This issue of Privy marks the launch of our new Citigold experience. As we continuously aim to enhance your Citigold experience, we have housed our offerings into three strategic pillars – Advisory, Insights, and Privileges; you will be able to enjoy familiar benefits as well as new privileges.

At the heart of it all is our commitment to you – our valued clients. Coinciding with Mid-Autumn Festival, this is truly the best time to celebrate valued relationships with partners and loved ones, especially with the delectable mooncake deals we have curated for you.

We are proud to present the new Total Wealth Advisor – a tailored goals- based advisory tool centred on your goals, whether they relate to wealth growth, education or retirement.

In this issue of Privy, explore the full suite of digital tools and banking and lifestyle privileges that we have designed to make your wealth journey enriching. We hope you will enjoy your referral gift when you share your rewarding Citigold experience with your loved ones.

We thank you for the continuous support of Citigold.

A Celebration Of Relationships

Highlight

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Citigold

Contact your Relationship Manager for a personalised wealthplanning consultation using the Total Wealth Advisor tool.

At Citi, we are committed to continuously enhance your Citigold experience and bring it to a new level. We aim to meet your personal goals through comprehensive wealth management solutions, financial tools, and advisory and insights.

Moving away from the conventional investing methodology of defining performance against a benchmark, the Total Wealth Advisor (TWA) is a tailored financial planning platform centred on your varying wealth goals across the different stages of your life. The Total Wealth Advisor is designed to focus on the things that really matter to you, and shifts the conversation from short-term performance to high value-added long-term goals. Using clearly defined parameters such as target date, target amount, risk level, initial contributions and ongoing contributions, we aim to protect you from knee-jerk reactions to the volatilemarket fluctuations. With our proprietary suite of risk management tools – Portfolio Risk Evaluator (PRE), Gold Standard Portfolio Review (GSPR),

and Citigold Portfolio Diversification Index (CDI), and a dedicated Relationship Manager and team of specialists, you will receive our best possible financial advisory to achieve your goals. Citigold has also invested in digital tools that will help you stay ahead of the market. Receive timely research and insights through online videos, investment seminars, and market outlook presentations. Our online Portfolio tracker and Goals tracking tools give you access to your investments whenever you want, wherever you are. You will continue to enjoy the familiar lifestyle and banking privileges as part of the Enhanced Citigold experience. We will handpick family-themed privileges as well as aspirational goals-centred privileges. With Citigold, you are assured of the best-in-class service, expertise and solutions, global offerings, and lifestyle privileges. We thank you for your continuous support and look forward to more great moments on this journey.

The CitigoldDi�erence

The New Citigold Experience– Tailored For You

Disclaimer: A Citigold relationship starts with minimum Assets Under Management of S$250,000. The term "Portfolio(s)" referred to in this website are merely references to illustrations of asset allocations in general and are not personalized to your specific investment needs. Your individual investment holding(s) will not be actively monitored by Citibank Singapore Limited and Citibank Singapore Limited does not undertake to, and is not obliged to, undertake a review, manage or monitor your investment holding(s) or to track your investment holding(s).

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Visit www.citibank.com.sg/cginsights

to watch Citigold's monthly insights video.

Driven by Insights

Road works, one-way streets, and traffic congestions – navigating through an unknown city can be chaotic if done without planning. Navigating volatile markets is just as difficult if one does not have timely knowledge of the economy. Imagine if there is a solution that helps you pick out the best possible route to success. Citigold’s Wealth Management Insights monthly video series covers Citi’s view of the global economy and market outlook as well as investment ideas. Let your investment decisions be driven by invaluable insights and stay at the forefront of the latest market movements.

The CitigoldDi�erence 3

Visit www.citibank.com.sg/cginsights

to watch Citigold's monthly insights video.

Sharing is the hallmark of a friendship – from videos of cherished moments to the latest stock pick. With smarter technology, we can now instantly share the things that put a smile on our faces.

So when your Citigold Relationship Manager, and team of wealth specialists, delivers delightful experiences and exclusive perks, share it with your friends and family and be rewarded too.

Speak to your Relationship Manager today or visit www.citibank.com.sg/cgcontact to make a referral

Recommend you friend Your gift Your friend’s gift To refer

To start a Citigoldrelationship with S$250,000

To start a Citigold Private Clientrelationship with S$1,000,000

S$300 cash*

S$1,000 cash*

Up to S$4,100 cash

Up to S$13,100 cash

Visitwww.citibank.com.sg/cgcontact

for more information

The CitigoldDi�erence

*For full terms and conditions, visit www.citibank.com.sg/cgpromo

Shareable Moments

Visitwww.citibank.com.sg/cgcontact

for more information

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Your financial journey changes with the different stages of life. Citigold is committed to providing you with wealth management strategies that meet your ongoing financial needs. Whether you plan to grow your wealth or protect your assets, be rewarded when you bring in new funds and build your wealth with Citigold. Be doubly rewarded when you place the new funds into investments or insurance.

Disclaimer:

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 inaggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and otherinvestment products are not insured. For more information, please visit www.sdic.org.sg

Speak to your Relationship Manager today to find out more on the New Funds Top Up Promotion.

RewardingChange

Cash Reward:

Option A: Option B:Tiers of New Funds Top Up

(SGD equivalent)

S$50,000 - S$99,999 S$50 S$100

S$100,000 - S$199,999 S$100 S$200

S$200,000 - S$299,999 S$200 S$400

S$300,000 - S$499,999 S$360 S$720

S$500,000 - S$999,999 S$750 S$1,500

Upgrade to Citigold Private Client:

S$1,000,000 - S$1,999,999 S$1,500 S$3,000

Upgrade to Citigold Private Client:

S$2,000,000 and above S$3,000 S$6,000

1 of either Option A or Option B,whichever is higher

Total eligible New Fundsbrought in

Eligible New Funds bought inInvestment / insurance

The CitigoldDi�erence 5

TIPS

Many people spend all of their income without being able to save enough. With minimal interest rates and the ever-increasing cost of living due to factors such as inflation, salary increases simply cannot keep pace, making it difficult to rely solelyon savings.

To fight inflation and grow your wealth steadily, you may wish to consider plans with these features:

• Guaranteed cash value as well as non-guaranteed maturity benefits• Option to provide some form of cash coupon payments and annual dividends• Choice of premium payment terms

With the right investment plans, you can achieve your life goals, be it starting your own business, travelling around the world or whatever aspirations you desire.

Speak to your Relationship Manager today tohelp you achieve your goals.

The CitigoldDi�erenceThe CitigoldDi�erence

Achieve Your Goals

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Exclusively for Citigold and Citigold Private Clients:During your birthday month, you get to enjoy:

• Priority seating (up to 6pax)• Complimentary welcome drink for each guest of the dining party• One complimentary dessert for Birthday Guest

Terms and conditions

• Privilege is valid for dine-in only during your birthday month this year. Reservation is mandatory and subjected to availability.• Privilege is not valid on eve and day of Christmas, New Year, Chinese New Year, Valentine's Day, and all public holidays.

For ambience reasons, and perhaps secrecy, the kitchen is seldom revealed to the diners. The Kitchen at Bacchanalia, however, is a newly-minted one Michelin-starred restaurant that offers the ultimate immersive dining experience with the diner in the middle of the action.

Diners get to watch Chef Ivan Brehm and his team carry out their tasks, from prepping to cooking to plating, as they serve up a new European style of food that is borne from classical European culinary techniques and traditions, remixed with unique flavour combinations inspired by his multi-cultural environment.Chef Ivan Brehm masterfully creates global yet familiar

flavours from the finest ingredients and products sustainably sourced within the region – from Cameron Highlands to Australia.

His philosophy is focused on the core ingredients and the menu changes with the season and the availability of the freshest ingredients, ensuring that diners return to savour new offerings.

Complete your birthday celebrations at Bacchanalia with complimentary welcome drinks, dessert and priority seating for your intimate party.

ExclusivePrivileges

Immersive Dining Experience

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• Stay four consecutive nights and pay for three nights when booking the Best Available Rate at participating Shangri-La Hotels and Resorts when you are a Golden Circle member and pay with Citi Prestige Card.• If you are not a Golden Circle member yet, sign up and earn 500 bonus Golden Circle points.• Booking Period: now till 30 Sept 2016• Redemption Period: now till 30 Dec 2016

Shangri-La

Citigold offers an extensive suite of global banking privileges and there’s no better complement than a Citi Prestige card which offers you an abundance of travel perks to satisfy the wanderlust in you.

Indulge in retail therapy in Hong Kong, or leave the city hustle behind with a trip to Club Med Bali. Looking to go further? Enjoy additional savings on British Airways flights – where your European adventure begins at take-off.

Exclusively for Citigold clients, you enjoy an additional relationship bonus with Citi Prestige card that allows you to earn up to 30% more rewards. Sign up today and receive an electronic tablet or 62,500 Citi Dollars (which can be converted to 25,000 miles) as a welcome gift.

• 10% additional discount on Club Med Properties – Finolhu\ Villas, Kani, Bintan, Bali• Booking Period: 25 Aug – 30 Sept 2016• Travel Period: 25 Aug – 31 Mar 2017

Club Med

Enhance YourGlobal Privileges

Hotel Offers:

ExclusivePrivileges 8

Speak to your Relationship Manager to applyfor your Citi Prestige card.

Discount Rates

• British Airways• Savings on Economy, Premium Economy, Business and First Class• Booking period: Now till 31 July 2017• Travel Period: Now till 31 July 2018

Airline Offers:

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Citigold & Citigold Private Client Mid-Year Outlook 2016At this year’s Mid-Year Outlook seminars, our Citigold and Citigold Private Client customers heard from Citi and guest speakers who reflected on the performance of financial markets in the first half of the year and shared insights on finding opportunities and value amid market volatility and what lies in store for European equity markets post BREXIT.

They had also shared insights on opportunities amid market volatility and how investors can effectively utilise a multi-asset approach to manage risk while earning potentially sustainable income post BREXIT.

As global growth has remained low and the Brexit has added another element of uncertainty to the volatile markets, Citi’s experts and partners, from Schroder Investment Management Ltd and Invesco Asset Management, shared strategies to achieve different investment objectives in such climates.

By observing political implications and understanding possible central bank moves, the presentations advocate a

Speak to your Relationship Manager today to plan a smoother journey that keeps your investment on course.

diversified portfolio with a focus on quality in both bonds and equities, and finding attractive alternatives in emerging markets.

Our guests were also introduced to Citigold’s latest goals-based advisory tool – the Total Wealth Advisor, and new Citigold privileges from Eithad Airways.

Held at the Four Seasons Hotel, the Mid-Year Outlook seminars were graced by distinguished clients and guests, who thoroughly enjoyed the evening of insightful sharing and gourmet dinner.

Featured Speakers

Citigold Mid-Year Outlook Seminar

• Ms. Florence Tan, Head of Advisory, Strategy & Multi-Channel Communications, Regional Wealth Management, Asia Pacific Citibank N.A.• Mr. Aymeric Forest, Multi-Asset Fund Manager, Schroder Investment Management (Singapore) Ltd• Mr. Jaideep Tiwari, FX Strategist, Citi Asia Pacific/EMEA

Citigold Private Client Mid-Year Outlook Seminar

• Mr. Paul Hodes, Asia Pacific Head of Consumer Bank Wealth Management for Citibank, N.A.• Ms. Stephanie Butcher, Portfolio Manager, Invesco Asset Management Singapore Ltd• Mr. Jaideep Tiwari, FX Strategist, Citi Asia Pacific/EMEA

BespokeEventsBespokeEvents 10

Citigold Private Client Future Leaders’ ForumGrooming leaders of tomorrow begins today. The next generation of our Citigold Private Clients were given the exclusive opportunity to participate in our annual Future Leaders’ Forum on 23 and 24 June 2016.

The two-day forum offered an invaluable experience to meet and interact with key stakeholders in Citi and to gain insights into the banking industry, covering topics such as Wealth Management, Fixed Income Trading, Investment Banking, Branding and Home Financing.

The participants also learnt about the value of networking and how to harness their thinking styles. During the conference, their networking skills were put to practice during a networking lunch with Citi‘s Relationship Managers and Management Associates.

Also in the conference line-up was a tour of Google‘s Asia Pacific office and the PRAXIS Team Challenge, a simulated financial literacy game covering various topics such as Insurance Planning, Investment Tools (Stocks, Bonds, Commodities & FX) and Investment Strategies (Dollar Cost Averaging & Diversification). The two-day event concluded with an awards presentation to recognise individuals and teams who demonstrated the best creativity and strategies.

BespokeEvents 12

Speak to your Relationship Manager today to find out more about our exclusive events.

Citigold & Citigold Private Client Welcome Event with Schroder

At Citigold and Citigold Private Client, we are honoured to partner our clients on their wealth journey. Together Schroder Investment Management Ltd, we held a welcome event to celebrate the beginning of a fruitful journey for our new clients.

Mr. Zal Devitre, Head of Investments, delivered the opening address, thanking our clients for the opportunity to partner them in their wealth journey and introduced Citi’s latest tool – Total Wealth Advisor, a goals-based advisory platform that enables clients and their Relationship Managers to track the progress of one’s portfolio according to their individual goals.

The event’s featured speakers – Mr. Darren Ong, Mr. Alex Wong, Mr. Dave Tang, and Ms. Cindy Png from Citi, and Ms. Winnie Tan from Schroder, then presented the Citigold & Citigold Private Client privileges and offerings, shared their invaluable experiences, and discussed potential opportunities for investors looking to derive income from Asia amid the current environment.

Held at Mitzo Restaurant & Bar, Grand Park Orchard Singapore, our clients and guests were treated to an evening of bespoke cocktails in signature gold, a sumptuous 5-course dinner, and engaging conversations and insightful sharing.

Speak to your Relationship Manager today to find out more about our exclusive events.

BespokeEvents 13

The Citi ULTIMA card is a by-invitation-only card reserved exclusively for the select few. To register your interest in the membership*, please contact your

Relationship Manager.

BespokeEvents

The mere mention of Italy conjures up images of scenic countryside, lush vineyards, a land filled with rich history and culture, and splendid fashion.

Together with our valued partners – Brunello Cucinelli and Quotient TravelPlanner, Citi ULTIMA cardmembers, Citigold Private Clients, and distinguished guests were transported to a mini-Italy, right at the Paragon Citigold Centre.

While enjoying an intimate, countryside-inspired dinner, guests enjoyed an exclusive presentation of Brunello Cucinellis’ iconic Fall/Winter 2016 looks by brand ambassadors, Mr. Edoardo Simone and Mr. Edoardo Simonetti.

Ms. Lim Hui-Juan, co-founder of Quotient TravelPlanner, a bespoke travel agency, then took our guests through a unique travel itinerary across the town of Umbria, famously known as “The Green Heart of Italy”, where one could visit historical and cultural sites and indulge in gastronomic experiences.

The evening concluded with our guests exploring the fashionable designs of Brunello Cucinelli at its Paragon boutique, complete with an exclusive closed-door shopping experience and complimentary S$300 gift vouchers.

*Terms and conditions apply.

Citi ULTIMA & Citigold Private Client Presents“A Journey Through Italy”

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Citibank full disclaimers, terms and conditions apply to individual products and banking services. For more details, please visit www.citibank.com.sg. ©2016 Citibank Singapore Limited. All rights reserved. Citi, Citibank, Citigold and Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. Citibank Singapore Limited Co. Reg. No. 200309485K.

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