Filed pursuant to Rule 433
Registration No. 333-192302
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CitiFirst Offerings Brochure | March 2015
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Table of Contents
For all offerings documented herein (other than the Market-Linked Certificates of Deposit):
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Investment Products
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Not FDIC Insured |
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May Lose Value
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No Bank Guarantee |
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3
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CitiFirst Offerings Brochure | March 2015
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Introduction to CitiFirst Investments
CitiFirst is the brand name for Citis offering of investments including notes and deposits. Tailored to meet the needs of a range of
investors, CitiFirst investments are divided into three categories based on the amount of principal due at maturity:
CitiFirst Protection
Full principal amount due at maturity
Investments provide for the full principal amount to be due at maturity, subject to the credit risk of the issuer, and are for investors who place a priority on the
preservation of principal while looking for a way to potentially outperform cash or traditional fixed income investments
CitiFirst Performance
Payment due at maturity may be less than the principal amount
Investments provide for a payment due at maturity,
subject to the credit risk of the issuer, that may be less than the principal amount and in some cases may be zero, and are for investors who are seeking the potential for current income and/or growth, in addition to partial or contingent downside
protection
CitiFirst Opportunity
Payment due at maturity may be zero
Investments provide for a payment at maturity, subject to the credit risk of the
issuer, that may be zero and are for investors who are willing to take full market risk in return for either leveraged principal appreciation at a predetermined rate or access to a unique underlying strategy
The structured investments discussed herein are
not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment. The SEC registered securities described herein are not bank deposits but are
senior, unsecured debt obligations of Citi. All returns and any principal amount due at maturity are subject to the applicable issuer credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to
applicable limitations. Structured investments are not conventional debt securities. They are complex in nature and the specific terms and conditions will vary for each offering.
CitiFirst operates across all asset classes meaning that underlying assets include equities, commodities, currencies, interest rates and alternative investments. When depicting a specific product, the relevant
underlying asset will be shown as a symbol on the cube:
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For instance, if a CitiFirst Performance investment were based upon a single stock, which belongs to an equity asset class, its symbol would be shown as
follows: |
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Classification of investments into categories is not intended to guarantee particular results
or performance. Though the potential returns on structured investments are based upon the performance of the relevant underlying asset or index, investing in a structured investment is not equivalent to investing directly in the underlying asset or
index.
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4
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CitiFirst Offerings Brochure | March 2015
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Callable Step-Up Coupon Notes |
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Indicative Terms*
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Issuer: |
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Citigroup Inc. |
Stated principal amount: |
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$1,000 per note |
Pricing date: |
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March , 2015 (expected to be March 25, 2015) |
Original Issue date: |
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March , 2015 (three business days after the pricing date) |
Maturity date: |
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March , 2020 (expected to be March 30, 2020). If the maturity date is not a business day, then
the payment required to be made on the maturity date will be made on the next succeeding business day with the same force and effect as if it had been made on the maturity date. No additional interest will accrue as a result of delayed
payment. |
Principal due at maturity: |
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Full principal due at maturity |
Payment at maturity: |
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$1,000 per note plus any accrued and unpaid interest |
Interest rate per annum: |
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Unless redeemed by us on or after March , 2016
(expected to be March 30, 2016). from and including the original issue date to but excluding March , 2018 (expected to be March 30, 2018): 2.00% to 2.125%, to be determined on the pricing date
From and including March , 2018 (expected to be March 30, 2018) to but
excluding the maturity date, unless redeemed by us: 2.125% to 2.25%, to be determined on the pricing date |
Interest period: |
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The three-month period from the original issue date to but excluding the immediately following interest payment date, and
each successive three-month period from and including an interest payment date to but excluding the next interest payment date |
Interest payment dates: |
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Quarterly on the day of each March, June, September and December of each year (expected to be
the 30th day of each March, June, September and December of each year), commencing June , 2015 (expected to be June 30, 2015) and ending on the
maturity date, provided that if any such day is not a business day, the applicable interest payment will be made on the next succeeding business day. No additional interest will accrue on that succeeding business day. Interest will be payable to the
persons in whose names the notes are registered at the close of business on the business day preceding each interest payment date, which we refer to as a regular record date, except that the interest payment due at maturity or upon earlier
redemption will be paid to the persons who hold the notes on the maturity date or earlier date of redemption, as applicable. |
Day count convention: |
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30/360 Unadjusted. |
For questions, please call your Financial
Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular
investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with
the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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5
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CitiFirst Offerings Brochure | March 2015
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Redemption: |
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Beginning on March , 2016 (expected to be
March 30, 2016), we have the right to call the notes for mandatory redemption, in whole but not in part, on any redemption date and pay to you 100% of the principal amount of the notes plus accrued and unpaid interest to but excluding the date
of such redemption. If we decide to redeem the notes, we will give you notice at least five business days before the redemption date specified in the notice.
So long as the notes are represented by global securities and are held on behalf of The Depository Trust Company (DTC), redemption notices and other
notices will be given by delivery to DTC. If the notes are no longer represented by global securities and are not held on behalf of DTC, redemption notices and other notices will be published in a leading daily newspaper in New York City, which is
expected to be The Wall Street Journal. |
Redemption dates: |
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March , 2016 (expected to be March 30, 2016) and each interest payment date
thereafter |
Business day: |
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Any day that is not a Saturday or Sunday and that, in New York City, is not a day on which banking institutions are
authorized or obligated by law or executive order to close |
Business day convention: |
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Following |
CUSIP: |
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1730T05Z8 |
Listing: |
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The notes will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest
in the notes unless you are willing to hold them to maturity. |
Investor Profile
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Investor Seeks: |
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Investor Can Accept: |
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Full principal amount due at maturity |
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n |
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A holding period of approximately 5 years |
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n |
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Contingent interest payments |
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n |
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The possibility of losing part or all of the principal amount invested if not held to maturity |
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n |
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A callable medium-term interest rate investment |
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n |
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The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the
Risk Factors Relating to the Notes section of the applicable preliminary pricing supplement.
For questions, please
call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a
particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit
risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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6
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CitiFirst Offerings Brochure | March 2015
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Callable Step-Up Coupon Notes |
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Indicative Terms*
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Issuer: |
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Citigroup Inc. |
Stated principal amount: |
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$1,000 per note |
Pricing date: |
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March , 2015 (expected to be March 23, 2015) |
Original Issue date: |
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March , 2015 (three business days after the pricing date) |
Maturity date: |
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March , 2020 (expected to be March 26, 2020). If the maturity date is not a business day, then
the payment required to be made on the maturity date will be made on the next succeeding business day with the same force and effect as if it had been made on the maturity date. No additional interest will accrue as a result of delayed
payment. |
Principal due at maturity: |
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Full principal due at maturity |
Payment at maturity: |
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$1,000 per note plus any accrued and unpaid interest |
Interest rate per annum: |
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From and including the original issue date to but excluding March
, 2016 (expected to be March 26, 2016): 1.50% to 1.75%, to be determined on the pricing date
From and including March , 2016 (expected to be March 26, 2016) to but excluding March , 2017 (expected to be
March 26, 2017), unless redeemed by us: 1.75% to 2.00%, to be determined on the pricing date From and including March , 2017 (expected to be March 26, 2017) to but excluding March , 2018 (expected to be March 26, 2018), unless redeemed by us: 2.00% to
2.25%, to be determined on the pricing date From and including March
, 2018 (expected to be March 26, 2018) to but excluding March , 2019 (expected to be March 26, 2019), unless redeemed by us: 2.25% to 2.50%, to be determined on the pricing date
From and including March , 2019 (expected to be March 26, 2019) to
but excluding the maturity date, unless redeemed by us: 2.50% to 2.75%, to be determined on the pricing date |
Interest period: |
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The three-month period from the original issue date to but excluding the immediately following interest payment date, and
each successive three-month period from and including an interest payment date to but excluding the next interest payment date |
Interest payment dates: |
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Quarterly on the day of each March, June, September and December of each year (expected to be the
26th day of each March, June, September and December of each year), commencing June , 2015 (expected to be June 26, 2015) and ending on the maturity
date, provided that if any such day is not a business day, the applicable interest payment will be made on the next succeeding business day. No additional interest will accrue on that succeeding business day. Interest will be payable to the persons
in whose names the notes are registered at the close of business on the business day preceding each interest payment date, which we refer to as a regular record date, except that the interest payment due at maturity or upon earlier redemption will
be paid to the persons who hold the notes on the maturity date or earlier date of redemption, as applicable. |
Day count convention: |
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30/360 Unadjusted. |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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7
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CitiFirst Offerings Brochure | March 2015
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Redemption: |
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Beginning on March , 2016 (expected to be
March 26, 2016), we have the right to call the notes for mandatory redemption, in whole but not in part, on any redemption date and pay to you 100% of the principal amount of the notes plus accrued and unpaid interest to but excluding the date
of such redemption. If we decide to redeem the notes, we will give you notice at least five business days before the redemption date specified in the notice.
So long as the notes are represented by global securities and are held on behalf of The Depository Trust Company (DTC), redemption notices and other
notices will be given by delivery to DTC. If the notes are no longer represented by global securities and are not held on behalf of DTC, redemption notices and other notices will be published in a leading daily newspaper in New York City, which is
expected to be The Wall Street Journal. |
Redemption dates: |
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March , 2016 (expected to be March 26, 2016) and each interest payment date
thereafter |
Business day: |
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Any day that is not a Saturday or Sunday and that, in New York City, is not a day on which banking institutions are
authorized or obligated by law or executive order to close |
Business day convention: |
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Following |
CUSIP: |
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1730T05L9 |
Listing: |
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The notes will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest in the notes unless you
are willing to hold them to maturity. |
Investor Profile
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Investor Seeks: |
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Investor Can Accept: |
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Full principal amount due at maturity |
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n |
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A holding period of approximately 5 years |
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n |
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Contingent interest payments |
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n |
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The possibility of losing part or all of the principal amount invested if not held to maturity |
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n |
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A callable medium-term interest rate investment |
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n |
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The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the
Risk Factors Relating to the Notes section of the applicable preliminary pricing supplement.
For questions, please
call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a
particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit
risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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8
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CitiFirst Offerings Brochure | March 2015
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Callable Fixed Rate Notes |
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Indicative Terms*
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Issuer: |
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Citigroup Inc. |
Stated principal amount: |
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$1,000 per note |
Pricing date: |
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March , 2015 (expected to be March 24, 2015) |
Original Issue date: |
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March , 2015 (three business days after the pricing date) |
Maturity date: |
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March , 2040 (expected to be March 27, 2040). If the maturity date is not a business day, then
the payment required to be made on the maturity date will be made on the next succeeding business day with the same force and effect as if it had been made on the maturity date. No additional interest will accrue as a result of delayed
payment. |
Principal due at maturity: |
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Full principal due at maturity |
Payment at maturity: |
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$1,000 per note plus
any accrued and unpaid interest |
Interest rate per annum: |
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From and including the original issue date to but excluding the maturity date, unless redeemed by us: 4.00% to 4.25%, to
be determined on the pricing date |
Interest period: |
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The three-month period from the original issue date to but excluding the immediately following interest payment date, and
each successive three-month period from and including an interest payment date to but excluding the next interest payment date |
Interest payment dates: |
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Quarterly on the day of each March, June, September and December of each year (expected to be
the 27th day of each March, June, September and December of each year), commencing June , 2015 (expected to be June 27, 2015) and ending on the
maturity date, provided that if any such day is not a business day, the applicable interest payment will be made on the next succeeding business day. No additional interest will accrue on that succeeding business day. Interest will be payable to the
persons in whose names the notes are registered at the close of business on the business day preceding each interest payment date, which we refer to as a regular record date, except that the interest payment due at maturity or upon earlier
redemption will be paid to the persons who hold the notes on the maturity date or earlier date of redemption, as applicable. |
Day count convention: |
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30/360 Unadjusted. |
Redemption: |
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Beginning on March , 2020 (expected to be March 27, 2020), we have the right to call
the notes for mandatory redemption, in whole but not in part, on any redemption date and pay to you 100% of the principal amount of the notes plus accrued and unpaid interest to but excluding the date of such redemption. If we decide to redeem the
notes, we will give you notice at least five business days before the redemption date specified in the notice. So long as the notes are represented by global securities and are held on behalf of The Depository Trust Company (DTC), redemption notices and other notices will be given by delivery to DTC. If the
notes are no longer represented by global securities and are not held on behalf of DTC, redemption notices and other notices will be published in a leading daily newspaper in New York City, which is expected to be The Wall Street
Journal. |
Redemption dates: |
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March , 2020 (expected to be March 27, 2020) and each interest payment date
thereafter |
Business day: |
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Any day that is not a Saturday or Sunday and that, in New York City, is not a day on which banking institutions are
authorized or obligated by law or executive order to close |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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9
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CitiFirst Offerings Brochure | March 2015
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CUSIP: |
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1730T06A2 |
Listing: |
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The notes will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest in the notes unless you
are willing to hold them to maturity. |
Investor Profile
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Investor Seeks: |
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Investor Can Accept: |
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Full principal amount due at maturity |
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n |
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A holding period of approximately 25 years |
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n |
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Contingent interest payments |
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n |
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The possibility of losing part or all of the principal amount invested if not held to maturity |
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n |
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A callable long-term interest rate investment |
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n |
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The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the
Risk Factors Relating to the Notes section of the applicable preliminary pricing supplement.
For questions, please
call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a
particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit
risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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10
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CitiFirst Offerings Brochure | March 2015
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Market-Linked Notes Based on the S&P 500® Index |
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Indicative Terms*
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Issuer: |
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Citigroup Inc. |
Underlying index: |
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The S&P 500® Index (ticker symbol:
SPX) |
Stated principal amount: |
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$1,000 per note |
Pricing date: |
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March , 2015 (expected to be March 25, 2015) |
Issue date: |
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March , 2015 (three business days after the pricing date) |
Valuation date: |
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March , 2022 (expected to be March 25, 2022), subject to postponement if such date is not a
scheduled trading day or if certain market disruption events occur |
Maturity date: |
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March , 2022 (expected to be March 30, 2022) |
Payment at maturity: |
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For each note you hold at maturity, the $ 1,000 stated principal amount per
note plus the note return amount, which will be
either zero or positive |
Note return amount: |
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If the final index level is greater than the initial index level:
$1,000 x index return, subject to the maximum return at maturity
If the final index level is less than or equal to the initial index level: $0 |
Initial index level: |
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, the closing level of the
underlying index on the pricing date |
Final index level: |
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The closing level of the underlying index on the relevant valuation date |
Index return: |
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The final index level minus the initial index level, divided by the initial index level |
Maximum return at maturity: |
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$425.00 to $485.00 per note (42.50% to 48.50% of the stated principal amount), to be determined on the pricing date.
Because of the maximum return at maturity, the payment at maturity will not exceed $1,425.00 to $1,485.00 per note. |
CUSIP: |
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1730T05X3 |
Listing: |
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The notes will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest
in the notes unless you are willing to hold them to maturity. |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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11
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CitiFirst Offerings Brochure | March 2015
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Investor Profile
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Investor Seeks: |
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Investor Can Accept: |
n |
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A medium-term equity index-linked investment |
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n |
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A holding period of approximately 7 years |
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n |
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Full principal amount due at maturity |
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n |
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The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the
Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your
Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a
particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit
risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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12
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CitiFirst Offerings Brochure | March 2015
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Market-Linked Notes Based on the EURO STOXX 50® Index |
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Indicative Terms*
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Issuer: |
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Citigroup Inc. |
Underlying index: |
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The EURO STOXX 50® Index (ticker symbol:
SX5E) |
Stated principal amount: |
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$1,000 per note |
Pricing date: |
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March , 2015 (expected to be March 25, 2015) |
Issue date: |
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March , 2015 (three business days after the pricing date) |
Valuation date: |
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March , 2022 (expected to be March 25, 2022), subject to postponement if such date is not a
scheduled trading day or if certain market disruption events occur |
Maturity date: |
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March , 2022 (expected to be March 30, 2022) |
Payment at maturity: |
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For each note you hold at maturity, the $ 1,000 stated principal amount per note plus the note return amount, which will be either zero or positive |
Note return amount: |
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If the final index level is greater than the initial index level:
$1,000 x index return, subject to the maximum return at maturity
If the final index level is less than or equal to the initial index level:
$0 |
Initial index level: |
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, the closing
level of the underlying index on the pricing date |
Final index level: |
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The closing level of the underlying index on the relevant valuation date |
Index return: |
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The final index level minus the initial index level, divided by the initial index level |
Maximum return at maturity: |
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$900.00 to $ 1000.00 per note (90.00% to 100.00% of the stated principal amount), to be determined on the pricing date.
Because of the maximum return at maturity, the payment at maturity will not exceed $ 1,900.00 to $2,000.00 per note. |
CUSIP: |
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1730T05Y1 |
Listing: |
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The notes will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest
in the notes unless you are willing to hold them to maturity. |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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13
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CitiFirst Offerings Brochure | March 2015
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Investor Profile
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Investor Seeks: |
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Investor Can Accept: |
n |
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A medium-term equity index-linked investment |
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n |
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A holding period of approximately 7 years |
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n |
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Full principal amount due at maturity |
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n |
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The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the
Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your
Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a
particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit
risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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14
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CitiFirst Offerings Brochure | March 2015
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Barrier Digital Plus Securities Based on the S&P 500® Index |
|
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Indicative Terms*
|
|
|
Issuer: |
|
Citigroup Inc. |
Underlying index: |
|
The S&P 500®
Index (ticker symbol: SPX) |
Stated principal amount: |
|
$1,000 per security |
Pricing date: |
|
March , 2015 (expected to be March 26, 2015) |
Issue date: |
|
March , 2015 (three business days after the pricing
date) |
Valuation date: |
|
March , 2020 (expected to be March 26, 2020), subject to postponement if
such date is not a scheduled trading day or if certain market disruption events occur |
Maturity date: |
|
March , 2020 (expected to be March 31, 2020) |
Payment at maturity: |
|
For each $1,000 stated principal amount security you hold
at maturity:
If the final index level is greater than or equal to the initial index level:
$1,000 + the greater of (i) the fixed return amount and (ii) $ 1,000 x the index percent increase
If the final index level is less than the initial index level but greater than or equal to the barrier level:
$1,000
If the final index level is less than the barrier level: $1,000 x the index performance factor
If the final index level is less than the barrier level, your payment at
maturity will be less, and possibly significantly less, than $800.00 per security. You should not invest in the securities unless you are willing and able to bear the risk of losing a significant portion of your investment. |
Initial index level: |
|
, the closing level of the underlying index on
the pricing date |
Final index level: |
|
The closing level of the underlying index on the valuation date |
Fixed return amount: |
|
$250.00 to $300.00 per security (25.00% to 30.00% of the stated principal amount), to be determined on the pricing date. You will
receive the fixed return amount only if the final index level is greater than or equal to the initial index level. |
Index performance factor: |
|
The final index level divided by the initial index level |
Index percent increase: |
|
The final index level minus
the initial index level, divided by the initial index level |
Barrier level: |
|
, 80.00% of the initial index
level |
Listing: |
|
The securities will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not
invest in the securities unless you are willing to hold them to maturity. |
CUSIP: |
|
1730T05P0 |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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15
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CitiFirst Offerings Brochure | March 2015
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Investor Profile
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Investor Seeks: |
|
|
|
Investor Can Accept: |
¡ |
|
A medium-term equity index-linked investment |
|
|
|
¡ |
|
A holding period of approximately 5 years |
|
|
|
|
|
¡ |
|
A risk-adjusted equity complement |
|
|
|
¡ |
|
The possibility of losing a significant portion of the principal amount invested |
|
|
|
|
|
|
|
|
|
|
|
¡ |
|
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the Summary Risk
Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are
approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the
Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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16
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CitiFirst Offerings Brochure | March 2015
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Barrier Digital Plus Securities Based on the EURO STOXX 50® Index |
|
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|
Indicative Terms*
|
|
|
Issuer: |
|
Citigroup Inc. |
Underlying index: |
|
The EURO STOXX 50®
Index (ticker symbol: SX5E) |
Stated principal amount: |
|
$1,000 per security |
Pricing date: |
|
March , 2015 (expected to be March 26, 2015) |
Issue date: |
|
March , 2015 (three business days after the pricing
date) |
Valuation date: |
|
March , 2020 (expected to be March 26, 2020), subject to postponement if
such date is not a scheduled trading day or if certain market disruption events occur |
Maturity date: |
|
March , 2020 (expected to be March 31, 2020) |
Payment at maturity: |
|
For each $1,000 stated principal amount security you hold
at maturity:
If the final index level is greater than or equal to the initial index level:
$1,000 + the greater of (i) the fixed return amount and (ii) $ 1,000 x the index percent increase
If the final index level is less than the initial index level but greater than or equal to the barrier level:
$1,000
If the final index level is less than the barrier level: $1,000 x the index performance factor
If the final index level is less than the barrier level, your payment at
maturity will be less, and possibly significantly less, than $750.00 per security. You should not invest in the securities unless you are willing and able to bear the risk of losing a significant portion of your investment. |
Initial index level: |
|
, the closing level of the underlying index on
the pricing date |
Final index level: |
|
The closing level of the underlying index on the valuation date |
Fixed return amount: |
|
$350.00 to $ 400.00 per security (35.00% to 40.00% of the stated principal amount), to be determined on the pricing date. You will
receive the fixed return amount only if the final index level is greater than or equal to the initial index level. |
Index performance factor: |
|
The final index level divided by the initial index level |
Index percent increase: |
|
The final index level minus
the initial index level, divided by the initial index level |
Barrier level: |
|
, 75.00% of the initial index
level |
Listing: |
|
The securities will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not
invest in the securities unless you are willing to hold them to maturity. |
CUSIP: |
|
1730T06E4 |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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17
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|
CitiFirst Offerings Brochure | March 2015
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Investor Profile
|
|
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|
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|
|
|
Investor Seeks: |
|
|
|
Investor Can Accept: |
¡ |
|
A medium-term equity index-linked investment |
|
|
|
¡ |
|
A holding period of approximately 5 years |
|
|
|
|
|
¡ |
|
A risk-adjusted equity complement |
|
|
|
¡ |
|
The possibility of losing a significant portion of the principal amount invested |
|
|
|
|
|
|
|
|
|
|
|
¡ |
|
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the Summary Risk
Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All
maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of
the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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18
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|
CitiFirst Offerings Brochure | March 2015
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|
Autocallable Contingent Coupon Equity Linked Securities Based on the Russell 2000® Index |
|
|
|
|
Indicative Terms*
|
|
|
Issuer: |
|
Citigroup Inc. |
Underlying index: |
|
Russell 2000® Index
(Ticker symbol: RTY) |
Stated principal amount: |
|
$1,000 per security |
Pricing date: |
|
March , 2015 (expected to be March 16, 2015) |
Issue date: |
|
March , 2015 (three business days after the pricing
date) |
Valuation dates: |
|
The day of each March and September (expected to be the 16th day of each March and September), beginning on September , 2015 (expected to be September 16, 2015) and ending on March , 2020
(the final valuation date, which is expected to be March 16, 2020), each subject to postponement if such date is not a scheduled trading day or if certain market disruption events occur |
Maturity date: |
|
Unless earlier redeemed, March , 2020 (expected to be March 19,
2020) |
Contingent coupon payment dates: |
|
For any valuation date, the fifth business day after such valuation date, except that the
contingent coupon payment date for the final valuation date will be the maturity date |
Contingent coupon: |
|
On each semi-annual contingent coupon payment date, unless previously redeemed, the securities
will pay a contingent coupon equal to approximately 2.500% to 2.625% (equal to 5.00% to 5.25% per annum) (to be determined on the pricing date) of the stated principal amount of the securities if and only if the closing level of the underlying index
on the related valuation date is greater than or equal to the coupon barrier level. If the closing level of the underlying index on any semi-annual valuation date is less than the coupon barrier
level, you will not receive any contingent coupon payment on the related contingent coupon payment date. |
Automatic early redemption: |
|
If, on any valuation date beginning March , 2017 (expected to be March 16,
2017) and prior to the final valuation date, the closing level of the underlying index is greater than or equal to the initial index level, each security you then hold will be automatically redeemed on the related contingent coupon payment date for
an amount in cash equal to $ 1,000 plus the related contingent coupon payment. |
Payment at maturity: |
|
If the securities are not automatically redeemed prior to
maturity, you will be entitled to receive, for each $1,000 stated principal amount security you hold at maturity:
If the final index level is greater than or equal
to the final barrier level: $1,000
plus the contingent coupon payment due at maturity
If the final index level is less than the final barrier level: $1,000 multiplied by
the index performance factor If the final index level is less than the final barrier level, you will receive less, and possibly significantly less, than 70% of the stated principal amount of your securities at maturity, and you will not
receive any contingent coupon payment at maturity. |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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19
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|
CitiFirst Offerings Brochure | March 2015
|
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|
|
|
Initial index level: |
|
, the closing level of the
underlying index on the pricing date |
Final index level: |
|
The closing level of the underlying index on the final valuation date |
Coupon barrier level: |
|
, 70% of the initial index
level |
Final barrier level: |
|
, 70% of the initial index
level |
Index performance factor: |
|
The final index level divided by the initial index level |
Listing: |
|
The securities will not be listed on any securities exchange and, accordingly, may have limited or
no liquidity. You should not invest in the securities unless you are willing to hold them to maturity. |
CUSIP: |
|
1730T05N5 |
Investor Profile
|
|
|
|
|
|
|
|
|
Investor Seeks: |
|
|
|
Investor Can Accept: |
¡ |
|
A medium-term equity index-linked investment |
|
|
|
¡ |
|
A holding period of approximately 5 years |
|
|
|
|
|
¡ |
|
Contingent coupon payments |
|
|
|
¡ |
|
The possibility of losing a significant portion of the principal amount invested |
|
|
|
|
|
|
|
|
|
|
|
¡ |
|
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the
Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All
maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of
the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
|
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20
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|
CitiFirst Offerings Brochure | March 2015
|
|
|
|
|
|
|
|
Annual Reset Coupon Securities Based on the Russell 2000® Index |
|
|
|
|
Indicative Terms*
|
|
|
Issuer: |
|
Citigroup Inc. |
Underlying index: |
|
The Russell 2000®
Index (ticker symbol: RTY) |
Stated principal amount: |
|
$1,000 per security |
Pricing date: |
|
March , 2015 (expected to be March 27, 2015) |
Issue date: |
|
March , 2015 (two business days after the pricing
date) |
Valuation dates: |
|
The day of each March (expected to be the 23rd day of each March), beginning in March 2016 and ending on March , 2021 (the final valuation date, which is expected to be March 24, 2021),
each subject to postponement if such date is not a scheduled trading day or if certain market disruption events occur |
Annual observation period: |
|
The period commencing on and including the pricing date and ending on and including the first
valuation date, and each subsequent period from and including a valuation date to and including the next succeeding valuation date. We refer to the pricing date together with the valuation dates as the observation
dates. |
Maturity date: |
|
March , 2021 (expected to be March 31, 2021) |
Coupon payment dates: |
|
Annually on the fifth business day following each valuation date, except that the coupon payment
date for the final valuation date will be the maturity date |
Coupon: |
|
On each annual coupon payment date, the securities will
pay a coupon at an annual rate determined as follows: If the applicable annual index return percentage is zero or positive: 5.00% to
5.30% (to be determined on the pricing date) If the applicable annual index return percentage is negative: 3.00%
If the annual index return percentage for any coupon payment date is
negative (meaning that the closing level of the underlying index is lower at the end of the most recent annual observation period than it was at the beginning of that annual observation period), you will only receive the lower of the two possible
annual interest rates specified above. |
Annual index return percentage: |
|
For any annual coupon payment date, the annual index return percentage is the percentage change
from the closing level of the underlying index on the observation date occurring at the beginning of the most recently ended annual observation period to the closing level of the underlying index on the observation date occurring at the end of that
annual observation period, calculated as follows: (i) final annual index level minus initial annual index level, divided by (ii) initial annual index level |
Initial annual index level: |
|
For purposes of calculating the annual index return percentage, the closing level of the
underlying index on the observation date occurring at the beginning of the relevant annual observation period |
Final annual index level: |
|
For purposes of calculating the annual index return percentage, the closing level of the
underlying index on the observation date occurring at the end of the relevant annual observation period |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative
only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC
insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
|
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|
21
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|
CitiFirst Offerings Brochure | March 2015
|
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|
|
|
Payment at maturity: |
|
At maturity, for each security you then hold, you will
receive the applicable annual coupon payment plus: If the final index level is greater than or equal to the buffer level:
$1,000
If the final index level is less than the buffer level: ($1,000 x the index performance factor) + $150.00
If the final index level is less than the buffer level, your payment at
maturity will be less, and possibly significantly less, than the $1,000 stated principal amount per security. You should not invest in the securities unless you are willing and able to bear the risk of losing a significant portion of your
investment. |
Initial index level: |
|
, the closing level of the
underlying index on the pricing date |
Final index level: |
|
The closing level of the underlying index on the valuation date |
Index performance factor: |
|
The final index level divided by the initial index level |
Buffer level: |
|
, 85.00% of the initial
index level |
Listing: |
|
The securities will not be listed on any securities exchange and, accordingly, may have limited or
no liquidity. You should not invest in the securities unless you are willing to hold them to maturity. |
CUSIP: |
|
1730T05U9 |
Investor Profile
|
|
|
|
|
|
|
|
|
Investor Seeks: |
|
|
|
Investor Can Accept: |
¡ |
|
A medium-term equity index-linked investment |
|
|
|
¡ |
|
A holding period of approximately 6 years |
|
|
|
|
|
¡ |
|
Contingent coupon |
|
|
|
¡ |
|
The possibility of losing a significant portion of the principal amount invested |
|
|
|
|
|
|
|
|
|
|
|
¡ |
|
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk
prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the
Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All
maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of
the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
|
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|
|
|
22
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|
CitiFirst Offerings Brochure | March 2015
|
|
|
General Overview of Investments
|
|
|
|
|
CitiFirst Protection Investments |
|
|
|
|
|
|
|
Investments |
|
Maturity |
|
Risk Profile* |
|
Return* |
Contingent Absolute Return MLDs/Notes |
|
1-2 Years |
|
Full principal amount due at maturity |
|
If the underlying never crosses either an upside or downside threshold, the return on the investment equals the absolute value of the return of the
underlying. Otherwise, the return equals zero |
Contingent Upside Participation MLDs/Notes |
|
1-3 Years |
|
Full principal amount due at maturity |
|
If the underlying crosses an upside threshold, the return on the investment equals an interest payment paid at maturity. Otherwise, the return
equals the greater of the return of the underlying and zero |
Minimum Coupon Notes |
|
3-5 Years |
|
Full principal amount due at maturity |
|
If the underlying ever crosses an upside threshold during a coupon period, the return for the coupon period equals the minimum coupon. Otherwise, the return for a coupon period equals the
greater of the return of the underlying during the coupon period and the minimum coupon |
|
|
|
|
|
CitiFirst Performance Investments |
|
|
|
|
|
|
|
Investments |
|
Maturity |
|
Risk Profile* |
|
Return* |
ELKS® |
|
6-13 Months |
|
Payment at maturity may be less than the principal amount |
|
A fixed coupon is paid regardless of the performance of the underlying. If the underlying never crosses a downside threshold, the return on the
investment equals the coupons paid. Otherwise, the return equals the sum of the coupons paid and the return of the underlying at maturity |
Buffer Notes |
|
1-3 Years |
|
Payment at maturity may be less than the principal amount |
|
If the return of the underlying is positive at maturity, the return on the investment equals the lesser of (a) the return of the underlying
multiplied by a participation rate and (b) the maximum return on the notes. If the return of the underlying is either zero or negative by an amount lesser than the buffer amount, the investor receives the stated principal amount. Otherwise, the
return on the investment equals the return of the underlying plus the buffer amount |
PACERSSM |
|
3-5 Years |
|
Payment at maturity may be less than the principal amount |
|
If the underlying is equal to or greater than a threshold (such as its initial value) on any call date, the note is called and the return on the
investment equals a fixed premium. If the note has not been called, at maturity, if the underlying has crossed a downside threshold, the return on the investment equals the return of the underlying, which will be negative. Otherwise, the return
equals zero |
LASERSSM |
|
3-4 Years |
|
Payment at maturity may be less than the principal amount |
|
If the return of the underlying is positive at maturity, the return on the investment equals the return of the underlying multiplied by a participation rate (some versions are subject to a
maximum return on the notes). If the return of the underlying is negative and the underlying has crossed a downside threshold, the return on the investment equals the return of the underlying, which will be negative. Otherwise, the return equals
zero |
|
|
|
|
|
CitiFirst Opportunity Investments |
|
|
|
|
|
|
|
Investments |
|
Maturity |
|
Risk Profile* |
|
Return* |
Upturn Notes |
|
1-2 Years |
|
Payment at maturity may be zero |
|
If the underlying is above its initial level at maturity, the return on the investment equals the lesser of the return of the underlying multiplied
by a participation rate and the maximum return on the notes. Otherwise, the return equals the return of the underlying |
Fixed Upside Return Notes |
|
1-2 Years |
|
Payment at maturity may be zero |
|
If the underlying is equal to or above its initial level at maturity, the return on the investment equals a predetermined fixed amount. Otherwise,
the return equals the return of the underlying |
Strategic Market Access Notes |
|
3-4 Years |
|
Payment at maturity may be zero |
|
The return on the investment equals the return of a unique index created by Citi |
*All returns and any principal amount due at maturity are
subject to the applicable issuers credit risk, with the exception of Market-Linked Certificates of Deposit which has FDIC insurance, subject to applicable limitations. This is not a complete
list of CitiFirst structures. The descriptions above are not intended to completely describe how an investment works or to detail all of the terms, risks and benefits of a particular investment. The return profiles can change. Please refer to the
offering documents and related material(s) of a particular investment for a comprehensive description of the structure, terms, risks and benefits related to that investment.
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23
|
|
CitiFirst Offerings Brochure | March 2015
|
|
|
Important Information for the Monthly Offerings
Investment Information
The investments set forth in the previous
pages are intended for general indication only of the CitiFirst Investments offerings. The issuer reserves the right to terminate any offering prior to its pricing date or to close ticketing early on any offering.
SEC Registered (Public) Offerings
Each issuer has separately filed a
registration statement (including a prospectus) with the Securities and Exchange Commission (the SEC) for the SEC registered offerings by that issuer to which this communication relates. Before you invest in any of the registered
offerings identified in this Offerings Brochure, you should read the prospectus in the applicable registration statement and the other documents the issuer have filed with the SEC for more complete information about that issuer and offerings. You
may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov.
For Registered Offerings Issued by: Citigroup Inc.
Issuers
Registration Statement Number: 333-192302
Issuers CIK on the SEC Website: 0000831001
Alternatively, you can
request a prospectus and any other documents related to the offerings, either in hard copy or electronic form, by calling toll-free 1-877-858-5407 or by calling your Financial Advisor.
The SEC registered securities described herein are not bank deposits but are senior, unsecured debt obligations of the issuer. The SEC registered
securities are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency or instrumentality.
Market-Linked Certificates of Deposit
The Market-Linked Deposits
(MLDs) are not SEC registered offerings and are not required to be so registered. For indicative terms and conditions on any MLD, please contact your Financial Advisor or call the toll-free number 1-800-831-9146.
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24
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|
CitiFirst Offerings Brochure | March 2015
|
|
|
Overview of Key Benefits
and Risks of CitiFirst Investments
Benefits
¡
|
Investors can access investments linked to a variety of underlying assets or indices, such as domestic and foreign indices, exchange-traded funds, commodities, foreign-exchange,
interest rates, equities, or a combination thereof. |
¡
|
Structured investments can offer unique risk/ return proflles to match investment objectives, such as the amount of principal due at maturity, periodic income, and enhanced
returns. |
Risks
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The risks below are not intended to be an exhaustive list of the risks associated with a particular CitiFirst Structured Investment offering. Before you invest in any CitiFirst
Structured Investment, you should thoroughly review the particular investments offering document(s) and related material(s) for a comprehensive description of the risks and considerations associated with the particular investment.
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The terms of certain investments provide that the full principal amount is due at maturity, subject to the issuer credit risk. However, if an investor sells or redeems such
investment prior to maturity, the investor may receive an amount less than his/her original investment. |
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The terms of certain investments provide that the payment due at maturity could be significantly less than the full principal amount and, for certain investments, could be zero.
In these cases, an investor may receive an amount significantly less than his/ her original investment and may receive nothing at maturity of the investment. |
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Appreciation May Be Limited Depending on the investment, an investors appreciation may be limited by a maximum amount payable or by the extent to which the return
reflects the performance of the underlying asset or index. |
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Issuer Credit Risk All payments on CitiFirst Structured Investments are dependent on the applicable issuers ability to pay all amounts due on these investments,
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any principal due at maturity, and therefore investors are subject to the credit risk of the applicable issuer. |
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Secondary Market There may be little or no secondary market for a particular investment. If the applicable offering document(s) so specifies, the issuer may apply to list
an investment on a securities exchange, but it is not possible to predict whether any investment will meet the listing requirements of that particular exchange, or if listed, whether any secondary market will exist. |
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Resale Value of a CitiFirst Structured Investment May be Lower than Your Initial Investment Due to, among other things, the changes in the price of and dividend yield on
the underlying asset, interest rates, the earnings performance of the issuer of the underlying asset, and the applicable issuer of the CitiFirst Structured Investments perceived creditworthiness, the investment may trade, if at all, at prices
below its initial issue price and an investor could receive substantially less than the amount of his/her original investment upon any resale of the investment. |
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Volatility of the Underlying Asset or Index Depending on the investment, the amount you receive at maturity could depend on the price or value of the underlying asset or
index during the term of the trade as well as where the price or value of the underlying asset or index is at maturity; thus, the volatility of the underlying asset or index, which is the term used to describe the size and frequency of market
fluctuations in the price or value of the underlying asset or index, may result in an investor receiving an amount less than he/she would otherwise receive. |
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Potential for Lower Comparable Yield The effective yield on any investment may be less than that which would be payable on a conventional fixed-rate debt security of the
same issuer with comparable maturity. |
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Affiliate Research Reports and Commentary Affiliates of the particular issuer may publish research reports or otherwise express opinions or provide recommendations from
time to time regarding the underlying asset or index which may influence the price or value of the underlying asset or index and, therefore, the value of the investment. Further, any research, opinion or recommendation expressed within such research
reports may not be consistent with purchasing, holding or selling the investment.
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The United States Federal Income Tax Consequences of Structured Investments are Uncertain No statutory, judicial or administrative authority directly addresses the
characterization of structured investments for U.S. federal income tax purposes. The tax treatment of a structured investment may be very different than that of its underlying asset. As a result, significant aspects of the U.S. federal income tax
consequences and treatment of an investment are not certain. The offering document(s) for each structured investment contains tax conclusions and discussions about the expected U.S. federal income tax consequences and treatment of the related
structured investment. However, no ruling is being requested from the Internal Revenue Service with respect to any structured investment and no assurance can be given that the Internal Revenue Service will agree with the tax conclusions and
treatment expressed within the offering document(s) of a particular structured investment. Citigroup Inc., its affiliates, and employees do not provide tax or legal advice. Investors should consult with their own professional advisor(s) on such
matters before investing in any structured investment. |
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Fees and Conflicts The issuer of a structured investment and its affiliates may play a variety of roles in connection with the investment, including acting as calculation
agent and hedging the issuers obligations under the investment. In performing these duties, the economic interests of the affiliates of the issuer may be adverse to the interests of the investor.
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CitiFirst Offerings Brochure | March 2015
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Additional Considerations
Please note that the information contained in this brochure is current as of the date indicated and
is not intended to be a complete description of the terms, risks and benefits associated with any particular structured investment. Therefore, all of the information set forth herein is qualified in its entirety by the more detailed information
provided in the offering documents(s) and related material for the respective structured investment.
The structured investments
discussed within this brochure are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment.
Tax Disclosure
Citigroup Inc., its affiliates and employees do not provide tax or legal advice. To the extent that this brochure or any offering document(s)
concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayers particular circumstances from an
independent tax advisor.
ERISA and IRA Purchase Considerations
Employee benefit plans subject to ERISA, entities the assets of which are deemed to constitute the assets of such plans, governmental or other plans
subject to laws substantially similar to ERISA and retirement accounts (including Keogh, SEP and SIMPLE plans, individual retirement accounts and individual retirement annuities) are permitted to purchase structured investments as long as either
(A) (1) no Citi affiliate or employee is a fiduciary to such plan or retirement account that has or exercises any discretionary authority or control with respect to the assets of such plan or retirement account used to purchase the
structured investments or renders investment advice with respect to those assets, and (2) such plan or retirement account is paying no more than adequate consideration for the structured investments, or (B) its acquisition and holding of
the structured investment is not prohibited by any such provisions or laws or is exempt from any such prohibition.
However, individual
retirement accounts, individual retirement annuities and Keogh plans, as well as employee benefit plans that permit participants to direct the investment of their accounts, will not be permitted to purchase or hold the structured investments if the
account, plan or annuity is for the benefit of an employee of Citi or a family member and the employee receives
any compensation (such as, for example, an addition to bonus) based on the purchase of structured
investments by the account, plan or annuity. You should refer to the section ERISA Matters in the applicable offering document(s) for more information.
Distribution Limitations and Considerations
This document may not be distributed in any jurisdiction where it is unlawful to do so. The investments described in this document may not be
marketed, or sold or be available for offer or sale in any jurisdiction outside of the U.S., unless permitted under applicable law and in accordance with the offering documents and related materials. In particular:
WARNING TO INVESTORS IN HONG KONG ONLY: The contents of this document have not been reviewed by any regulatory authority in Hong Kong. Investors are
advised to exercise caution in relation to the offer. If Investors are in any doubt about any of the contents of this document, they should obtain independent professional advice.
This offer is not being made in Hong Kong, by means of any document, other than (1) to persons whose ordinary business it is to buy or sell
shares or debentures (whether as principal or agent); (2) to professional investors within the meaning of the Securities and Futures Ordinance (Cap. 571) of Hong Kong (the SFO) and any rules made under the SFO; or
(3) in other circumstances which do not result in the document being a prospectus as defined in the Companies Ordinance (Cap. 32) of Hong Kong (the CO) or which do not constitute an offer to the public within the meaning
of the CO.
There is no advertisement, invitation or document relating to structured investments, which is directed at, or the contents
of which are likely to be accessed or read by, the public in Hong Kong (except if permitted to do so under the laws of Hong Kong) other than with respect to structured investments which are or are intended to be disposed of only to persons outside
Hong Kong or only to the persons or in the circumstances described in the preceding paragraph.
WARNING TO INVESTORS IN SINGAPORE ONLY:
This document has not been registered as a prospectus with the Monetary Authority of Singapore under the Securities and Futures Act, Chapter 289 of the Singapore Statutes (the Securities and Futures Act). Accordingly, neither this document nor any
other document or material in connection with the offer or sale, or invitation for subscription or purchase, of the structured investments may be circulated or
distributed, nor may the structured investments be offered or sold, or be made the subject of an
invitation for subscription or purchase, whether directly or indirectly, to the public or any member of the public in Singapore other than in circumstances where the registration of a prospectus is not required and thus only (1) to an
institutional investor or other person falling within section 274 of the Securities and Futures Act, (2) to a relevant person (as defined in section 275 of the Securities and Futures Act) or to any person pursuant to section 275(1A) of the
Securities and Futures Act and in accordance with the conditions specified in section 275 of that Act, or (3) pursuant to, and in accordance with the conditions of, any other applicable provision of the Securities and Futures Act. No person
receiving a copy of this document may treat the same as constituting any invitation to him/her, unless in the relevant territory such an invitation could be lawfully made to him/her without compliance with any registration or other legal
requirements or where such registration or other legal requirements have been complied with. Each of the following relevant persons specified in Section 275 of the Securities and Futures Act who has subscribed for or purchased structured
investments, namely a person who is:
(a) a corporation (which is not an accredited investor) the sole business of which is to hold
investments and the entire share capital of which is owned by one or more individuals, each of whom is an accredited investor, or
(b) a
trust (other than a trust the trustee of which is an accredited investor) whose sole purpose is to hold investments and of which each beneficiary is an individual who is an accredited investor, should note that securities of that corporation or the
beneficiaries rights and interest in that trust may not be transferred for 6 months after that corporation or that trust has acquired the structured investments under Section 275 of the Securities and Futures Act pursuant to an offer made
in reliance on an exemption under Section 275 of the Securities and Futures Act unless:
(i) the transfer is made only to
institutional investors, or relevant persons as defined in Section 275(2) of that Act, or arises from an offer referred to in Section 275(1A) of that Act (in the case of a corporation) or in accordance with Section 276(4)(i)(B) of
that Act (in the case of a trust);
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no consideration is or will be given for the transfer; or |
(iii) |
the transfer is by operation of law.
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CitiFirst Offerings Brochure | March 2015
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Notes
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CitiFirst Offerings Brochure | March 2015
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Notes
To discuss CitiFirst structured investment ideas and strategies, Financial Advisors, Private Bankers and
other distribution partners may call our sales team. Private Investors should call their financial advisor or private banker.
Client
service number for Financial Advisors and Distribution Partners in the Americas:
+1 (212) 723-3136
For more information, please go to www.citifirst.com
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EURO STOXX 50® is a service mark of STOXX
Limited and/or its licensors that has been sublicensed for use for certain purposes by Citigroup Inc. and its affiliates. For more information, see Equity Index Descriptions EURO STOXX 50® Index License Agreement with STOXX Limited in the accompanying underlying supplement.
©2015 Citigroup Inc. Citi and Citi with Arc
Design are registered service marks of Citigroup Inc. or its affiliates.
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