Benefits of a Citi Investment ISA?

• 0% initial charge on your Investment for a limited time. Offer ends 30th April 2010
• It's a great tax-efficient way of growing your savings
• Potential for greater returns than traditional savings accounts
• We've made it simple by selecting four great Multi-Manager Funds
• It's a great way to start investing or to diversify an existing investment portfolio
• Easy to apply
• Online access to ISA valuations for Citi current and savings account holders
• Transfer your existing ISA to the Citi Investment ISA

ISAs explained
Risks before applying

Important Information
Please note, the Initial Charge will revert back to 2% after 30th April 2010. An Annual Management Charge of 1.25%, 1.35% or 1.50% (depending on the fund) will apply to these funds. Due to the structure of Multi-Manager Funds they may carry higher costs than single funds. Investments are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates. They are subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results; investments can go down as well as up. This means you might get back less than you invested. Stock market investments should be viewed as a medium-term to long-term investment (at least five years). Favourable tax treatment of ISAs may not be maintained in the future if law and HM Revenue and Customs practice change. The value of the tax treatment described depends on individual circumstances. If you are in any doubt about the suitability of this investment, we recommend that you speak with one of our qualified Investment Consultants. Call us on 0800 008800*. A charge may apply for investment advice.