Co-creating With
Target Clients to Suit Their Banking and Investment Needs

Fostering Financial
Education to Level-Up Digital Natives Through Mobile Banking

HONG KONG SAR -�Media OutReach�- 22 February 2021 -�Citigroup Inc.�(NYSE symbol: C) -�Citibank announced today the official launch of Citi Plus^�, a digital value proposition offering financial education and a novel
banking experience to level-up digital natives through mobile banking. Citi
Plus^� clients can obtain personalized wealth management
information and knowledge kits to accumulate their wealth and earn more through
accomplishing fun tasks.

Having its pilot launch in early December 2020, Citi Plus^�
accumulated nearly 5,000 registrants, who are interested in the new service, in
the first three weeks. "Citibank Hong Kong has shown strong determination in
the development of digital banking in recent years. Citi Plus^� is our
latest initiative to bring digital natives a banking experience they admire," said
Mr Lawrence Lam, Consumer Business Manager of Citibank Hong Kong. "Millennials were
invited to participate in research and the co-creation process, through which we
could better address target clients' pain points, and help them grow their
wealth via the new service."

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Citi Plus^� offers a range of investment products to clients
including stocks, money market funds as well as an array of mutual funds
primarily from Aberdeen Standard Investments, Allianz Global Investors and
Franklin Templeton.

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One of the key features of Citi Plus^� is a series of financial wellness modules specially designed to educate
clients and guide their thinking when it comes to making decisions about
managing money, building wealth and achieving financial goals. These engaging
modules enhance wealth inclusion, allow clients to build healthy financial habits
and achieve targets responsibly.

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• Wealth Smart: A financial literacy guide covering a series of
  easy-to-follow courses and quizzes, with bite-sized content that helps clients
  level-up and approach investments with greater confidence. Clients can learn at
  their own pace, whilst keeping themselves abreast of the times and acquiring
  financial knowledge.
• Wealth Digest^[1]: A personalized series of news, articles and insights on wealth which are
  updated continually to help clients make informed investment decisions.
• Money Goal^[2]: A personal goal tracking tool that helps clients define financial
  objectives and track their progress towards these targets.

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Alongside this step-by-step guidance providing clients with financial knowledge
and resources, Citi Plus^� also offers
innovative features that engage clients and help them level-up along their
financial journey.

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• Deposit: "Citi Interest Booster" enables clients to earn additional
  bonus interest (up to 1.8% p.a.^[3]) on
  savings by completing simple missions. Beginning with a base interest rate of
  0.3% p.a., clients can complete "missions" �-- such as maintaining
  balance, funding-in, spending with Citi Plus^� cards, investment and currency exchange -- to boost interest
  rates up to 1.8% p.a. ^[3]
• Investment^[4]: Citi Plus^� offers a reliable investment platform that allows
  clients not only to trade stocks, but also to invest in mutual funds. With progressive
  self-learning resources and low investment thresholds, clients have the flexibility
  to choose their investment options.

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"Flexi Wealth" allows clients to start investing in
money market funds with as little as HK$1, and to conduct transactions at their
convenience, without any transaction charges or monthly service fees.

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Our suggested mutual fund portfolios based on clients'
financial goals and risk profiles will also be offered, featuring mutual funds primarily
from Aberdeen Standard Investments, Allianz Global Investors and Franklin
Templeton at a minimum of HK$100, thus giving clients a hassle-free investment
experience.

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• Spending: Citi Plus^� Debit Mastercard^� and Citi Plus^� Credit Card bring clients a world of privileged shopping rewards while spending
  with these cards also boosts their saving interest rate by 0.3% p.a ^[3].

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Spending with Citi Plus^� Debit
Mastercard^� offers up to 1% cashback^[5], and
with Citibank Global Wallet, clients can exchange foreign currencies at
preferred rates^[6], and then spend with the
debit card for online/ in-store shopping and withdraw cash overseas directly
with foreign currency accounts. Citi does not charge any handling fees^[7]
for cash withdrawals made with the card at any overseas ATMs (including Citi and
Mastercard^� ATMs).

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Citi Plus^� Credit Card is
tailor-made for Citi Plus^� clients and has no
annual fee. Payments for online shopping and fitness memberships can earn up to
3X reward points, while clients can also instantly offset spending anytime with
Citi Pay with Points and get free purchase protection insurance.

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• One App to do it all: Citi Mobile^� App enables clients to
  transfer funds, invest, spend, and more at their fingertips. In-app messaging
  is also available 24/7 to offer customer support promptly.

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From now until April 30, clients can team up with their families and
friends to join Citi Plus^� to unlock an additional bonus
savings rate of up to 6% p.a. ^[8] via
'Citi Interest Booster'. For more information, please visit https://www.citibank.com.hk/english/banking/citi-plus/.

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Investment in derivatives involves risks. Investors should understand
the nature of the products before they make investment decisions.

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To borrow or not to borrow? Borrow only if you can repay.

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About Citi

Citi, the leading global Bank, has
approximately 200 million customer accounts and does business in more than 160
countries and jurisdictions. Citi provides consumers, corporations, governments
and institutions with a broad range of financial products and services,
including consumer banking and credit, corporate and investment banking,
securities brokerage, transaction services and wealth management.

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Additional information may be found at
www.citigroup.com | Twitter: @Citi | YouTube:

www.youtube.com/citi | Blog:
http://blog.citigroup.com | Facebook: www.facebook.com/citi |

LinkedIn:
www.linkedin.com/company/citi.