Your guide to everyday banking.

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Citigold is the wealth management and premium

banking service created for clients with over

$100,000 invested through Citibank.

Our clients enjoy the highest levels of personalised

service, access to our insights and expertise, global

support and recognition, and a range of rewards

and privileges.

Citigold at a glance:

• Receive advice from our team of experts, to help you

achieve your financial goals

• Tailor your investments with regular insights from industry

leaders, and our team of Wealth Specialists

• Access preferential pricing on our suite of banking

and investment products

• Enjoy the advantages of partnering with a global bank with

operations in more than 160 countries.

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An introduction | 3

An introduction

Simplify your everyday banking with our broad range

of smart banking products.

Whether you’re looking for a convenient cash management solution, to lock in your cash at a competitive rate of interest or rewarding credit card offers available exclusively to Citigold clients, we invite you to explore the options on offer.

Cash management accounts

• Cash Investment Account • Ultimate Business Saver

Interest earning accounts

• Term Deposits • Citibank Online Saver

Rewarding credit cards

• Citibank Rewards Credit Card – Platinum • Citibank Rewards Credit Card – Signature • Citi Prestige Credit Card

Foreign currency solutions

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Cash management accounts

Cash Investment Account

Manage your cash requirements and your investment portfolio with ease Park your cash between investments and earn a competitive rate on your balance. Best of all, your funds are available whenever you need them, and there’s no monthly account keeping fees to pay.

How it works

As an individual, you can use your Cash Investment Account for everyday transaction needs such as salary payments, paying utilities or your home loan. You may also use it as a facility to park your cash and earn competitive interest while waiting on your next investment opportunity, such as opening a term deposit. You may choose to open two Cash Investment Accounts – one for your individual everyday transactions, and the other to manage your SMSF, family trust or business investments.

Cash Investment Account

Link to your

investments + Everyday banking

ATM/BPay

Cash withdrawals Pay bills via BPay

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Key benefits:

• Earn competitive interest on your account balance, while you’re waiting for your next investment opportunity

• Enjoy no monthly account fees – consider consolidating your accounts to save on multiple monthly account fees

• Easily track your investments and everyday transactions with one simple statement

• Access your funds, whenever you need them, via online and phone banking, or at 3,000 Citibank and partner ATMs around Australia, and at 20,000 Citibank ATMs overseas.

Ultimate Business Saver

Enjoy flexible access to your funds whilst earning interest on your balance Earn a competitive stepped rate of interest for your business, trust or Self Managed Super Fund, on balances over $10,000.

Key benefits:

• Earn competitive interest that increases as your account balance grows • Access your funds via phone and online banking, as well as 3,000 Citibank and

partner ATMs around Australia, and 20,000 Citibank ATMs overseas • Enjoy no monthly account keeping fees.

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Interest earning accounts | 7

Interest earning accounts

Whether you are saving for your next holiday, a new car, or a

deposit for a home loan, you can earn competitive interest on a

Citibank term deposit, or with a Citibank Online Saver account.

Citibank Term Deposits

Lock in your funds for a fixed term Key benefits:

• Enjoy a competitive rate of interest • Relax with guaranteed returns

• Suit your goals, with flexible terms from eight days to five years available • Your choice of local or foreign currency term deposits

• No establishment or account keeping fees.

Citibank Online Saver

A flexible, at-call savings account Key benefits:

• Interest is calculated daily and paid monthly on every dollar

• Top up your balance with transfers from any Australian bank account • Access your funds when you need them, via instant transfers to your

Nominated Linked Account

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Rewarding credit cards | 9

Rewarding credit cards

Experience market leading rewards, premium servicing, travel

programs and worldwide benefits with a Citibank credit card.

Our clients also enjoy exclusive offers on selected cards.

Citibank Rewards Credit Card - Platinum

Unique lifestyle experiences and exclusive travel and entertainment deals Key benefits:

• Annual fee waiver for Citigold clients (save $199)1

• 1.25 Citibank reward points for every $1 spent on purchases in Australia2

• 3 Citibank reward points for every $1 spent overseas2

• Complimentary international travel insurance.3

Citibank Rewards Credit Card - Signature

Extensive worldwide benefits and premium service Key benefits:

• Annual fee waiver for Citigold clients (save $395)1

• 1.5 Citibank reward points for every $1 spent on purchases in Australia2

• 4 Citibank reward points for every $1 spent overseas2

• Complimentary Priority Pass ™ Membership and two airport lounge visits per year4

• Complimentary international travel insurance.3

Citi Prestige Credit Card

Experience the unforgettable Key benefits:

• Earn an annual relationship bonus of 30,000 reward points whilst you retain your Citigold status5

• Discounted annual fee ($350, usually $700)1

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10 | Foreign currency solutions

Foreign currency solutions

With our local knowledge and global network, we can

support the foreign currency requirements of our clients

living and working across the globe.

Our foreign currency specialists are on hand to keep you up to date with currency markets, global research, trends and forecasting.

Choose an account to suit your business or personal needs:

Multi Currency Account

Simplify your overseas transactions Key benefits:

• You can hold up to 11 different currencies including USD, Euro and GBP • Flexibility – choose to convert when necessary, or when the exchange

rate is favourable.

Dual Currency Account

Select a pair of currencies and potentially enhance your return Key benefits:

• Suitable if you require different currencies or hold a view on how currencies will perform in the future

• Access competitive interest rates and earn potentially higher returns than conventional investments.

Foreign Exchange Contracts

Lock in an exchange rate for a future date Key benefits:

• Fixing an exchange rate on a future delivery date can help minimise the impact of adverse movements in foreign exchange rates

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Foreign Currency services | 11

Important information

1. Your annual fee for the Citibank Platinum credit card (usually $199) and the Citibank Signature credit card (usually $395) is reduced to $0, and your annual fee for the Citibank Prestige credit card (ususally $700) is reduced to $350, while you maintain your Citigold status. As a Citigold client, you are entitled to a fee reduction for only one credit card account, which could be either a Citibank Platinum credit card, Citibank Signature credit card, or a Citibank Prestige credit card. Any other credit card accounts you apply and get approved for will not be eligible for these Citigold fee reduction offers. Not to be combined with any other offer. Credit criteria apply.

2. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs.

3. Complimentary Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance.

4. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a special feature of the Signature card. Signature cardholders must enrol for the Priority Pass Standard Membership at prioritypass.com/citibankaus. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Signature cardholder. Please note that Priority Pass is not currently available at any Australian airport other than Melbourne International Airport. Membership is subject to the Conditions of Use available at prioritypass.com 5. Relationship bonus points are awarded to new Citibank Prestige cardholders with a Citigold Australia relationship who

opened their account after 1 November 2014. Citibank will award the bonus points within 12 weeks of the annual fee for that year being debited to the account, commencing on the first anniversary after account opening. The Citibank Prestige account needs to be in good order for bonus points to be awarded. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program.