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For Immediate Release Citigroup Inc. (NYSE: C)

Japan: SMBC Group and Citi to Start a New Global Support Program for Retail Customers

November 27, 2019

Tokyo – Sumitomo Mitsui Financial Group, Inc. (President and CEO: Jun Ota, hereinafter referred to as "SMBC Group"), SMBC Trust Bank, Ltd. (President: Kozo Ogino, hereinafter referred to as "SMBC Trust Bank") and Sumitomo Mitsui Banking Corporation (CEO, Makoto Takashima, "SMBC") have entered into an agreement with Citibank, N.A. (CEO Mary McNiff, "Citibank"), a wholly owned subsidiary of Citigroup Inc. (CEO, Michael Corbat, "Citi"). This agreement expands services to SMBC Trust Bank customers with a Global Support program for customers relocating and travelling overseas in markets where Citi has a retail banking presence.

1. The services made available through Global Support program

(1)Referrals for relocating customers

For customers relocating from Japan to the United States, the banks have agreed to help customers find U.S. Citibank® branch locations for service in Japanese. For relocating PRESTIA Gold customers, SMBC Trust Bank can help arrange an appointment with a Citigold® Relationship Manager in the U.S. Citibank can help its U.S. Citigold customers moving to Japan with similar assistance. Citigold is a comprehensive wealth management, banking and investments offering of Citi for qualifying clients.

(2) No Citi ATM surcharge fee

When SMBC Trust Bank customers withdraw cash with "GLOBAL PASS® (a multi-currency Visa debit-combined cash card)" they can use participating Citi ATMs in 17 countries and jurisdictions (*) without a surcharge fee.

* United States, Mexico, United Kingdom, Russia, Poland, South Korea, Taiwan, Hong Kong SAR, Indonesia, Philippines, Singapore, Thailand, Vietnam, Malaysia, India, UAE, Bahrain

(3) Citigold Lounge access

PRESTIA Gold customers have access to Citigold lounges in seven cities (New York, Miami, San Francisco, London, Singapore, Hong Kong and Shanghai).

2. Date of launch of services

Launch of services will be Monday, December 2, 2019.

In addition to the launch of the Global Support program, Citi, SMBC and SMBC Trust Bank are exploring ways to work together to benefit global retail wealth management customers.

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

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