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Terms:

This offer is not available at Citibank Financial Centers.

†To qualify for Free Citibank® EZ Checking, you must apply online for both a new regular checking and e–Savings Account in the EZ Checking package by 12/31/2007. Your relationship package will then be free of monthly maintenance fees and per-check fees. Charges for other account-related services may apply. All accounts are subject to approval. Offer only available for first-time Citibank checking/deposit account customers, and is valid only once for any individual.

*Annual Percentage Yield (APY) is current for the e–Savings Account as of 04/03/2007 and is subject to change. Rates may change after the account is opened and fees could reduce earnings. You must apply for an e–Savings account online at citibank.com. If at any time your e–Savings Account is not statement linked to a checking account in a qualifying relationship package listed below, your e–Savings Account will earn interest at the rate paid on the Citibank Day-to-Day savings account.

†† Qualifying relationship packages are Citibank® EZ Checking, Citibank Account, Citibank Everything Counts® and CitiGold®. To open a Citibank e–Savings Account you must have or open a checking account in a qualifying relationship package. Your Citibank e–Savings Account must also appear on the same statement as your checking account. Regular Checking Accounts do not earn interest. Fees may apply to the checking account.

Deposits subject to Citibank’s standard funds availability delays.

** $100 offer is only available for first-time Citibank deposit (checking or savings product) account customers, and will be paid only once to any individual. Persons who currently have or at any time have had a deposit account at Citibank (or any of its predecessor banks) are not eligible. To receive this offer you must: 1.) make a single application for both a new regular checking and e-Savings Account in the EZ Checking package and open both accounts by 4/30/07 and fund the account with a minimum initial deposit of $5,000. $100 will be credited to your regular checking account within 90 days from the end of the statement period in which you met all of the above requirements.

Accounts must be in good standing at the time of the $100 credit. All accounts are subject to approval. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. taxpayer identification number. The amount of any bonus payment will be reported to the IRS as interest earned in the year credited. Persons under 18 years of age are not eligible. Offer may be modified or withdrawn at any time without notice and is not transferable.