Managing Risk and Supporting Growth in the E-commerce Era

Treasury and Trade Solutions 14 Citi’s Treasury and Trade Solutions (TTS) business delivers an unrivalled global network and industry leading solutions across wholesale payments, working capital and cash management services that facilitate global and real-time commerce for our clients. As our clients pivot to digital commerce, Citi is well positioned to deliver advisory, insights and solutions that help manage financial risks and support e-commerce growth. Our teams are actively engaging with our clients’ treasury teams to support their journey as they seek to collaborate more effectively with e-commerce business partners. Key components of Citi’s value proposition for e-commerce models are highlighted below. Transaction banking infrastructure Citi’s transaction banking platform gives companies the ability to execute their e-commerce strategy, leveraging Citi’s network in over 90 markets. Our clients can expand their bank accounts and cash management structures with Citi globally to support the collections, payments and liquidity needs of their e-commerce businesses. Digital consumer payments: Spring by Citi To enable continued success for our clients in the digital age, Citi is extending its leadership in the treasury and B2B payment space by developing capabilities to enable e-commerce merchants to collect from consumers in a Citi’s value proposition to support e-commerce models consistent way that is seamlessly integrated with Citi’s transaction banking proposition. The solution will provide a broad range of consumer payment options, together with local currency presentment capabilities, information reporting and auto-reconciliation capabilities, to help merchants build seamless experiences that increase sales conversion while mitigating risk. FX risk management Citi’s holistic FX management services can support companies’ e-commerce needs, including: • The ability to accept payments in any currency while managing FX risk. • Enabling better sales conversion by showing prices in a customer’s preferred currency. • The ability to transact in complex/restricted markets. Global pay-out solution Citi has extensive experience supporting our clients across their cross-border, domestic and instant payment needs, to streamline payments to partners within their e-commerce supply chain, ultimately driving partner retention and growth. Purchase and Pay in preferred currency Settlements and Reconciliation Automated FX risk management Pay-outs Pay-outs Pay-outs Logistics partners Advertising partners AD Cards Alternative Payment Methods Buyers Citi accounts Sellers/ Partners/ Suppliers