Various products offered to customer

As a Citigold Customer, you can expect superior value and high

standard of products. All our products are designed to suit your
needs , give you and your finances the attention you deserve. Be
it banking, credit, investments, insurance or retirement plans, we
manage everything for you in one place, in the most convenient
way. There products are as follows

Structured Notes

Fixed Income Securities (Bonds)

Mutual Funds

Islamic Investment options

Citibank Financial Planning Services

Structured Notes

Structured notes are financial instruments, specially designed to take

advantage of market opportunities. These products are usually
structured along defined themes and are normally denominated in US
Dollar, Euro and British Pound.

Fixed
Income
(Bonds)

Securities

Fixed Income Securities are ideal for investors who want a regular
income through coupon payment, as well as for investors looking for
an opportunity for capital appreciation through the sale of securities
before maturity if the price moves up. You can choose from a vast
selection of Fixed Income Securities with a variety of credit quality
characteristics, maturities and yields to meet your individual
objectives.

Mutual Funds

As a Citibank customer, you can choose from a variety of Mutual

Funds and alternate investment options. These funds are selected
to suit a variety of investment objectives and risk profiles. You
can select funds across diverse asset classes, including US
Equities, Emerging Market Equities, Global Equities, Global
Bonds, High Yield Bonds, Money Market Funds, Shariah
Compliant Islamic Equities, Real Estate Equities, Middle East
Equities and many more. You have a wide range of mutual funds
from some of the most reputed investment houses such as
Alliance Bernstein, Blackrock, DWS, Fidelity, Franklin
Templeton, INVESCO, ING, JP Morgan, MFS, Permal, Pioneer
and Schroders.

Islamic Investment options

If you are seeking Shariah compliant investments, they have a
comprehensive range of products to meet your needs:

Shariah compliant Mutual funds

Capital Protected Shariah compliant structure notes

Ability to make available Sukuks as per your requirements

Citibank Financial Planning

Services

Children's Education Plans

Retirement Plans

Wealth Accumulation Plans

Protection Plan

Many different types of funds

are available to meet your needs
Equity Funds

Equity Funds invest in the stocks of various types of companies.

Traditionally, stocks have kept pace with the economy and
represent your best protection against inflation. Some equity
funds, such as growth, aggressive growth and value funds are
based on a specific investment strategy. Others, such as small cap,
mid cap, large cap and blue chip, choose securities determined by
the size or financial status of the selected companies.

Bond Funds

Bond Funds seek to deliver steady income from a portfolio of

bonds. Short-term bond funds are considered safer, but tend to
pay lower yields than riskier long-term bond funds.
Intermediate bond funds offer higher returns than short-term
bond funds with less risk than longer-term bond funds.

Hybrid Funds

Hybrid Funds combine different types of securities in one fund to

meet varying objectives. For instance, a growth and income fund
might invest in both stocks and bonds.

Asset Allocation Funds

Asset Allocation Funds combine securities from different asset

classes in varying proportions to help manage different levels of
risk and return. An example of this type is CitiSelect Portfolios, a
family of mutual funds available exclusively through Citibank.
Each portfolio invests in a different mix of stocks, bonds and cash
in seeking different investment objectives.

International and Global Funds

These funds invest in securities issued in other countries.

International funds invest only in foreign securities, while global
funds invest in both foreign and U.S. securities. Many other
mutual funds of all types may invest a certain percentage of their
portfolio in international investments.

Money Market Funds

They invest in very short-term securities and commercial paper,

which have less price fluctuation. Different types of money
market funds invest in taxable, tax exempt and U.S. Government
securities. While money market mutual fund managers strive to
maintain a stable net-asset value, the funds are not federally
insured and there is no guarantee that a stable net-asset value will
be maintained.