Important notice

Investment instruments are not bank deposits and are insured neither by any governmental institution nor by the Deposit Insurance Fund. They do not represent liabilities of and are not in any way guaranteed or insured by Citibank Europe plc, Citigroup Inc, or by any affiliated company directly or indirectly controlled by Citigroup Inc, unless expressly stated otherwise under a valid statute/prospectus or other binding constitutive document specifying terms and conditions for a particular investment instrument. Investment instruments are subject to investment risks and entail the risk of possible loss, including the risk of loss of the invested principal. Past or expected returns or performance of an investment instrument are neither a guarantee nor a reliable indicator of future income. The value of investment instruments can go up and down. The return of principal invested in investment instruments is not guaranteed, and expected or possible income on investment instruments is not guaranteed. Investment instruments may be subject to currency or foreign exchange fluctuations, including the risk of loss of the invested principal. This is not an exhaustive list of risks -please contact your personal banker for more information.

Investment services provided by Citibank Europe plc through its branch located in the Czech Republic are provided exclusively in this territory, and generally only to tax-paying residents of the Czech Republic (within the meaning of the provisions of Section 2 of Act 586/1992 Coll., on income tax, as amended).

Investment instruments must not be offered to individual persons of:

The United States (U.S. Persons) which means: citizens of the U.S. or holders of U.S green cards or residents of the U.S. for the purposes of federal income tax assessment. Ireland (Irish Persons) which means citizens of Ireland or residents of Ireland for the purposes of income tax assessment, who are physically present in the territory of Ireland when submitting the instruction for subscription/redemption/switch of investment instruments distributed by Citibank Europe plc. Citibank is not allowed to accept from citizens of Ireland any instructions for subscription/redemption/switch of collective investing securities domiciled in Ireland. Australia (Australian Persons) which means citizens of Australia who are physically present in the territory of Australia when submitting the instruction for subscription/redemption/switch of investment instruments distributed by Citibank Europe plc.