Investment Strategy

Citibank^® Online Market Insight facilitates you in exploring market opportunities and making effective investment decisions. It provides an integrated online financial channel including video commentaries, quick access of real-time market data (market indices, stock quotes, foreign exchange rates), financial news, market analysis and award-winning research commentaries in an enhanced user interface namely "Today's Focus" with daily outlook and investment focus, "Market Overview" on insightful market analysis and media articles, "Foreign Exchange" with holistic FX commentaries and analysis, and "Investment Ideas" with comprehensive information for mutual funds, structured products and bonds.

We invite you to learn more about our Market Insight now to find out smarter ways to make investment decisions and stay ahead of the market.

1. "Citi Investment Research & Analysis" (CIRA), the award winning research team, was ranked no. 1 Best Research House in Asia by Institutional Investor in 2008 & 2009 and no. 2 in 2010, 2012 & 2013.
2. Citibank^® Online received the recognition of "Best Online Banking" in 12th Capital Outstanding Enterprise Awards. It was also awarded the outstanding achiever of "Best in Online Usability" in the BENCHMARK Wealth Management Awards 2011.
3. The price shown is for reference only and may not reflect the latest market price.
4. The brackets are the exchange rates in terms of Hong Kong dollar, with HKD $7.76 exchange rate for reference, and 1,000 yen per unit for JPY/HKD.
5. Video Commentaries are available in Cantonese only. To view the video, please install the latest Flash Player.
6. Notes for Time Deposit and Premium Account rates:
   
   • Premium Account is not equivalent to time deposit.
   • The interest rates will be updated daily from Monday to Friday (excluding Public Holidays).
   • All interest rates are annualized interest rates that are for reference only and are not guaranteed. The actual time deposit interest rates would depend on the terms and conditions of the promotion offers, deposit amount, currency, tenor and interest rate on the value date. All interest rates are subject to change due to market fluctuations without prior notice. The preferential interest rate is subject to quota availability and it will be offered in first-come-first-serve basis. Foreign currency time deposit is subject to exchange rate fluctuations, which may provide both opportunities and risks. For the details of the terms and conditions, please contact 24-Hour CitiPhone Banking at (852) 2860 0333.
   • The above Premium Account (PA) Interest Rate is for reference only. PA interest rate is formulated based on a number of factors. This information does not constitute any offer or solicitation to buy or sell. A Premium Account is a structured investment. Investment involves risks, including the possible loss of the principal amount invested. Please refer to the relevant terms and conditions and Important Disclaimer.
   • Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction.

“Citi analysts” refers to investment professionals within Citi Research (CR) and Citi Global Markets (CGM) and voting members of the Global Investment Committee of Global Wealth Management.

Citibank N.A. and its affiliates / subsidiaries provide no independent research or analysis in the substance or preparation of this document. Investment products are not available to US persons and not all products and services are provided by all affiliates or are available at all locations.

This document is for general informational purposes only and is not intended as a recommendation or an offer or solicitation for the purchase or sale of any security, currency, investment, service or to attract any funds or deposits. Save to the extent provided otherwise in the Terms and Conditions for Accounts and Services or other applicable terms and conditions, information in this document has been prepared without taking account of the objectives, financial situation or needs of any particular investor. Therefore, investment products mentioned in this document may not be suitable for all investors. Any person considering an investment should seek independent advice on the suitability or otherwise of a particular investment. Before making any investment, each investor must obtain the investment offering materials, which include a description of the risks, fees and expenses and the performance history, if any, which may be considered in connection with making an investment decision. Each investor should carefully consider the risks associated with the investment and make a determination based upon the investor’s own particular circumstances, that the investment is consistent with the investor’s investment objectives.

In any event, past performance is no guarantee of future results, and future results may not meet our expectations due to a variety of economic, market and other factors. Further, any projections of potential risk or return are illustrative and should not be taken as limitations of the maximum possible loss or gain. Investments are not deposits or other obligations of, guaranteed or insured by Citibank N.A., Citigroup Inc., or any of their affiliates or subsidiaries, or by any local government or insurance agency, and are subject to investment risk, including the possible loss of the principal amount invested. Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.

Neither Citigroup nor its affiliates can accept responsibility for the tax treatment of any investment product, whether or not the investment is purchased by a trust or company administered by an affiliate of Citigroup. Citigroup assumes that, before making any commitment to invest, the investor and (where applicable, its beneficial owners) have taken whatever tax, legal or other advice the investor/beneficial owners consider necessary and have arranged to account for any tax lawfully due on the income or gains arising from any investment product provided by Citigroup. If an investor changes country of residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable.

Although information in this document has been obtained from sources believed to be reliable, save to the extent provided otherwise in the Terms and Conditions for Accounts and Services or other applicable terms and conditions, Citigroup and its affiliates do not guarantee its accuracy or completeness and accept no liability for any direct or consequential losses arising from its use. Opinions expressed herein may differ from the opinions expressed by other businesses or affiliates of Citigroup, and are not intended to be a forecast of future events, a guarantee of future results or investment advice, and are subject to change based on market and other conditions. The information contained herein is also not intended to be an exhaustive discussion of the strategies or concepts.

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This is not an official statement of Citigroup Inc. and may not reflect all of your investments with or made through Citibank. For an accurate record of your accounts and transactions, please consult your official statement.

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This document is distributed in Hong Kong by Citibank (Hong Kong) Limited (“CHKL”). Prices and availability of financial instruments can be subject to change without notice. Certain high-volatility investments can be subject to sudden and large falls in value that could equal the amount invested.