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NOTICE.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEB SITE AND ANY WEB PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS WEB SITE, OR ANY PAGES THEREOF.

OWNERSHIP

This website is the property of Citibank Singapore Limited ("Citibank"), a subsidiary of Citigroup Inc ("Citigroup").

COPYRIGHT © CITIGROUP 2008. ALL RIGHTS RESERVED.

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Citibank unless otherwise indicated.

TRADEMARKS

CITI, CITI and Arc Design, CITIBANK and CITIGROUP are trademarks and service marks of Citigroup and are used and registered throughout the world. The Blue Wave design is trade dress of Citigroup and is used throughout the world. Citibank, Citigroup and their affiliates also claim rights in certain other trademarks and service marks contained in these web pages.

USE OF INFORMATION AND MATERIALS

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Citibank's web sites and systems including but not limited to unauthorized entry into Citibank's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Citibank and/or its affiliates. Investments are not bank deposits nor insured by any entity unless otherwise stated, and are subject to investment risks, including possible loss of principal amount invested.

LINKS

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF CITIGROUP). CITIBANK, CITIGROUP AND ITS AFFILIATES HEREBY DISCLAIM LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, CITIBANK, CITIGROUP AND ITS AFFILIATES DO NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THOSE WEB SITES, NOR SHALL CITIBANK, CITIGROUP OR ITS AFFILIATES BE LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF CITIGROUP AND THE THIRD PARTY WEB SITE MAY PROVIDE LESS SECURITY THAN THE CITIBANK SITE.

NO WARRANTY.

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". CITIBANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY.

IN NO EVENT WILL CITIBANK, CITIGROUP OR ITS AFFILIATES BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF CITIGROUP, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

SUBMISSIONS.

All information submitted to Citibank via this site shall be deemed and remain the property of Citibank and Citibank shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Citibank, through this site. Citibank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by Citibank or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Citibank's responsibilities and obligations to customers in accordance with the Citigroup Privacy Program for Consumers.

AVAILABILITY

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY CITIGROUP TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

ADDITIONAL TERMS

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

GOVERNING LAW

These terms and conditions are governed by and construed in accordance with the laws of the Republic of Singapore. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of the Republic of Singapore.