICG client-facing branch.

Citi established operations in The Bahamas in 1960 and for more than 60 years has provided Corporate and Investment Banking services in the country. Over the course of its history in The Bahamas, Citi has been involved in major project financing within the country, related to the public infrastructure, logistics, telecommunications and power sectors. Citi also provides transactional banking through its award-winning internet banking platform, CitiDirect®, as well as its foreign exchange platform CitiFX Pulse®.

Bahamas

For more than 55 years, Citi Bahrain has played a pivotal role in the financial landscape of Bahrain and the broader Middle East. A leader in Corporate & Investment Banking and Islamic Banking, Citi serves global multinationals, Bahraini corporates and financial institutions, and public sector corporations with a comprehensive suite of products and services, including financing, capital markets, advisory, hedging, investments, trade, and cash management.

Please note that the below mentioned complaint handling process is applicable only to complaints or queries raised by customers of Citibank, N.A., Bahrain Branch ("Citi Bahrain") regarding Citi Bahrain products, services or offers. Citi Bahrain shall not be responsible for handling any complaints or queries raised by customers of Citibank N.A. branches outside of Bahrain or any other Citigroup entities.At Citi, we endeavor to provide a world-class level of service through a continuous process of staff training and improvement in our processes. Whilst we are grateful for your positive feedback with regards to our standards of service, it is equally important for us to welcome any concerns you may have with regards to the service provided by our bank. This will help us in further improving our existing standards.In this regard, you may register any concerns or suggestions regarding the Service through the following channels.Direct number: +973 17588555 / +973 17584109 / 17584207 Fax number: +97317588545 Email: <a href="mailto:citiservice.bahrain@citi.com" target="_blank">citiservice.bahrain@citi.com</a> Specifically, for complaints, please reach out to our Complaints Officer Ms. Lamees Almahroos at <a href="mailto:lamees.abbas.almahroos@citi.com" target="_blank">lamees.abbas.almahroos@citi.com</a> or telephone +973 17584123.We aim to acknowledge your complaint within five working days and will contact through the contact details provided. A comprehensive investigation into the concern or complaint will then be raised. You can find the full complaints guide here.

Services Complaints Procedure

CitiService is an integrated customer inquiry line for after-sales service dedicated to giving you easy access to accurate answers in the shortest possible time. In today's environment, speed and accuracy are critical - we know you need the right answers, right away. With CitiService, you only need to call +973 17588555. One number will put you straight through to a CitiService Officer who will be able to handle all your customer service inquires on-line. If they can't give you an answer immediately, they will be able to tell you exactly when you can expect a response and update you regularly on your inquiry.CitiService has been designed to show our commitment to achieve customer satisfaction. The concepts &amp; principles of CitiService are to provide our corporate clientele one gateway into the bank for Investigations and Information regarding products that Citibank® N.A. offers.CitiService is dedicated to you, bringing superior customer service to your fingertips. It's fast, efficient and we are ready to serve you right away.<h4>What kind of inquiries will CitiService handle?</h4>CitiService handles only corporate enquires including:<ul style="list-style-type:disc;"><li>General product information</li><li>Balance and statement inquiries</li><li>Transaction investigations</li><li>Requests for technical support</li><li>Information on banking practices &nbsp;</li></ul><h4>When can I contact CitiService?</h4>Corporate and Investment Banking CitiService is open for your inquiries &amp; investigations from 08:30 to 17:30 from Sunday to Thursday.<h4>How can I contact CitiService?</h4>You can access CitiService by phone, fax, mail or e-mail via the followingPhone numbers: +973 17588555 / 17584109 / 17584207 Fax number: +97317588545 Address: CitiService Bahrain Citibank House 1133 Road 2819 Al Seef District 428 Kingdom of Bahrain E-mail: <a href="mailto:citiservicebahrain.co@citi.com" target="_blank">citiservicebahrain.co@citi.com</a><h4>What kind of products does CitiService cover?</h4>CitiService covers all of your Corporate and Investment Banking customer service inquiries for the following products:<ul style="list-style-type:disc;"><li>Cash Management Products &amp; Services</li><li>Account Services</li><li>How long should I expect to wait for a response?</li></ul>Straightforward requests for information, such as balance or statement inquiries, will be answered immediately. More complex requests, such as transactions &amp; requests for action or investigations, will be answered within standardized time frames (As per the nature of the enquiry). &nbsp;

CitiService

<h4>Managing Risk – An Overview</h4>For Citi Bahrain, effective risk management is of primary importance to its overall operations. Accordingly, Citi’s risk management process has been designed to monitor, evaluate and manage the principal risks it assumes in conducting its activities. Specifically, the activities that Citi engages in, and the risks those activities generate, must be consistent with Citi’s mission and value proposition, the key principles that guide it, and Citi’s risk appetite.Under Citi’s mission and value proposition, which was developed by Citi’s senior leadership and distributed throughout the Company, Citi strives to serve its clients as a trusted partner by responsibly providing financial services that enable growth and economic progress while earning and maintaining the public’s trust by constantly adhering to the highest ethical standards. As such, Citi asks all employees to ensure that their decisions pass three tests: (1) they are in our clients’ interests (2) create economic value and (3) they are always systemically responsible. Additionally, Citi evaluates employees’ performance against behavioral expectations set out in Citi’s leadership standards, which were designed in part to effectuate Citi’s mission and value proposition. Other culture-related efforts in connection with conduct risk, ethics and leadership, escalation and treating customers fairly help Citi to execute its mission and value proposition.Citi’s risk governance framework consists of the policies, standards, procedures and processes through which Citi identifies, assesses, measures, manages, monitors, reports and controls risks across the Company.It also emphasizes Citi’s risk culture and lays out standards, procedures and programs that are designed and undertaken to enhance the Company’s risk culture, embed this culture deeply within the organization, and give employees tools to make sound and ethical risk decisions and to escalate issues appropriately.Citi manages its risks through each of its three lines of defense: (i) business management, (ii) independent control functions and (iii) internal audit. The three lines of defense collaborate with each other in structured forums and processes to bring various perspectives together and to lead the organization toward outcomes that are in clients’ interests, create economic value and are systemically responsible.<h4>Managing Operational Risk – An Overview</h4>Operational risk for Citi Branch, is managed in line with the Operational Risk Management Policy (issued at a group level), which defines an overall framework designed to balance strong corporate oversight with well-defined independent risk management. Citi Bahrain has also adopted the ‘Three Lines of Defense’ Governance Structure for effective management of Operational Risk as well as the “Manager’s Control Assessment (MCA)” Standards and Procedure to assist / support business managers to self-assess significant operational risks and key controls and identify and address weaknesses in the design and / or operating effectiveness of internal controls that mitigate significant operational risks.Citi Bahrain also has a clear process for identifying, accounting and reporting events related to operational risk. Each loss (or gain) posted on the books of the Bank, &amp; recording the same in a database (Loss Capture system) in line with the thresholds as defined by Citi’s Operational Risk Management Data Quality Standards. An analysis of the significant losses reported are done in order to take the necessary corrective actions &amp; implement mitigating controls.Additionally, the in-country Operational Risk Management, works proactively with the businesses and other independent control functions to embed a strong operational risk management culture and framework across Citi. Operational Risk Management engages with the businesses to ensure effective implementation of the Operational Risk Management framework by focusing on (i) identification, analysis and assessment of operational risks, (ii) effective challenge of key control issues and operational risks and (iii) anticipation and mitigation of operational risk events.At a country level there exists a Country Coordinating Committee (CCC) which is the principal committee for escalation and reporting of operational risk events, internal control, legal, compliance, regulatory and risk issues. The key objectives of the CCC are:<ul style="list-style-type:disc;"><li>To discuss and challenge the management of the most significant risk and control issues impacting the local business activities, including the proposed associated action and remediation plans.</li><li>To monitor the management of business risks that affect the franchise and as well as its constituent parts through assisting Senior Management to focus on the most significant risk, control issues, emerging risks impacting business objectives and activities, and the timeliness and effectiveness of corrective actions. The Citi Country Officer (CCO) of Citi Bahrain, serves as the Committee chair and the committee comprises of key representatives from the First, Second &amp; Third Lines of Defense.</li></ul><h4>Operational Risk Appetite Statement</h4><h5>Objectives</h5>Citi Bahrain’s goal is to keep operational risk at appropriate levels relative to the characteristics of its businesses, the markets in which it operates, its capital and liquidity, and the competitive, economic and regulatory environment. The entity recognizes that operational risk is inherent in its global business activities and related support processes. To anticipate, mitigate and control operational risk, the entity follows Citi-wide policies, and the institutional framework for assessing, monitoring and communicating operational risks and the overall operating effectiveness of the internal control environment across Citi.<h5>Risk Appetite</h5>Citi Bahrain also recognizes that operational risk can occur broadly and has impact beyond financial losses. Local Management has implemented a Manager’s Control Assessment (MCA) program that relies on key indicators across various operational risk categories and established methodologies and tools to facilitate monitoring where appropriate so that any exceptions and / or negative trends are captured in operational risk management reporting. Citi Bahrain:<ul style="list-style-type:disc;"><li>Maintains a well-controlled operating environment for its businesses and functions to mitigate the most material risks (e.g., including but not limited to external fraud and errors in processing, data);</li><li>Expects employees to uphold the highest ethical standards of conduct in accordance with Citi’s values, policies and control framework and report concerns as set forth in the employee code of conduct;</li><li>Expects Third Parties providing significant products or services to businesses and support areas will hold themselves to the highest standards of conduct in accordance with Citi’s values, policies and control framework;</li><li>Does not tolerate:<ul><li>Violations of laws or regulations,</li><li>Fraud committed by its staff,</li><li>Deliberate actions that result in harm to clients;</li></ul></li><li>The entity recognizes that mistakes occur but has very little appetite for:<ul><li>Activities which could result in financial statements that inadequately reflect Citi’s financial profile or in a material weakness in financial reporting controls,</li><li>Threats to company assets or data arising from malicious attacks or inadequate protection,</li><li>Damage from inability to timely recover from a major interruption to business operations, technology or facilities,</li><li>Behavior inconsistent with responsibly providing financial services or which could result in reputational harm.</li></ul></li></ul>

Operational Risk Disclosure

<h4>Corporate Governance Framework</h4>Citibank, N.A., Bahrain Branch ("Citi Bahrain") is a wholly owned branch of Citibank, N.A. (“Citibank” or the “Bank”), a national banking association organized and existing under the laws of the United States of America) and a subsidiary of Citigroup Inc. (“Citi”). Citi established a ""Governance Policy"" which establishes group-wide principles and requirements for Corporate Governance, covering the operation of global Governance Committees which support’s Citibank’s Board Oversight. This Governance Policy sets out the requirements and principles to implement a comprehensive, transparent, and globally consistent governance framework to oversee and govern Citi’s risks and controls. The governance principles apply to all primary risks within Citi’s Risk Governance Framework (""Citi's RGF""), specifically credit, market (trading and non-trading), liquidity, operational, compliance, strategic and reputation risks, which also aligns to the Office of the Comptroller of the Currency (“OCC”) Heightened Standards.&nbsp;Citi’s Governance is aligned through its RGF which provides guiding principles by which Citi identifies, assesses, measures, monitors and controls its risk profile. Further to the above, Citi has a ""Country Governance Standard"", which establishes globally consistent country-level governance standards that are aligned with the Governance Policy which stipulates Groupwide governance requirements. The Country Governance Standard establishes the role and responsibilities of a Citi Country Officer &amp; Banking Head (“CCOBH”) and outlines requirements for a single country Governance Committee - Country Coordinating Committee (“CCC”), whose primary purpose is to support legal entity governance. The CCC is deployed to cover all the seven ERMF Level 0 risk categories mentioned in the RGF. The CCC is authorized to govern and oversee the management of these risk categories, including making decisions with regard to actions necessary to manage risk profile against the defined risk appetite. It covers all Citi entities in Bahrain to include (i) Citibank, N.A., Bahrain branch (Conventional Wholesale Banking); (ii) Citibank, N.A., Bahrain branch (Conventional Retail Banking); (iii) Citi Islamic Investment Bank E.C. Bahrain (Wholesale Banking on Islamic Principles); and (iv) Citicorp Banking Corporation – Bahrain branch (Conventional Wholesale Banking).Citi’s international franchises have been managed by a globally standardized framework, centred around the CCOBH role and the CCC. Local regulatory environment, the size and visibility of Citi’s presence, the range of business and product lines, and the complexity of franchise structure differ in the countries in which Citi has presence. The CCOBH has the ultimate responsibility to oversee governance in each country in ways that meet the need of the local franchise and the requirements and expectations of local regulators, in accordance with the Governance Policy. The CCOBH plays an important role of bringing the country and legal entity lenses of governance together. Citi Bahrain (given its size, complexity, and risk profile) is classified as a Core Network Country. All Business and control functions of Citi Bahrain form the Governance Committee – CCC and they provide reasonable assurance of the effectiveness and efficiency of firm's operations. Depending on the severity, issues are also escalated to the Middle East and Africa cluster Governance Committees (or above depending on the issue severity). The CCOBH performs the crucial role of leading and protecting Citi franchise. The CCC oversees all operational and business activities of Citi Bahrain and provides reasonable assurance of the effectiveness and efficiency of firm's operations.&nbsp;

Internal Corporate Governance Policy

CBB mandated purpose codes are available here in <a href="/rcs/citigpa/storage/public/Bahrain/purpose.pdf" target="_blank">English</a> and <a href="/rcs/citigpa/storage/public/Bahrain/purpose_Arabic.pdf" target="_blank">Arabic</a> - please refer to Section 6.Pricing Schedule available <a href="/rcs/citigpa/storage/public/Bahrain/Cash_and_Trade_Bahrain_Price_List.xlsx" target="_blank">here</a>.&nbsp;

Regulatory Items

Bahrain

American Chamber of Commerce in Bangladesh

Citi-Foundation-UNDP Youth Co:Lab Programme “Collaboration Partnership Award

Citi Bangladesh provides award winning services and solutions to the Corporate Bank Clients.

Citibank has established a strong presence in Bangladesh since its opening of representative office in 1987 with currently three branches in Dhaka and Chattogram, along with service outlets at the two largest Export Processing Zones in the country and more than 150 employees. As a trusted partner to clients, for over three decades, Citibank has been providing financial services across the Corporate/Institutional Clients in Bangladesh and contributing towards the development of country's financial service sector with its innovative product, service and financing solutions. Citibank has been and continues to be involved in partnering progress in Bangladesh with many pioneering financing products and digital offerings. Citibank in Bangladesh operates across the Corporate/Institutional clients proudly offering support to global multinational companies, Bangladeshi top corporates, financial institutions and public sector clients with award-winning cash management, trade services & financing, working capital financing, agency & trust, custody and treasury solutions.
 
Citibank has more than 200 years of experience in supporting clients and serves as a trusted partner to the clients by responsibly providing financial services that enables growth and economic progress. Our global network gives us the ability to connect and do business in nearly 180 countries and jurisdictions (90+countries with on-the-ground presence) and consistently harnesses the power of Citi’s talent, expertise and global reach to support both multinational and local conglomerates in achieving their strategic objectives. Bangladesh operations is an important part of Citi’s global network which benefits the clients; as Bangladesh has been emerging as one of the world's fastest-growing economies. Citibank in Bangladesh has been at the forefront in offering seamless client experience along with providing innovative solutions leveraging Citi's award-winning digital technologies 

Financial Statements

Disclosures on Risk Based Capital

Rate Matrix & Schedule of Charges 

Declared Interest/Profit Rates of Loans/Investments

Surrendered Unclaimed Items

Exchange Rates

Citibank, N.A., Bangladesh recognizes Sustainable Finance and Green Finance as critical priority sectors. The bank disburses loans to Sustainable Finance and Green Finance Products, Projects, Initiatives, Sectors, as identified by the Central Bank, mainly with the help of its Micro Finance Institute (MFI) partners as well as directly to the end users.For any feedback and complaints pertaining to Sustainable Finance and Green Finance, please reach out to <a href="mailto:bangladesh.citiservice@citi.com">bangladesh.citiservice@citi.com</a>&nbsp;

Disclosure on Sustainable Finance and Green Finance

Bank Note Security Features 

Citizen’s Charter

AML CFT Leaflet

Financial Literacy

Awareness Videos on Fake Notes

Citi in the Community

Offshore Banking (OB) has undergone a long developmental transition in Bangladesh due to the global and internal business dynamics. Offshore Banking operations in the country was first allowed by Bangladesh Bank in 1985 with the intention of creating financing opportunities through specialized banking services offered to enterprises at the Export Processing Zones (EPZ). Targeted to drive growth in the foreign currency inflows, offshore banking operations involve providing banking services to facilitate investments and promotion of international trade. Transactions in this space are executed in foreign currencies with banks being required to obtain a separate license to provide offshore banking services.Citibank, N.A., Bangladesh obtained its first Offshore Banking Unit (OBU) license in 2003. There are two Offshore Banking booths located in Dhaka &amp; Chattogram to provide on-the-ground services to our clients.CUSTOMERS OF OFFSHORE BANKINGCiti with its global footprint caters to a range of clients across the EPZ and offers an array of Offshore Banking services facilitating foreign currency denominated assets and liabilities. Below are the entities eligible for operating in Offshore Banking Unit of Citi in Bangladesh:<ul><li>Fully foreign owned (Type A) enterprises of EPZ</li><li>Joint venture (Type B) enterprises of EPZ</li><li>Fully local owned (Type C) enterprises of EPZ</li><li>Non-Resident Foreign Companies</li></ul>PRODUCTS AND SERVICESThe products and services as required by EPZ clients are broadly divided into Import, Export, Short Term Financing, Foreign Exchange conversions, Bill Discounting, and Payment services. Citi Bangladesh provides the following offshore banking services and products to our clients: &nbsp;Trade Services:<ul><li>Import Letter of Credit</li><li>Import under Documentary Collection (DA/DP)</li><li>Discounting of Import &amp; Export Bills/UPAS (Usance Paid at Sight)</li><li>Import Loan</li><li>Open Account ( Export)</li><li>Advance Payment ( Export)</li></ul>Deposit Services:<ul><li>Current Deposits</li><li>Term Deposits</li><li>Savings Deposits</li></ul>Domestic Payment Services:<ul><li>Checks</li><li>Real Time Gross Settlement (RTGS)</li></ul>Loan Products:<ul><li>Short Term loans</li></ul>Treasury Product:<ul><li>Spot Foreign Exchange</li><li>Forward Foreign Exchange</li></ul>

Offshore Banking

Customer Services and Complain Management Cell

Bangladesh

Careers at Citi

With a business presence in Belgium since 1919, Citi Belgium is organized around three of Citi’s businesses: Banking, Markets and Services. We support Belgian-based large and mid-sized multinationals, financial institutions, public entities, and subsidiaries of foreign multinational companies. Together we deliver the full global capabilities of the firm to our clients and support them across the 94 markets where Citi has an on-the-ground presence. Belgium is also home to our European Public Sector office and some of our European Government Affairs colleagues. 

Belgium

Careers at Citi Brazil

Citi has been a leading bank for Brazil’s institutional clients for more than 100 years. Since its establishment in 1915, Citi Brazil offers a broad range of banking services to corporate, institutional and ultra-high-net-worth clients and is known for its high-quality standards and pioneering attitude in creating financial products and services. Citi has contributed to Brazil's growth by channeling investment into the country's infrastructure and private industries, and also serving as the financial advisor to major companies.

Brazil

Careers at Citi Bulgaria

Citi has been present in Bulgaria since November 1998, when a representative office was opened. Since July 2000, Citi Bulgaria has been a full-service corporate and investment financial center.

Bulgaria

Citi has been present in Cameroon since 1997. With offices in Douala and Yaoundé, Citi's key strategic focus in Cameroon is to serve public and private sector clients through cash management, trade and treasury services, corporate finance, lending, securities services and advisory. Through its global network, Citi is well positioned to help Cameroon tap international capital markets.

Cameroon

LinkedIn

Canada’s Top 100

<img src="/rcs/citigpa/storage/public/Canada/citi-mississauga.jpg" alt="Canada.jpg" width="300" height="225"> &nbsp;
Citi Commercial Bank puts 200 years of experience to work for midsized, globally oriented companies by delivering actionable insights and ideas, comprehensive banking solutions and a truly global network.&nbsp;
Learn more about <a href="https://www.citigroup.com/global/businesses/banking/commercial-bank?pk_campaign=canada&amp;pk_source=country_page" target="_blank" rel="noopener" data-link-source="tiny">Commercial Bank</a> at Citi or <a href="https://www.citigroup.com/global/businesses/banking/commercial-bank/contact-us?pk_campaign=canada&amp;pk_source=country_page" target="_blank" rel="noopener" data-link-source="tiny">contact us</a>.&nbsp;

Citi Commercial Bank in Canada

<figure class="image image-style-align-center image_resized" style="border-radius:10px;display:flex;overflow:hidden;width:75%;"><img style="aspect-ratio:1096/958;" src="/rcs/citigpa/storage/public/Canada/citi-foundation-selects-npower-canada-grant-recipient.jpeg" width="1096" height="958" alt="two men shaking hands as part of Citi Foundation selecting NPower as Canada grant recipient"></figure> NPower Canada will receive $500,000 USD in grant support as part of Citi Foundation’s 2025 Global Innovation Challenge to launch the Digital Empowerment for Canadian Youth Initiative.<a class="lmn-btn lmn-btn-primary" style="text-decoration:none;" href="/rcs/citigpa/storage/public/Canada/press-release-citi-foundation-selects-npower-canada-2025-global-innovation-challenge-accelerate-youth-employability.pdf" role="button" target="_blank">Learn more</a>

Citi Foundation Selects NPower Canada as Grant Recipient

First National City Bank of Canada opens in Montreal and Toronto 

Opening of Calgary office to focus on oil and gas clients

Sale of consumer branches to  Canada Trust

Opening of new Consumer Group Centres in London,ON and Mississauga

Divestiture of Canadian Mastercard portfolio ----- Closure of Canadian retail bank

Technology Development Centre established in Mississauga (Toronto)

Français

Citi is one of the country’s largest and longest-serving foreign banks, with roots in Canada dating back to 1919. With offices in Vancouver, Calgary, Montreal, Toronto and Mississauga, Citi's key strategic focus in Canada is to serve clients through Citi Banking, Capital Markets and Advisory; Citi Commercial Bank; Citi Markets; Citi Securities Services; Citi Treasury and Trade Solutions; Citi Private Bank and Citi Cards Canada.

Citi Canada is committed to treating all people in a way that allows them to maintain their dignity and independence. We believe in integration and equal opportunity. We are committed to meeting the needs of people with disabilities in a timely manner, and will do so by preventing and removing barriers to accessibility and meeting accessibility requirements of the&nbsp;Accessible Canada Act (ACA), Accessible Canada Regulations, Accessibility for Ontarians with Disabilities Act and the Integrated Accessibility Standards Regulation.Our <a href="/rcs/citigpa/storage/public/Canada/Citi-Canada-Accessibility-Plan-2023.pdf" target="_blank" rel="noopener" data-link-source="tiny">Citi Canada Accessibility Plan</a> and <a href="/rcs/citigpa/storage/public/Canada/Citi-Canada-Accessibility-Progress-Report_2024_FINAL_ENG.pdf" target="_blank" rel="noopener" data-link-source="tiny">Citi Canada Accessibility Plan Progress Report</a> outline the actions that Citi Canada will put or has put in place to improve opportunities for people with disabilitiesLearn more about our&nbsp;<a href="/rcs/citigpa/storage/public/Canada/WEBSITE-AODA-CUSTOMER-SERVICE-POLICY-EN.pdf" target="_blank" rel="noopener" data-link-source="tiny">Accessible Customer Service Policy: Providing Goods and Services to People with Disabilities</a>.<h2>Feedback Process</h2>We are constantly looking for ways to improve. We welcome all feedback, including feedback provided anonymously, regarding the manner in which we are implementing our Accessibility Plan or regarding barriers encountered by our employees or other persons that deal with Citi Canada. To provide feedback, please refer to the General section on the first page of the Citi Canada Accessibility Plan for details on how to forward your comments and suggestions.<h2>Accessible Formats and Communication Supports</h2>Citi Canada is committed to providing information and communications in an accessible manner to people with disabilities at a cost that is no more than the regular cost charged to other persons. An accessible format or communication is a method of presenting information in a specific format in order to remove potential barriers to accessing and understanding information. Citi Canada understands that people with disabilities may require methods other than standard print to access information and are committed to providing accessible information and communication supports to our customers. Citi Canada offers, large text, Braille, audio format, and electronic format that is compatible with adaptive technology that is intended to assist persons with disabilities. To request an accessible format document, please refer to the General section on the first page of the Citi Canada Accessibility Plan for contact details of the individual who can assist you with your request.

Accessibility

<h2>CITIBANK CANADA</h2><figure class="image image_resized" style="border-radius:10px;display:flex;overflow:hidden;width:fit-content;"><a href="https://www.cdic.ca/depositors/list-of-members/" target="_blank"><img style="display:block;margin-left:auto;margin-right:auto;" src="/rcs/v1/media/citigpa/akpublic/storage/retrieveMediaFile/68e68267b63af12985fdcc6f.png" alt="logo_cdic.png/" width="100"></a></figure>Deposit Product List The following instruments and/or products are deposits eligible for deposit insurance from the Canada Deposit Insurance Corporation, subject always to maximum coverage limitations as outlined in their brochure "<a href="https://www.cdic.ca/wp-content/uploads/cdic-abbreviated-brochure-en.pdf?ieNocache=824" target="_blank" rel="noopener" data-link-source="tiny">Protecting Your Deposits</a>" and provided they are payable in Canada:<figure class="table" style="width:100%;"><table style="border-collapse:collapse;" border="1"><thead><tr style="height:36px;"><th style="background-color:rgb(236, 240, 241);height:36px;text-align:center;width:24.6887%;" scope="row">Chequing/ Savings/ Other Accounts</th><th style="background-color:rgb(236, 240, 241);height:36px;text-align:center;width:24.6887%;" scope="row">Outstanding Payment Items</th><th style="background-color:rgb(236, 240, 241);height:36px;text-align:center;width:24.6887%;" scope="row">Term Deposits</th><th style="background-color:rgb(236, 240, 241);height:36px;text-align:center;width:24.6887%;" scope="rowgroup">Deposits Not Directly Available to Customers</th></tr></thead><tbody><tr style="height:240px;"><td style="height:240px;text-align:center;width:24.6887%;">Wholesale Current AccountsCanadian Dollar Preferred Investment AccountUnited States Dollar Preferred Investment AccountUnited States Dollar Savings AccountOther Foreign Currency Account</td><td style="height:240px;text-align:center;width:24.6887%;">Bank DraftsCertified ChequesUnclaimed Cheques&nbsp;</td><td style="height:240px;text-align:center;width:24.6887%;">Term DepositsTime DepositsWholesale Term Deposits</td><td style="height:240px;text-align:center;width:24.6887%;">Suspense AccountsItems in Transit</td></tr></tbody></table></figure> Trade Name List Citibank Canada operates under the following trade names: Citi, Citi Canada, Citi Private Bank, CPB.**For further information, please contact CDIC at 1-800-461-2342**CITIBANK N.A., CANADIAN BRANCHNOTICEDeposits with Citibank, N.A., Canadian branch are not insured by the Canada Deposit Insurance Corporation

Canada Deposit Insurance Corporation

The Home Depot® Consumer Credit Card<a href="/rcs/citigpa/storage/public/Canada/72001QC-CONS-EN-Online-Disclosures-0424-1.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement – Quebec Customers (Account opening March 15, 2020 and onwards)</a> <a href="/rcs/citigpa/storage/public/Canada/CMA-72001C-QCENG-2.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Quebec Customers (Account opening up to March 14, 2020)</a> <a href="/rcs/citigpa/storage/public/Canada/CMA-72000C-ROCENG-0819-3.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Customers Outside of Quebec with Additional Cardholders opened prior to July 2015</a> <a href="/rcs/citigpa/storage/public/Canada/72000RC-CONS-EN-OnlineDisclosures-0424-4.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Customers Outside of Quebec - all others</a>The Home Depot® Commercial Revolving Card<a href="/rcs/citigpa/storage/public/Canada/74001QCCRC-EN-OnlineDisclosures-0424-5.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Quebec Customers (Account opening March 15, 2020 and onwards)</a> <a href="/rcs/citigpa/storage/public/Canada/CMA-74001CCRCENG-6.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Quebec Customers (Account opening up to March 14, 2020)</a> <a href="/rcs/citigpa/storage/public/Canada/74000RCCRC-EN-Online-Disclosures-0424-7.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Customers Outside of Quebec</a>The Home Depot® Commercial Account<a href="/rcs/citigpa/storage/public/Canada/74000RCPROX-EN-Online-Disclosures-0424-8.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement</a><hr>Consumer Credit Card To login or Register to manage your account and/or Sign up for paperless statements <a href="https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=CACN_HOMEDEPOT&amp;cmp=W~B~Z~M~9~8~ZZZZ~BA~HC~ZZ#signon" target="_blank">click here</a>. Contact 1-800-747-3787 TTY: We accept 711 or other Relay ServiceMake everyday home improvements possible. Convenient for large and small projects alike, The Home Depot® Consumer Credit Card is an ideal addition to any toolbox. Open an account today and enjoy Special promotions offered throughout the year<ul style="list-style-type:disc;"><li>Low minimum monthly payments</li><li>Easy online account management</li><li>Hassle free 365-day returns. Refer to <a href="https://www.homedepot.ca/en/home/customer-support/return-policy.html" target="_blank">homedepot.ca/returns</a> for details.</li><li>No Annual Fees &nbsp;</li></ul>For more information visit <a href="http://www.homedepot.ca/content/credit-centre" target="_blank">The Home Depot Credit Centre</a>.<h2>THE HOME DEPOT COMMERCIAL REVOLVING CARD</h2>To login or Register to manage your account and/or Sign up for paperless statements <a href="https://www.retailservicescommercial.citi.com/USCRSF/CMLSVC/index.html?siteId=CACR_HOMEDEPOT&amp;cmp=W~B~Z~M~9~8~ZZZZ~BA~HC~ZZ#sec/signon" target="_blank">click here</a>. Contact 1-800-668-5336 TTY: We accept 711 or other Relay ServiceIf you would like some payment flexibility, sign up for the Home Depot® Commercial Revolving Card. This card is ideal for small-to-medium businesses that want the option of making minimum monthly payments.<ul style="list-style-type:disc;"><li>Extra 1% in Quarterly Rewards when you link your card with your Pro Xtra Account*</li><li>365 Day In-Store Returns on your The Home Depot commercial card purchases. Refer to <a href="https://www.homedepot.ca/en/home/customer-support/return-policy.html" target="_blank">homedepot.ca/returns</a> for terms and conditions.</li><li>Make convenient monthly payments or pay in full each month</li><li>Easy-to-read, itemized billing</li><li>View and manage account online</li><li>Additional cards for employees</li><li>Convenient purchase tracking options</li><li>No annual fees</li></ul>For more information visit <a href="http://www.homedepot.ca/content/credit-centre" target="_blank">The Home Depot Credit Centre</a>.*Pro Xtra is The Home Depot’s rewards program built specifically for Pros. Your business can enjoy even more rewards and benefits when you use your The Home Depot commercial card. Learn more and sign up today at <a href="https://www.homedepot.ca/en/home/pro/proxtra.html?eid=van:proxtra" target="_blank">homedepot.ca/proxtra</a>.<hr><h2>THE HOME DEPOT COMMERCIAL ACCOUNT</h2>To login or Register to manage your account and/or Sign up for paperless statements <a href="https://www.retailservicescommercial.citi.com/USCRSF/CMLSVC/index.html?siteId=CANP_HOMEDEPOT&amp;cmp=W~B~Z~M~9~8~ZZZZ~BA~HC~ZZ#sec/signon" target="_blank">click here</a>. Contact 1-888-308-5080 TTY: We accept 711 or other Relay ServiceIf you want to keep track of your building costs, apply for the Home Depot® Commercial Account. This card is ideal for medium-to-large businesses that pay their balance in full each month.<ul style="list-style-type:disc;"><li>Extra 1% in Quarterly Rewards when you link your card with your Pro Xtra Account*</li><li>365 Day In-Store Returns on your The Home Depot commercial card purchases. Refer to <a href="https://www.homedepot.ca/en/home/customer-support/return-policy.html" target="_blank">homedepot.ca/returns</a> for terms and conditions.</li><li>Payment due in full each month^</li><li>Easy-to-read, itemized billing</li><li>View and manage account online</li><li>Cards for each Authorized Buyer</li><li>Convenient purchase tracking options</li><li>No annual fees</li></ul>For more information visit&nbsp;<a href="http://www.homedepot.ca/content/credit-centre" target="_blank">The Home Depot Credit Centre</a>.^ This is a non-revolving account and must be paid in full each month. *Pro Xtra is The Home Depot’s rewards program built specifically for Pros. Your business can enjoy even more rewards and benefits when you use your The Home Depot commercial card. Learn more and sign up today at <a href="https://www.homedepot.ca/en/home/pro/proxtra.html?eid=van:proxtra" target="_blank">homedepot.ca/proxtra</a>. &nbsp;

Citi Cards Canada Information and Cardholder Agreements

Citigroup Global Markets Canada Inc. (“CGMCI”) is a member of the <a href="https://www.ciro.ca/" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investment Regulatory Organization (CIRO)</a> and the <a href="https://www.cipf.ca/" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investor Protection Fund (CIPF)</a>. CGMCI is registered as an Investment Dealer.Should you require additional information about the way in which orders are handled, please refer to Citi’s <a href="/rcs/citigpa/storage/public/Canada/Order-Handling-Execution-EN-AL-2024.pdf" target="_blank" rel="noopener" data-link-source="tiny">Order Handling Policy</a>.For additional information regarding filing a complaint please read <a href="https://www.ciro.ca/office-investor/how-make-complaint" target="_blank" rel="noopener" data-link-source="tiny">Complaint and Inquiry Submission- Secure Form</a> published by <a href="https://www.ciro.ca/" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investment Regulatory Organization (CIRO)</a>.NOTICEDeposits with Citibank, N.A., Canadian branch are not insured by the Canada Deposit Insurance Corporation<img class="image_resized" style="aspect-ratio:417/108;border-radius:10px;width:35%;" src="/rcs/v1/media/citigpa/akpublic/storage/retrieveMediaFile/65fbf1b6ca93067fe39cbb74.png" alt="Web -PNG- Stacked for White Background.png" width="417" height="108"> &nbsp;<figure class="image image_resized image-style-align-center" style="border-radius:10px;display:flex;overflow:hidden;width:fit-content;"><img style="aspect-ratio:300/222;" src="/rcs/v1/media/citigpa/akpublic/storage/retrieveMediaFile/6759e52c5b046724dac6545d.jpg" alt="CIPF-Logo-EN.jpg" width="300" height="222"></figure>

 Citigroup Global Markets Canada Inc.

In compliance with the Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations, Citibank Canada has designated the following offices for the service of enforcement notices in respect of the below noted provinces.Alberta Citibank Canada 888 - 3rd Street SW, Suite 1510 Calgary, Alberta&nbsp; T2P 5C5British Columbia Citibank Canada 550 Burrard Street, Bentall 5, Suite 1228 Vancouver, BC V6C 2B5Ontario Citibank Canada 123 Front Street West, Suite 1900 Toronto, Ontario M5J 2M3Quebec Citibank Canada 1501 McGill College Avenue, 15th floor Montréal (Québec) H3A 3M8

Family Maintenance Support Orders and Support Provisions

Our goal is to maintain your trust and confidence when handling personal information about you.You Have Choices: As a Citi™ Canada customer, you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.Security Of Personal Information: The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.The Citi Canada Privacy of Personal information Statement (the Privacy Statement) describes how we collect and use your information, how it may be shared and with whom, our security practices and your privacy choices. To view the Privacy Statement, click on the Privacy of Personal Information Statement PDF below.If you have any questions, concerns or a complaint about privacy, confidentiality or the handling of personal information, please let us know. You may contact us by phone, mail or email as noted below. If forwarding written correspondence* please include your full name, address and telephone number.Telephone: Please contact the office that you deal with or visit the Privacy Statement for a list of toll-free numbers for the various Citi Canada businesses.Mail: Chief Privacy Officer, Citi Canada Quebec Data Protection Officer, Citi Canada 123 Front Street West, Suite 1600 Toronto, Ontario M5J 2M3 Phone: 1-888-245-1112; Toronto 416-947-4122 Email: <a href="mailto:canada.privacy.office@citi.com" target="_blank" rel="noopener" data-link-source="tiny">canada.privacy.office@citi.com</a>If, after contacting us, you do not feel we have adequately addressed your concerns you may contact:The Office of the Privacy Commissioner of Canada Toll-free Telephone: 1-800-282-1376 Mail: 30 Victoria Street, Gatineau, QC K1A 1H3 Fax: 819-994-5444 Visit: <a href="http://www.priv.gc.ca/en/report-a-concern" target="_blank" rel="noopener" data-link-source="tiny">www.priv.gc.ca/en/report-a-concern</a>*Please be advised that any information sent via email is not considered secure and privacy cannot be ensured. Therefore, we ask that you not include any confidential information such as bank account numbers, credit card numbers, or other account details.<a href="/rcs/citigpa/storage/public/CitiCanada-Privacy-Personal-Info-Statement-ENG.pdf" target="_blank" aria-label="View Privacy of Personal Information Statement PDF" data-event-category="Link" data-event-action="Open" data-link-source="tiny"><img style="background-repeat:no-repeat;border-radius:10px;box-sizing:border-box;margin-right:8px;vertical-align:bottom;" src="/rcs/citigpa/storage/public/Icon/FileIcon/PDF.svg" alt="" width="26" height="28"></a> <a style="font-weight:400;line-height:26px;" href="/rcs/citigpa/storage/public/CitiCanada-Privacy-Personal-Info-Statement-ENG.pdf" target="_blank" rel="noopener" data-event-category="Link" data-event-action="Open" data-link-source="tiny">Privacy of Personal Information Statement</a>&nbsp;<a href="/rcs/citigpa/storage/public/Citi_Canada_Employee_Application_Privacy_Statement_FINAL_EN_FR.pdf" target="_blank" aria-label="View Citi Canada Employee Application Privacy Statement PDF" rel="noopener" data-event-category="Link" data-event-action="Open" data-link-source="tiny"><img style="background-repeat:no-repeat;border-radius:10px;box-sizing:border-box;margin-right:8px;vertical-align:bottom;" src="/rcs/citigpa/storage/public/Icon/FileIcon/PDF.svg" alt="" width="26" height="28"></a><a href="/rcs/citigpa/storage/public/Citi_Canada_Employee_Application_Privacy_Statement_FINAL_EN_FR.pdf" data-link-source="tiny"> Citi Canada Employee Application Privacy Statement</a>

Privacy Statement

The Bank Act requires banks to inform customers and the public in plain language that certain conduct by its employees is illegal. To comply with the law, Citibank Canada and its wholly-owned subsidiaries and Citibank, N.A., hereafter referred to as "Citibank", have created this web page explaining the conduct that is prohibited and how to contact us if you have any questions, complaints or concerns.<hr>What Conduct is Prohibited? The Bank Act prohibits the bank engaging in certain conduct. It is against the law to:<ul><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">impose undue pressure on a person, or coercing a person, for any purpose;</li><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">engage in coercive tied selling; or</li><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">take advantage of a person.</li></ul> What is Coercive Tied Selling? The Bank Act prohibits a bank from practicing coercive tied selling which involves a bank imposing undue pressure on or coercing a person to obtain a product or service from a particular person, including the bank and any of its affiliates, as a condition for obtaining another product or service from the bank. You cannot be unduly pressured to buy a product or service that you don't want, from a bank or one of its affiliates, to obtain another bank product or service.Examples of Prohibited Conduct The following examples will help to explain prohibited conduct and what is not allowed.<ul><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">A banking representative suggests you open a new credit card. You refuse and provide a reason for not needing or wanting it. The banking representative continues to insist that you get the credit card and tells you it would help meet their sales target. You relent and agree to the credit card.</li><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">Your bank's mortgage specialist tells you that you qualify for a home mortgage. However, you are also told that the bank will approve your mortgage only if you transfer your investments to the bank or its affiliates. You want the mortgage, but you do not want to move your investments.</li><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">Your bank's credit officer tells you that you qualify for a Registered Retirement Savings Plan (RRSP) loan. However, you are also told that the bank will approve the loan only if you use the money to buy the bank's mutual funds. You want the loan, but you want to invest the money somewhere else.</li></ul>All of the above practices are against the law since a bank cannot pressure, coerce or take advantage of you. If you qualify for a product, a banking representative is not allowed to excessively pressure you to buy another unwanted product or service as a condition of obtaining the product you want.What is NOT Prohibited Conduct? Most businesses, including Citibank, look for tangible ways to show their interest in your business and appreciation for your loyalty. Sales practices, such as preferential pricing and bundling of products and services, offer potential and existing customers better prices or more favourable terms. These practices should not be confused with prohibited conduct under the Bank Act. Many of these practices will be familiar to you in your dealings with other businesses.What is Preferential Pricing? Preferential pricing means offering customers a better price or rate on all or part of their business. For example, a shoe store offers a second pair of shoes at half price.Similarly, a bank may be able to offer you preferential pricing - a higher interest rate on investments or a lower interest rate on loans - if you use more of its products or services. The following two examples will help to explain preferential pricing in banks.<ul><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">After approving your application for a home mortgage from the bank, your bank's mortgage specialist tells you that this mortgage would be available at a lower interest rate if you transferred your investments to the bank or its affiliates.</li><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">After approving your application for an RRSP loan, your bank's credit officer offers you a lower interest rate if you use the loan to buy the bank's mutual funds.</li></ul>The above practices are acceptable. The approval of your mortgage and RRSP loan is not conditional on your taking another bank product or service. Rather you are offered preferential pricing to encourage you to give the bank more business.What is Bundling of Products and Services? Products or services are often combined to give consumers better prices, incentives or more favourable terms. By linking or bundling their products or services, businesses are often able to offer them to you at a lower combined price than if you bought each product on its own. For example, a fast-food chain advertises a meal combination that includes a hamburger, fries and a drink. The overall price is lower than if you bought the three items separately.Similarly, banks may offer you bundled financial services or products so that you can take advantage of package prices that are less than the sum of the individual items.The following example will help to explain the bundling of bank products and services.<ul><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">You plan to open a bank account that charges you for individual transactions. The banking representative offers you a package of services that includes a comparable bank account, a safety deposit box and a credit card with no annual fee. The total price for the package is less than if you purchased each part of the package separately.</li></ul>Bundling products in this way is permitted because you have the choice of buying the items individually or in a package.How do we Manage our Credit Risk? To ensure the safety of their depositors, creditors and shareholders, banks must carefully manage the risk on the loans and credit cards they approve. Therefore the law allows us to impose certain requirements on borrowers as a condition for granting a loan - but only to the extent necessary for us to manage our risk.The following example will help to explain how banks manage such risk.<ul><li style="color:rgb(0, 0, 0);font-family:Citi-Sans-Text-Regular;">You apply for an operating loan for your business. To manage the risk associated with the loan, your bank requires your business to have an operating account with the bank as a condition for obtaining the loan.</li></ul>The above example is legal and appropriate. Having your business' operating account at the bank allows your bank to assess possible risks associated with your business' cash flow and manage the risk associated with the loan.At Citibank, our requirements for borrowers will be reasonable and consistent with our level of risk.What is Our Commitment to You? We expect all employees at Citibank to comply with the law and not to engage in any type of prohibited conduct, including coercive tied selling practices or conduct that imposes undue pressure, coerces or takes advantage of another person. We urge you to let us know if you believe that you have experienced any of these prohibited practices in any dealings with us.How Can You Contact Us? Please let us know if you have any questions, complaints or concerns about your dealings with Citibank:Chief Compliance Officer/Senior Complaints Officer Citibank Canada 123 Front Street West, Suite 1600 Toronto, Ontario M5J 2M3 Phone: 1-888-245-1112You may also contact OBSI or the FCAC as noted below.Ombudsman for Banking Services and Investments (OBSI) 20 Queen Street West, Suite 2400 P.O. Box 8 Toronto, Ontario, M5H 3R3 Phone: 1-888-451-4519 Email: <a href="mailto:ombudsman@obsi.ca" target="_blank" rel="noopener" data-link-source="tiny">ombudsman@obsi.ca</a>Financial Consumer Agency of Canada (FCAC) The FCAC is responsible for ensuring that all financial institutions comply with federal consumer legislation and will investigate any complaint that relates to a possible breach.You may contact the FCAC in writing at 427 Laurier Avenue West, 5th Floor, Ottawa ON, K1R 1B9; by calling 1-866-461-3222 (English); 1-866-461-2232 (En Francais) or through its website at <a href="http://www.fcac-acfc.gc.ca" target="_blank" rel="noopener" data-link-source="tiny">http://www.fcac-acfc.gc.ca</a>.

Prohibited Conduct

December 11, 2025Citi's Canadian Dollar PRIME Lending Rate is 4.35% per annum.Citi's US Dollar PRIME Lending Rate is 6.75% per annum.* Rates are subject to change without notice at any time.Bank of Canada Overnight Rate: <a href="https://www.bankofcanada.ca/core-functions/monetary-policy/key-interest-rate/" target="_blank">https://www.bankofcanada.ca/core-functions/monetary-policy/key-interest-rate/</a>&nbsp; <o:p></o:p>

Rates

If you have a complaint or problem, please use the information below to contact the business group where your concern arose.Citibank Commercial Cards Citibank Canada, Citi Cards Canada Inc. PO Box 2053, Station B Toronto, ON M5J 2M3 Telephone: 1-888-834-2484Treasury and Trade Solutions (Cash Management) Client Services Citibank N.A., Canadian branch, Citibank Canada 123 Front Street West, Suite 1800 Toronto, ON M5J 2M3 Telephone: 1-877-977-2484 or 416-947-4174 Option 4Treasury and Trade Solutions (Spring by Citi) Client Services Citibank N.A., Canadian branch, Citibank Canada 123 Front Street West, Suite 1800 Toronto, ON M5J 2M3 Phone: +1 416 947 4177 Email:&nbsp;<a href="mailto:spring.support@citi.com" target="_blank" rel="noopener" data-link-source="tiny">spring.support@citi.com</a>Private Banking Services Citi Private Bank, Citibank Canada and/or Citibank Canada Investment Funds Limited* 123 Front Street West, Suite 2000 Toronto, ON M5J 2M3 Telephone: 416-947-5300* For Quebec-based residents, please find a <a href="/rcs/citigpa/storage/public/quebec-complaints-policy-summary-en.pdf" target="_blank">summary of our complaints processing and dispute resolution</a> to assist you in filing a complaint.Banking (Corporate Banking and Commercial Banking) Citibank N.A., Canadian branch 123 Front Street West, Suite 1900 Toronto, ON M5J 2M3 Telephone: 416-947-5500Securities Services (Custody Services)**&nbsp; Citibank, N.A., Canadian branch 123 Front Street West, Suite 2000 Toronto, ON M5J 2M3 Telephone: 416-947-5325** Securities Services provides securities settlement and safekeeping on the Canadian capital market for institutional clients.Citigroup Global Markets Canada Inc.*** 123 Front Street West, Suite 1900 Toronto, ON M5J 2M3 Telephone: 416-947-5537*** For additional information regarding filing a complaint with Citigroup Global Markets Canada Inc. please see <a href="https://www.ciro.ca/office-investor/how-make-complaint" target="_blank" rel="noopener" data-link-source="tiny">Complaint and Inquiry Submission- Secure</a> published by <a href="https://www.ciro.ca/" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investment Regulatory Organization (CIRO)</a> &nbsp;The Home Depot® Consumer Credit Card**** Citi Cards Canada Inc. 5900 Hurontario Street Mississauga, ON L5R 0B8 Telephone: 1-800-747-3787, TTY: We accept 711 or other Relay Service**** Please note this business group does not fall under the jurisdiction of the Citibank Canada Senior Complaints Officer’s Office. If you have escalated your concern to all levels within the business group and are still not satisfied with the resolution, you may contact the Office of the President, Citi Cards Canada. This office is the highest level of escalation available within Citi Canada for this business group.By mail: Office of the President Citi Cards Canada Inc. 5900 Hurontario Street Mississauga, ON L5R 0B8Telephone: 866-670-7270 Fax: 866-671-5919If your concern remains unresolved after talking to one of the Telephone Representatives or Supervisors, you may elevate your concern to a Manager. If a Manager is not immediately available, the Representative can assist you in leaving a message and/or requesting further contact. &nbsp;If you have escalated your concern to all levels within the business group and are still not satisfied with the resolution, you may contact the Citibank Canada Senior Complaints Officer. &nbsp;Please note: If your concern relates to The Home Depot credit card account, please contact the Office of the President for Citi Cards Canada as outlined above.Citibank Canada Senior Complaints Officer By mail: Citibank Canada Senior Complaints Officer 123 Front Street West, Suite 1600 Toronto, ON M5J 2M3 Telephone: 1-888-245-1112; Toronto 416-947-4122 E-mail: <a href="mailto:citicanadaseniorcomplaintsofficer@citi.com" target="_blank" rel="noopener" data-link-source="tiny">citicanadaseniorcomplaintsofficer@citi.com</a>If you are not satisfied with the Citibank Canada Senior Complaints Officer's resolution of your complaint, you may contact the Ombudsman for Banking Services and Investments ("OBSI"). You have 180 calendar days from the date of the Citibank Canada Senior Complaints Officer's review to bring your complaint to OBSI.Ombudsman for Banking Services and Investments By mail: Ombudsman for Banking Services and Investments 20 Queen Street West, Suite 2400 P.O. Box 8 Toronto, Ontario M5H 3R3 Toll free telephone: 1-888-451-4519 Toll free fax: 1-888-422-2865 Toronto area telephone: 416-287-2877 Toronto area fax: 416-225-4722 E-mail: <a href="mailto:ombudsman@obsi.ca" target="_blank" rel="noopener" data-link-source="tiny">ombudsman@obsi.ca</a> Web site: <a href="https://www.obsi.ca" target="_blank" rel="noopener" data-link-source="tiny">www.obsi.ca</a>For reasons of confidentiality and security, do not send confidential information such as account information or credit card number via email.Financial Consumer Agency of Canada (FCAC)The Financial Consumer Agency of Canada supervises all federally regulated financial institutions, which includes banks, (financial institutions), for compliance with federal consumer protection laws.Financial institutions are legally required to have a complaint-handling process in place.If you have a problem with a financial product or service, you may file a complaint with the responsible financial institution directly.If you are not satisfied with how your complaint has been handled or 56 days has passed since you made your complaint, you can escalate the complaint to the following External Complaints Body: Ombudsman for Banking Services and Investments.If you want to know your rights or need information about the complaint-handling process of a financial institution, you may contact FCAC by online form, mail, or telephone. FCAC uses information from consumer enquiries to support its mandate.Web site: <a href="https://www.canada.ca/fcac" target="_blank">https://www.canada.ca/fcac</a>Online form: <a href="https://www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html">https://www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html</a>Phone:&nbsp; For service in English: 1-866-461-FCAC (3222)&nbsp; For service in French: 1-866-461-ACFC (2232)&nbsp; For calls from outside Canada: 613-960-4666&nbsp; Teletypewriter (TTY): 1-866-914-6097 / 613-947-7771Video Relay Service: FCAC welcomes Video Relay Service (VRS) calls. You do not need to authorize the relay service operator to communicate with FCAC. Visit <a href="https://srvcanadavrs.ca/en/">https://srvcanadavrs.ca/en/</a> to learn more.Mailing address:&nbsp; Financial Consumer Agency of Canada&nbsp; 427 Laurier Avenue West, 5th Floor&nbsp; Ottawa ON K1R 7Y2Complaints Received by the Citibank Canada Senior Complaints Officer&nbsp;The Citi Canada Senior Complaints Officer is the most senior Citibank Canada employee designated for the handling of escalated complaints. In 2024, the Senior Complaints Officer’s office dealt with three (3) complaints for Citibank Canada and one (1) complaint for Citibank, N.A., Canadian branch. The average length of time taken to deal with these four (4) complaints was nine (9) days. &nbsp;All four (4) complaints were resolved to the satisfaction of the complainants.All complaints related to the Treasury and Trade Solutions business. One (1) related to a funds transfer and involved a cancelled payment, while the other three (3) related to the Commercial Cards credit card product and involved: delayed application of a payment to an account, an account statement not being mailed to the correct address and a poor telephone customer service experience.&nbsp;&nbsp;

Resolving a Complaint 

Canadians are living longer, which can bring health, mobility, or cognitive changes that may impact their ability to bank.Citibank Canada has adopted the <a href="https://cba.ca/assets/canadianbankersassociation/documents/articles/about_the_banking_sector/vol-seniors-en.pdf" target="_blank">Code of Conduct for the Delivery of Banking Services to Seniors</a>.Important resources for Seniors provided by Citi include:Accessibility- please see Accessibility section above under Further Information.&nbsp; Power of Attorney and&nbsp;Joint Deposit Accounts - please refer to our <a href="/rcs/citigpa/storage/public/Canada/citi-canada-poa-joint-account.docx" target="_blank" rel="noopener" data-link-source="tiny">Power of Attorney and Joint Deposit Account Frequently Asked Questions (FAQ)&nbsp;</a>Other important resources for Seniors:<a href="https://cba.ca/article/information-for-seniors" target="_blank">Information for seniors: banking tools, scam prevention and financial abuse protection</a><a href="https://www.antifraudcentre-centreantifraude.ca/index-eng.htm" target="_blank" rel="noopener" data-link-source="tiny">Canadian Anti-Fraud Centre - Recent scams and fraud</a><a href="https://www.justice.gc.ca/eng/rp-pr/cj-jp/fv-vf/eldfr-ainfr/eldfr-ainfr.html" target="_blank" rel="noopener" data-link-source="tiny">Elder Abuse - Financial Fraud by Strangers</a><a href="https://cba.ca/article/powers-of-attorney-bank-requirements" target="_blank">Powers of Attorney Bank Requirements</a><a href="https://www.canada.ca/en/employment-social-development/corporate/seniors/forum/fraud-scams.html" target="_blank" rel="noopener" data-link-source="tiny">What every older Canadian should know about: Fraud and scams</a>Annual Report – Steps taken by Citibank Canada to support the principles set out in the Code of Conduct for the Delivery of Banking Services to Seniors:<a href="/rcs/citigpa/storage/public/Canada/senior-code-report/citi-canada-2024-senior-code-report-en.pdf" target="_blank">2024</a> <a href="/rcs/citigpa/storage/public/Canada/2023-Senior-Code-Report-English.pdf" target="_blank" rel="noopener" data-link-source="tiny">2023</a> <a href="/rcs/citigpa/storage/public/Canada/2022-AR-english.pdf" target="_blank" rel="noopener" data-link-source="tiny">2022</a> <a href="/rcs/citigpa/storage/public/Canada/2021-AR-english.pdf" target="_blank" rel="noopener" data-link-source="tiny">2021</a> <a href="/rcs/citigpa/storage/public/Canada/2020-AR-english.pdf" target="_blank" rel="noopener" data-link-source="tiny">2020</a>&nbsp;

Resources for Seniors

Spring by Citi is an end-to-end digital payments service enabling ecommerce and B2B funds globally.Click here to learn more:&nbsp;<a href="https://www.citibank.com/icg/sa/spring/" target="_blank" rel="noopener" data-link-source="tiny">https://www.citibank.com/icg/sa/spring/</a>

Spring by Citi

The banking industry has developed and is committed to several voluntary codes designed to protect consumers.<a href="https://urldefense.com/v3/__https:/cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/About_The_Banking_Sector/vol_seniors_en.pdf__;!!Jkho33Y!n2mSExEpAtpXzm6glk7X1eXPacvWEfGXbK_as2vlYow_5dhOsHvfJyXEXB1IcA0jPcE69x0bLw0zWZQnZQ$" target="_blank" rel="noopener" data-link-source="tiny">Code of Conduct for the Delivery of Banking Services to Seniors</a> A code of conduct that sets out principles that apply to banks to guide them when they deliver banking products and services to Canada’s seniors<a href="https://urldefense.com/v3/__https:/www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/credit-debit-code-conduct.html__;!!Jkho33Y!n2mSExEpAtpXzm6glk7X1eXPacvWEfGXbK_as2vlYow_5dhOsHvfJyXEXB1IcA0jPcE69x0bLw3MYUTCbQ$" target="_blank">Code of Conduct for the Payment Card Industry in Canada</a> Code of conduct that sets principles for business practices related to the issuance and acceptance of payment cards and operation of payment card networks.<a href="https://urldefense.com/v3/__https:/cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/About_The_Banking_Sector/vol_20090000_onlinepayments_en.pdf__;!!Jkho33Y!n2mSExEpAtpXzm6glk7X1eXPacvWEfGXbK_as2vlYow_5dhOsHvfJyXEXB1IcA0jPcE69x0bLw2t6XU2rQ$" target="_blank" rel="noopener" data-link-source="tiny">Online Payments</a> Consumer and industry responsibilities related to the use of online payments systems in Canada.<a href="https://urldefense.com/v3/__https:/cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/About_The_Banking_Sector/vol_20090000_consumerprotectionelectroniccommerce_en.pdf__;!!Jkho33Y!n2mSExEpAtpXzm6glk7X1eXPacvWEfGXbK_as2vlYow_5dhOsHvfJyXEXB1IcA0jPcE69x0bLw0sBh5N0g$" target="_blank" rel="noopener" data-link-source="tiny">Principles of Consumer Protection for Electronic Commerce: A Canadian Framework</a> A guide to protecting customers in online transactions, developed with input from industry, government and consumer groups.<a href="https://urldefense.com/v3/__https:/cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/About_The_Banking_Sector/vol_20120801_morps_en.pdf__;!!Jkho33Y!n2mSExEpAtpXzm6glk7X1eXPacvWEfGXbK_as2vlYow_5dhOsHvfJyXEXB1IcA0jPcE69x0bLw0nZe_uyg$" target="_blank" rel="noopener" data-link-source="tiny">Commitment on Modification or Replacement of Existing Products or Services</a> Banks provide consumers with assurances related to the modification or replacement of existing products and services.<a href="https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/About_The_Banking_Sector/vol_poa_joint_account_en.pdf" target="_blank" rel="noopener" data-link-source="tiny">Commitment on Powers of Attorney and Joint Deposit Accounts</a> Banks that accept Powers of Attorney from or open joint deposit accounts for clients agree to provide clients with certain information to help clients understand the implications of using them.<a href="/rcs/citigpa/storage/public/Canada/Citi-Canada-POA-Joint-Account.pdf" target="_blank" rel="noopener" data-link-source="tiny">Power of Attorney and Joint Deposit Account&nbsp;FAQs</a>For more details on these Voluntary Codes of Conduct and Public Commitments, please contact the Citi office that you deal with.The Financial Consumer Agency of Canada (FCAC) oversees adherence to these Voluntary Codes of Conduct and Public Commitments. You may contact the FCAC as noted below.Mailing Address: Financial Consumer Agency of Canada 427 Laurier Ave. W., 5th floor Ottawa ON, K1R 1B9 Phone: 1-866-461-3222 (English) 1-866-461-2232 (En Francais) Website: <a href="https://www.canada.ca/en/financial-consumer-agency.html" target="_blank" rel="noopener" data-link-source="tiny">https://www.canada.ca/en/financial-consumer-agency.html</a>

Voluntary Codes of Conduct and Public Commitments

<h2>Contact Us</h2>HEAD OFFICE Citibank Canada Citigroup Place 123 Front Street West, Suite 1900 Toronto, Ontario M5J 2M3Major Intersection: Citigroup place is located on the south west (SW) corner of Front and York streets, just west of Union Station.Call: 416-947-5500INSTITUTIONAL BUSINESSES: Banking, Capital Markets and Advisory: 416-947-5500 Markets and Securities Services: 416-947-5500 Citi Treasury and Trade Solutions: 416-947-5500 Citi Private Bank: 416-947-5300CITIBANK COMMERCIAL CARDS Customer Care:In North America, call toll-free 1-888-834-2484 or fax 416-369-4878, 24 hours a day, seven days a week.Outside North America, call collect 416-369-6399 or fax 416-369-4878, 24 hours a day, seven days a week.Within Toronto area, call 416-369-6399 or fax 416-369-4878, 24 hours a day, seven days a week.Mail to: CITIBANK CANADA PO BOX 2053 STN B Mississauga ON L4Y 0B6CONSUMER BUSINESS: Citi Cards Canada Inc.5900 Hurontario Street Mississauga, Ontario L5R 0B8Home Depot Consumer Card 1-800-747-3787 (English or French) TTY: We accept 711 or other Relay Service Home Depot Commercial Revolving Card 1-800-668-5336 (English or French) TTY: We accept 711 or other Relay Service Home Depot Commercial Account 1-888-308-5080 (English or French) TTY: We accept 711 or other Relay Service Retail Private Label 1-800-233-8557 TTY: We accept 711 or other Relay Service<hr><h2>Unclaimed Property</h2>Please use above contact us information to learn more about unclaimed property.

 Additional Information for Customers

Lancement de Citi Commercial Bank au Canada <img src="/rcs/citigpa/storage/public/Canada/citi-mississauga.jpg" alt="Canada.jpg" width="300" height="225"> &nbsp;
Citi Commercial Bank met 200 ans d&rsquo;exp&eacute;rience au service des entreprises de taille moyenne orient&eacute;es vers le monde en fournissant des informations et des id&eacute;es concr&egrave;tes, des solutions bancaires compl&egrave;tes et un r&eacute;seau v&eacute;ritablement mondial.
Apprenez-en plus sur <a href="https://www.citigroup.com/global/businesses/banking/commercial-bank?pk_campaign=canada&amp;pk_source=country_page" target="_blank" rel="noopener" data-link-source="tiny">la banque commerciale &agrave; Citi</a> ou&nbsp;<a href="https://www.citigroup.com/global/businesses/banking/commercial-bank/contact-us?pk_campaign=canada&amp;pk_source=country_page" target="_blank" rel="noopener" data-link-source="tiny">communiquez avec nous</a>. La Fondation Citi Sélectionne NPower Canada pour le Défi Mondial de L’innovation 2025 <figure class="image image_resized image-style-align-center" style="border-radius:10px;display:flex;overflow:hidden;width:fit-content;"><img style="aspect-ratio:1096/958;" src="/rcs/citigpa/storage/public/Canada/citi-foundation-selects-npower-canada-grant-recipient.jpeg" alt="two men shaking hands as part of Citi Foundation selecting NPower as Canada grant recipient" width="1096" height="958"></figure> NPower Canada recevra 500 000 $ US en financement catalytique et aura accès à une communauté mondiale d’apprentissage et de collaboration.<a class="lmn-btn lmn-btn-primary" style="text-decoration:none;" href="/rcs/citigpa/storage/public/Canada/press-release-citi-foundation-selects-npower-canada-2025-global-innovation-challenge-accelerate-youth-employability-fr.pdf" role="button" target="_blank">Apprenez-en plus</a>

Liens Rapides

Notre expertise locale

Citi est l’une des banques étrangères les plus importantes et les plus anciennes du pays, avec des racines au Canada remontant à 1919. Avec des bureaux à Vancouver, Calgary, Montréal, Toronto et Mississauga, l’objectif stratégique clé de Citi au Canada est de servir ses clients par l’intermédiaire de Citi Banking, Capital Markets and Advisory ; Banque commerciale Citi ; Citi Markets ; Citi Securities Services ; Citi Treasury and Trade Solutions ; Citi Private Bank et Citi Cards Canada.

Canada

Media Contact

Careers at Citi Chile

Citi has been present in Chile since 1916, when it opened as The National City Bank of New York in Valparaiso. Since its opening, the franchise has been an active participant in Chile's economic development and has funded countless private and public projects. In 2002, Citibank installed a Shared Solutions Center that provides technology services to more than 80 countries. In 2008, Banco de Chile, Chile's largest bank, linked up with Citibank Chile, allowing to serve our clients with the best of the local and global products offering.

Chile

The Asset

Asiamoney

FinanceAsia

Fortune

China Charity Festival

Social Responsibility Conference

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Markets

Services

Banking

The International Banking Corporation (IBC) opened a branch in Shanghai. The bank was known as the Hua Qi or “Flower Flag” Bank locally because the stars on the American flag that flew atop the branch looked like representations of flowers to the local community.

Citi first established presence in China in 1902 and became one of the first global banks to be incorporated locally in 2007. Today, Citi serves China’s biggest and most promising companies and institutions, including 70% of Fortune 500 companies in the market, as well as over 300 leading local enterprises and many more emerging new economy companies. 