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Important Information for You to Know About Our Business and Relationship With You

Thank you for agreeing to receive important disclosure documents from us by e-mail, as provided in the Consent and Acknowledgment below. If you are a current client, this e-mail is sent to you to review important disclosure documents at this time. Please review two important new disclosure documents about our business and relationship with you:

Form Client Relationship Summary (“Form CRS”)
For a brief summary of the brokerage and advisory services we offer and other important information about our business and our relationship with you, click on the button below to review our Form CRS online:

Click Here to Review Form CRS

Regulation Best Interest Disclosure Statement and Related Information for Retirement Accounts
We must act in your best interest when we make recommendations as your broker-dealer under Regulation Best Interest. For a detailed description of the brokerage services we offer and other important information about our business and our relationship with you, click on the button below to review our Regulation Best Interest Disclosure online:

Click Here to Review Our Regulation Best Interest Disclosure Statement and Related Information for Retirement Accounts

Questions?

Please contact Citi Personal Wealth Management to learn more about Form CRS and Regulation Best Interest Disclosure Statement and Related Information for Retirement Accounts.

Consent and Acknowledgement

By providing Citigroup Global Markets Inc. (“CGMI”) with your email address, you consent to electronic delivery to that email address of CGMI's Client Relationship Summary (“Form CRS”); and any and all disclosure documents regarding CGMI's obligation to act in your best interest when making recommendations (“Regulation Best Interest Disclosure Statement and Related Information for Retirement Accounts” and together with Form CRS, “Regulatory Disclosure Documents”). You agree that, as a result of consenting to electronic delivery of Regulatory Disclosure Documents, you will only receive electronic copies of Regulatory Disclosure Documents and will not receive paper copies of Regulatory Disclosure Documents unless and until you revoke your consent to electronic delivery, which you may do at any time by contacting CGMI. In addition, you may, without revoking your consent to electronic delivery, receive a paper copy of any Regulatory Disclosure Document in addition to and not in lieu of an electronic copy, by requesting such paper copy. CGMI may terminate your consent and begin sending you paper copies of Regulatory Disclosure Documents (in lieu of electronic copies), at any time, by notifying you in writing. Furthermore, and notwithstanding anything to the contrary contained in this consent and acknowledgement, CGMI may, but is not required to, send you paper copies of any Regulatory Disclosure Documents CGMI is entitled to deliver to you electronically without waiving CGMI's right to deliver electronic copies of Regulatory Disclosure Documents, and your receipt of such paper copies will not be deemed to revoke your consent to electronic delivery.

Unless and until superseded by any future agreement you enter into with CGMI your consent to electronic delivery extends to delivery of Regulatory Disclosure Documents now and in the future, whether such delivery is (now or in the future) required by law, rule, or regulation, or is not required by law, rule, or regulation but is intended to provide you with additional or updated information. Regulatory Disclosure Documents may be delivered in Portable Document Format (PDF), HTML or similar format to the e-mail address you provided or on http://www.citi.com/investorinfo/ or on another internet website designated by CGMI from time to time, provided that CGMI will notify you when you should visit the website to view or print the Regulatory Disclosure Documents and any relevant amendments.

You acknowledge on behalf of yourself and your account(s) within your household that Form CRS and the Regulation Best Interest Disclosure Statement and Related Information for Retirement Accounts are currently available in PDF format for you to view or print on http://www.citi.com/investorinfo/ and that this email constitutes notification to you to visit this website immediately and, in any case, prior to discussing any potential financial decisions with a CGMI financial advisor. You are encouraged to review these materials carefully, as they provide important information related to a potential relationship with CGMI.

By providing your email address to CGMI, you represent that you have access to a computer or other device with adequate hardware and software capability to access the Regulatory Disclosure Documents contained in an e-mail or on the website linked above and you acknowledge that you may incur additional expenses in connection with accessing and reviewing the documents electronically (e.g., internet or mobile data charges, online time, printing) and possible risks (e.g., slow downloading time and system outages). To view or print documents provided in PDF format, you will have to download and install Adobe Reader if not already installed on your computer. Adobe Reader is available free of charge at Adobe's website (www.adobe.com). CGMI and its respective affiliates are not responsible for any computer viruses, problems or malfunctions resulting from your use of an online system. You agree that: (i) by providing Regulatory Disclosure Documents in an e-mail or on a website as provided above CGMI will have made good and valid delivery of such Regulatory Disclosure Documents to you, regardless of whether you actually access, view or otherwise retrieve them in the e-mail or on the website; (ii) prior to the time at which you become a client of CGMI, any recommendation CGMI makes to you will be based solely on the limited information you have provided to CGMI as of the time of such recommendation; (iii) any recommendations CGMI makes to you after you become a client of CGMI may be materially different and could conflict with the recommendations CGMI makes to you prior to such time; and (iv) if you choose to become a client of CGMI, you will be required to complete additional documentation and enter into a client agreement pursuant to which you will grant your consent to electronic delivery of Regulatory Disclosure Documents during the term of your client relationship.

INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Important Information: Neither Citigroup nor any of its affiliates provide tax or legal advice.

Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.