Home Equity Relationship Pricing

Terms, conditions and fees for accounts, programs, products and services are subject to change. Citibank reserves the right to suspend, change and terminate the offers and promotion. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs.

This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S.

Home Equity Lines of Credit are not offered for collateral properties located in Alaska, are available for single-family residential properties (including co-ops in New York, Illinois, District of Columbia, New Jersey and Maryland), and are available for 2-4 family homes that are primary residences (excluding Texas). In Texas, home equity lines are only available on collateral properties that are single-family, primary residences. Home equity lines are not available for mobile homes in any state. Certain limitations apply. Lines of credit are subject to credit approval.

Home Equity Lines of Credit with an interest-only draw period require the borrower(s) to have $200,000 or more in post-close traditional bank products with Citi, or $1,000,000 or more in total investable assets (these do not have to be held in a Citi account). Traditional bank products include deposit accounts (checking, savings, money market, and Certificates of Deposit). Investable assets include deposit accounts (checking, savings, money market, and Certificates of Deposit), unrestricted stock, bonds and retirement accounts, including 401K balances. Non-vested stocks and non-vested restricted stocks are not eligible. When using stocks, bonds and/or retirement accounts for eligibility requirements, the full value of the asset may not be available to use for qualifying purchases. Both traditional bank products and investable assets must be held by the individual who is personally liable on the loan. We’ll also review your credit and debt to ensure you meet our underwriting criteria.

For Home Equity Lines of Credit with an interest-only draw period: Your monthly minimum payments during the draw period can be as low as “interest-only”. If you choose to pay only the amount of interest due, then at the end of the interest-only period you will still owe the original amount you borrowed and your monthly payments will increase because you must pay back the principal as well as interest. Your payment could increase even more if your variable rate increases. Please speak to a mortgage representative for more details.

Terms, conditions and fees for accounts, programs, products and services are subject to change. Citibank reserves the right to suspend, change and terminate the offers and promotion. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs.

This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S.

1A Citibank deposit account is required to receive the Home Equity Relationship Pricing interest rate discount.

Automated monthly transfers of the home equity payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount will depend on the level of Citi Eligible Balances, which will be verified after final loan approval.

Deposit Account Balances must in the account five (5) Business Days following final loan approval and Investment Account Balances must be in the account six (6) Business Days following final loan approval. Citi eligible accounts include a personal consumer Citibank Deposit Account in which the borrower is a direct signer, Citibank IRAs, and Investments held in linked Citigroup Global Markets Inc. (“CGMI”) accounts. The borrower must be an account holder on investment accounts. IRA and annuity positions shown on linked CGMI Account Statements are eligible (except tax qualified annuities under Sections 401, 403, or 457 of the Internal Revenue Code). Balances from Citibank Business / Commercial accounts, ERISA accounts, Keogh accounts, Bank Collateral accounts, Foreign accounts, Fiduciary accounts, and Trust accounts where the borrower is only listed as the Beneficiary are excluded. All Custodial accounts are excluded with the exception of Custodial IRA accounts through Citibank or Pershing LLC where the borrower(s) is the beneficiary, which are eligible unless otherwise noted. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded.

If you are interested in Citi’s banking account relationship offers, please contact a loan representative to discuss which offer is best for you.

Citibank home equity relationship pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank home equity relationship pricing is subject to change without notice.

Glossary of terms for this offer:

• Business Day means Monday through Friday and does not include federal holidays
• Eligible Balances means total funds showing in the account at the time we verify the balances
• Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts
• Investment Account means IRAs and investments held in Citigroup Global Markets Inc. accounts.