Liquidity Management

An Interest Bearing Demand Deposit Accounts (IB DDA) offer clients an attractive return on balances and daily liquidity.

• End-of-day balance determines corresponding interest rate bracket
• Entire balance amount is multiplied by the annualized interest rate
• Interest accrues daily and capitalizes monthly

• FDIC insured up to US$250,000
• Daily liquidity
• Greater yield control from a transparent rate schedule
• Competitive rates
• Easy implementation process

• You will need to have a New York Demand Deposit Account with Citibank^® N.A., New York.
• The necessary documentation needs to be completed.

The Overnight Investment Sweep facilitates your organization's maximization of cash retained in the New York Demand Deposit Account (NY DDA) by automatically sweeping your end-of-day balances into an overnight, interest-bearing time deposit.

• End-of-day investment based on preset parameters
• Interest is calculated and posted daily
• Principal is returned to the originating account upon opening of the next business day

• Earnings at competitive rates with the ability to tier rates based on balance profile
• Customized sweep amounts
• Simplified on-line reconciliation and reporting via the CitiDirect BE® Online Banking platform

• You will need to have a New York Demand Deposit Account with Citibank N.A., New York.
• The necessary documentation needs to be completed.

Time deposits are bank obligations issued for a stated period of time at a fixed rate of interest.

Citi^®'s time deposits offer you the benefit of a fixed rate deposit that generally delivers higher yields than overnight placements. The method of interest payment is actual/360 and is made available at maturity. In the case of early termination, Citi reserves the right to charge a termination fee to cover any resulting economic losses.

• Issued by Citibank, N.A. and other branches.
• Deposited with a bank rated A-1+/P-1/F1.
• Executed online or via our NY liquidity desk.
• Balances covered by Federal Deposit Insurance Corporation (FDIC) up to US$250,000.

• $100,000 minimum.
• U.S. investors and any investor booking with Citibank, U.S. branches.
• Valid W-8 or W-9 U.S. tax forms.

Citi's Institutional Money Market Deposit Account (IMMDA) is an ideal investment for clients looking to optimize returns on stable cash balances. Money Market Deposit Accounts are interest-bearing cash deposits offering clients a competitive yield as well as daily liquidity. These no-fee accounts can be managed through CitiDirect BE Online Banking and can post interest to an alternate Citi account.

• No maximum deposit.
• Daily liquidity with no defined maturity.
• Highly competitive rate determined by Citibank comparable to many AAA Prime Money Market Funds.
• Use as collateral, part of a liquidity solution or as a stand-alone investment.
• Suitable for stable cash balances.

• Daily Liquidity.
• Citibank, N.A. Deposit.
• Highly competitive yields.
• Federal Deposit Insurance Corporation (FDIC) insured up to $250,000.
• Easy to implement.
• No maximum deposit.
• No account maintenance or administrative charges.
• Online visibility and management via CitiDirect.

Citi makes using IMMDA easy, requiring only the opening or conversion of a U.S. DDA bank account, presentment of appropriate tax forms (W8/W9) and the execution of a one-page service agreement. IMMDAs are available on a global basis to any entity allowed to maintain a U.S. account.

Earnings Credit Rate (ECR) is an effective way to reduce banking fees by earning a rebate based on the average balances retained in the New York Demand Deposit Account (NY DDA).

The ECR is applied to the average daily balance at month's end, resulting in a credit that offsets. Transaction Service fees incurred in the U.S. ECR is applied to clients that are billed through the Account Analysis billing process and are balance-based as opposed to fee-based.

Two basic ways to calculate ECR are as follows: Required Balance = Fee/ECR*365/Days in Month ECR = Fee Equivalent/Average Positive Available Balance*12*100

• Full Federal Deposit Insurance Corporation (FDIC) insurance on balances.
• Reduce Expenses.
• Earn a competitive rate of return on idle cash balances.
• Full daily liquidity.
• Visibility and control via CitiDirect.

• You will need to have a New York Demand Deposit Account with Citibank N.A., New York.
• The necessary documentation needs to be completed.