Filed pursuant to Rule 433
Registration No. 333-192302
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CitiFirst Offerings Brochure | January 2015
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CitiFirst Protection Investments |
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CitiFirst Performance Investments |
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Buffer Securities Based on Shares of the iShares® MSCI EAFE ETF |
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Barrier Digital Plus Securities Based on the Dow Jones Industrial AverageTM |
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For all offerings documented herein (other than the Market-Linked Certificates of Deposit):
Investment Products | Not FDIC Insured | May Lose Value | No Bank Guarantee |
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CitiFirst Offerings Brochure | January 2015
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Introduction to CitiFirst Investments
CitiFirst is the brand name for Citis offering of investments including notes and deposits. Tailored to meet the needs of a range of investors, CitiFirst investments are divided into three categories based on the amount of principal due at maturity:
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment. The SEC registered securities described herein are not bank deposits but are senior, unsecured debt obligations of Citi. All returns and any principal amount due at maturity are subject to the applicable issuer credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Structured investments are not conventional debt securities. They are complex in nature and the specific terms and conditions will vary for each offering.
CitiFirst operates across all asset classes meaning that underlying assets include equities, commodities, currencies, interest rates and alternative investments. When depicting a specific product, the relevant underlying asset will be shown as a symbol on the cube:
For instance, if a CitiFirst Performance investment were based upon a single stock, which |
Classification of investments into categories is not intended to guarantee particular results or performance. Though the potential returns on structured investments are based upon the performance of the relevant underlying asset or index, investing in a structured investment is not equivalent to investing directly in the underlying asset or index.
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CitiFirst Offerings Brochure | January 2015
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Fixed to Floating Rate Notes |
Indicative Terms*
Issuer: | Citigroup Inc. | |
Stated principal amount: | $1,000 per note | |
Pricing date: | January , 2015 (expected to be January 27, 2015) | |
Issue date: | January , 2015 (three business days after the pricing date) | |
Maturity date: | Unless earlier called by us, January , 2035 (expected to be January 30, 2035) | |
Payment at maturity: | At maturity, unless we have earlier called the notes, you will receive for each note you then hold an amount in cash equal to $1,000 plus any accrued and unpaid interest | |
Interest: | During each interest period from and including the issue date to but excluding January , 2016 (expected to be January 30, 2016), the notes will bear interest at a fixed rate of 10.00% per annum
During each interest period commencing on or after January , 2016 (expected to be January 30, 2016), the notes will bear interest at a floating rate equal to 15 times the modified CMS reference index, as determined on the CMS reference determination date for that interest period, subject to a maximum interest rate of 10.00% per annum and a minimum interest rate of 0.00% per annum
After the first year of the term of the notes, interest payments will vary based on fluctuations in the modified CMS reference index. After the first year, the notes may pay a below-market rate or no interest at all for an extended period of time, or even throughout the entire remaining term. | |
CMS reference index: | On any determination date, CMS30 minus CMS2, each as determined on that CMS reference determination date | |
Modified CMS reference index: | The CMS spread minus 0.875% | |
CMS reference determination date: | For any interest period commencing on or after January , 2016 (expected to be January 30, 2016), the second U.S. government securities business day prior to the first day of that interest period | |
Interest period: | Each three-month period from and including an interest payment date (or the issue date, in the case of the first interest period) to but excluding the next interest payment date | |
Interest payment dates: | The day of each January, April, July and October (expected to be the 30th day of each January, April, July and October), beginning on April , 2015 (expected to be April 30, 2015) and ending on the maturity date or, if applicable, the date when the notes are redeemed | |
Call right: | We may call the notes, in whole and not in part, for mandatory redemption on any interest payment date beginning on January , 2016 (expected to be January 30, 2016), upon not less than five business days notice. Following an exercise of our call right, you will receive for each note you then hold an amount in cash equal to $1,000 plus any accrued and unpaid interest. | |
CUSIP: | 1730T03W7 | |
Listing: | The notes will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest in the notes unless you are willing to hold them to maturity. | |
Selling Concession (paid to advisors): | up to 3.50% |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Investor Profile
Investor Seeks: |
Investor Can Accept: | |||||||
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Full principal amount due at maturity |
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A holding period of approximately 20 years | |||||
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Quarterly interest payments |
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The possibility of losing part or all of the principal amount invested if not held to maturity | |||||
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A callable long-term interest rate investment |
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The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the Risk Factors Relating to the Notes section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Autocallable Contingent Coupon Equity Linked Securities Based on the Common Stock of Celgene Corporation |
Indicative Terms*
Issuer: | Citigroup Inc. | |
Underlying shares: | Shares of the common stock of Celgene Corporation (NASDAQ symbol: CELG) (the underlying share issuer) | |
Stated principal amount: | $1,000 per security | |
Pricing date: | January , 2015 (expected to be January 20, 2015) | |
Issue date: | January , 2015 (three business days after the pricing date) | |
Valuation dates: | Expected to be April 20, 2015, July 20, 2015, October 20, 2015 and January 20, 2016 (the final valuation date), each subject to postponement if such date is not a scheduled trading day or if certain market disruption events occur | |
Maturity date: | Unless earlier redeemed, January , 2016 (expected to be January 25, 2016) | |
Contingent coupon payment dates: | For any valuation date, the fifth business day after such valuation date, except that the contingent coupon payment date for the final valuation date will be the maturity date | |
Contingent coupon: | On each quarterly contingent coupon payment date, unless previously redeemed, the securities will pay a contingent coupon equal to 3.25% to 3.75% (equal to approximately 13.00% to 15.00% per annum) (to be determined on the pricing date) of the stated principal amount of the securities if and only if the closing price of the underlying shares on the related valuation date is greater than or equal to the coupon barrier price. If the closing price of the underlying shares on any quarterly valuation date is less than the coupon barrier price, you will not receive any contingent coupon payment on the related contingent coupon payment date. | |
Automatic early redemption: | If, on any of the first seven quarterly valuation dates, the closing price of the underlying shares is greater than or equal to the initial share price, each security you then hold will be automatically redeemed on the related contingent coupon payment date for an amount in cash equal to $1,000 plus the related contingent coupon payment. | |
Payment at maturity: | If the securities are not automatically redeemed prior to maturity, you will be entitled to receive, for each $1,000 stated principal amount security you hold at maturity:
If the final share price is greater than or equal to the final barrier price: $1,000 plus the contingent coupon payment due at maturity
If the final share price is less than the final barrier price: a fixed number of underlying shares equal to the equity ratio (or, if we exercise our cash election right, the cash value of those shares based on the closing price of the underlying shares on the final valuation date) If the final share price is less than the final barrier price, you will receive underlying shares (or, in our sole discretion, cash) worth less than 75.00% of the stated principal amount of your securities, and possibly nothing, at maturity, and you will not receive any contingent coupon payment at maturity. | |
Initial share price: | $ , the closing price of the underlying shares on the pricing date |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Final share price: | The closing price of the underlying shares on the final valuation date | |
Coupon barrier price: | $ , 75.00% of the initial share price | |
Final barrier price: | $ , 75.00% of the initial share price | |
Equity ratio: | , the stated principal amount divided by the initial share price, subject to anti-dilution adjustments for certain corporate events | |
Listing: | The securities will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest in the securities unless you are willing to hold them to maturity. | |
CUSIP: | 1730T03S6 | |
Selling Concession (paid to advisors): | 1.00% |
Investor Profile
Investor Seeks: |
Investor Can Accept: | |||||||
¡ |
A short-term equity-linked investment |
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A holding period of approximately 1 year | |||||
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Contingent coupon payments |
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The possibility of losing a significant portion of the principal amount invested | |||||
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The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Autocallable Contingent Coupon Equity Linked Securities Based on the Class A Common Stock of Facebook, Inc. |
Indicative Terms*
Issuer: | Citigroup Inc. | |
Underlying shares: | Shares of the Class A common stock of Facebook, Inc. (NASDAQ symbol: FB) (the underlying share issuer) | |
Stated principal amount: | $1,000 per security | |
Pricing date: | January , 2015 (expected to be January 23, 2015) | |
Issue date: | January , 2015 (three business days after the pricing date) | |
Valuation dates: | Expected to be April 23, 2015, July 23, 2015, October 23, 2015 and January 25, 2016 (the final valuation date), each subject to postponement if such date is not a scheduled trading day or if certain market disruption events occur | |
Maturity date: | Unless earlier redeemed, January , 2016 (expected to be January 28, 2016) | |
Contingent coupon payment dates: | For any valuation date, the fifth business day after such valuation date, except that the contingent coupon payment date for the final valuation date will be the maturity date | |
Contingent coupon: | On each quarterly contingent coupon payment date, unless previously redeemed, the securities will pay a contingent coupon equal to 2.00% to 2.375% (equal to approximately 8.00% to 9.50% per annum) (to be determined on the pricing date) of the stated principal amount of the securities if and only if the closing price of the underlying shares on the related valuation date is greater than or equal to the coupon barrier price. If the closing price of the underlying shares on any quarterly valuation date is less than the coupon barrier price, you will not receive any contingent coupon payment on the related contingent coupon payment date. | |
Automatic early redemption: | If, on any of the first seven quarterly valuation dates, the closing price of the underlying shares is greater than or equal to the initial share price, each security you then hold will be automatically redeemed on the related contingent coupon payment date for an amount in cash equal to $1,000 plus the related contingent coupon payment. | |
Payment at maturity: | If the securities are not automatically redeemed prior to maturity, you will be entitled to receive, for each $1,000 stated principal amount security you hold at maturity:
If the final share price is greater than or equal to the final barrier price: $1,000 plus the contingent coupon payment due at maturity
If the final share price is less than the final barrier price: a fixed number of underlying shares equal to the equity ratio (or, if we exercise our cash election right, the cash value of those shares based on the closing price of the underlying shares on the final valuation date)
If the final share price is less than the final barrier price, you will receive underlying shares (or, in our sole discretion, cash) worth less than 80.00% of the stated principal amount of your securities, and possibly nothing, at maturity, and you will not receive any contingent coupon payment at maturity. | |
Initial share price: | $ , the closing price of the underlying shares on the pricing date |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Final share price: | The closing price of the underlying shares on the final valuation date | |
Coupon barrier price: | $ , 80.00% of the initial share price | |
Final barrier price: | $ , 80.00% of the initial share price | |
Equity ratio: | , the stated principal amount divided by the initial share price, subject to anti-dilution adjustments for certain corporate events | |
Listing: | The securities will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest in the securities unless you are willing to hold them to maturity. | |
CUSIP: | 1730T03Y3 | |
Selling Concession (paid to advisors): | 1.00% |
Investor Profile
Investor Seeks: |
Investor Can Accept: | |||||||
¡ |
A short-term equity-linked investment |
¡ |
A holding period of approximately 1 year | |||||
¡ |
Contingent coupon payments |
¡ |
The possibility of losing a significant portion of the principal amount invested | |||||
¡ |
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Buffer Securities Based on Shares of the iShares® MSCI EAFE ETF |
Indicative Terms*
Issuer: | Citigroup Inc. | |
Underlying shares: | Shares of the iShares® MSCI EAFE ETF (NYSE Arca symbol: EFA) (the underlying share issuer or ETF) | |
Stated principal amount: | $1,000 per security | |
Pricing date: | January , 2015 (expected to be January 27, 2015) | |
Issue date: | January , 2015 (three business days after the pricing date) | |
Valuation date: | January , 2020 (expected to be January 27, 2020), subject to postponement if such date is not a scheduled trading day or if certain market disruption events occur | |
Maturity date: | January , 2020 (expected to be January 30, 2020) | |
Payment at maturity: | For each $1,000 stated principal amount security you hold at maturity:
If the final index level is greater than the initial share price: $1,000 + the return amount
If the final share price is equal to or less than the initial share price by an amount equal to or less than the buffer amount: $1,000
If the final share price is less than the initial share price by an amount greater than the buffer amount: ($1,000 x the share performance factor) + $250.00
If the final share price is less than the initial share price by more than the buffer amount, your payment at maturity will be less, and possibly significantly less, than the $1,000 stated principal amount per security. You should not invest in the securities unless you are willing and able to bear the risk of losing a significant portion of your investment. | |
Initial share price: | , the closing price of the underlying shares on the pricing date | |
Final share price: | The closing price of the underlying shares on the valuation date | |
Share performance factor: | The final share price divided by the initial share price | |
Share percent increase: | The final share price minus the initial share price, divided by the initial share price | |
Return amount: | $1,000 x share percent increase x the upside participation rate | |
Upside participation rate: | $100.00 to $110.00. The actual upside participation rate will be determined on the pricing date. | |
Buffer amount: | 25.00% | |
Listing: | The securities will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest in the securities unless you are willing to hold them to maturity. | |
CUSIP: | 1730T03U1 | |
Selling Concession (paid to advisors): | 3.00% |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Investor Profile
Investor Seeks: |
Investor Can Accept: | |||||||
¡ |
A medium-term equity index-linked investment |
¡ |
A holding period of approximately 5 years | |||||
¡ |
The possibility of losing a significant portion of the principal amount invested | |||||||
¡ |
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Barrier Digital Plus Securities Based on the Dow Jones Industrial AverageTM |
Indicative Terms*
Issuer: | Citigroup Inc. | |
Underlying index: | The Dow Jones Industrial AverageTM (ticker symbol: INDU) | |
Stated principal amount: | $1,000 per security | |
Pricing date: | January , 2015 (expected to be January 27, 2015) | |
Issue date: | January , 2015 (three business days after the pricing date) | |
Valuation date: | January , 2020 (expected to be January 27, 2020), subject to postponement if such date is not a scheduled trading day or if certain market disruption events occur | |
Maturity date: | January , 2020 (expected to be January 30, 2020) | |
Payment at maturity: | For each $1,000 stated principal amount security you hold at maturity:
If the final index level is greater than or equal to the initial index level: $1,000 + the greater of (i) the fixed return amount and (ii) $1,000 x the index percent increase
If the final index level is less than the initial index level but greater than or equal to the barrier level: $1,000 x the index performance factor
If the final index level is less than the barrier level: $1,000 x the index performance factor
If the final index level is less than the barrier level, your payment at maturity will be less, and possibly significantly less, than $800.00 per security. You should not invest in the securities unless you are willing and able to bear the risk of losing a significant portion of your investment. | |
Initial index level: | , the closing level of the underlying index on the pricing date | |
Final index level: | The closing level of the underlying index on the valuation date | |
Fixed return amount: | $250.00 to $280.00 per security (25.00% to 28.00% of the stated principal amount), to be determined on the pricing date. You will receive the fixed return amount only if the final index level is greater than or equal to the initial index level. | |
Index performance factor: | The final index level divided by the initial index level | |
Index percent increase: | The final index level minus the initial index level, divided by the initial index level | |
Barrier level: | , 80.00% of the initial index level | |
Listing: | The securities will not be listed on any securities exchange and, accordingly, may have limited or no liquidity. You should not invest in the securities unless you are willing to hold them to maturity. | |
CUSIP: | 1730T03T4 | |
Selling Concession (paid to advisors): | 3.00% |
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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Investor Profile
Investor Seeks: |
Investor Can Accept: | |||||||
¡ | A medium-term equity index-linked investment |
¡ |
A holding period of approximately 5 years | |||||
¡ | A fixed return amount |
¡ |
The possibility of losing a significant portion of the principal amount invested | |||||
¡ |
The structured investments discussed herein are not suitable for all investors. Prospective investors should evaluate their financial objectives and tolerance for risk prior to investing in any structured investment |
A complete description of the risks associated with this investment is outlined in the Summary Risk Factors section of the applicable preliminary pricing supplement.
For questions, please call your Financial Advisor
* The information listed above is not intended to be a complete description of all of the terms, risks and benefits of a particular investment. All maturities are approximate. All terms in brackets are indicative only and will be set on the applicable pricing date. All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of the Market-Linked Certificates of Deposit which have FDIC insurance, subject to applicable limitations. Please refer to the relevant investments offering documents and related material(s) for additional information.
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CitiFirst Offerings Brochure | January 2015
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General Overview of Investments
Investments | Maturity | Risk Profile* | Return* | |||
Contingent Absolute Return MLDs/Notes | 1-2 Years | Full principal amount due at maturity |
If the underlying never crosses either an upside or downside threshold, the return on the investment equals the absolute value of the return of the underlying. Otherwise, the return equals zero | |||
Contingent Upside Participation MLDs/Notes | 1-3 Years | Full principal amount due at maturity |
If the underlying crosses an upside threshold, the return on the investment equals an interest payment paid at maturity. Otherwise, the return equals the greater of the return of the underlying and zero | |||
Minimum Coupon Notes | 3-5 Years | Full principal amount due at maturity |
If the underlying ever crosses an upside threshold during a coupon period, the return for the coupon period equals the minimum coupon. Otherwise, the return for a coupon period equals the greater of the return of the underlying during the coupon period and the minimum coupon |
Investments | Maturity | Risk Profile* | Return* | |||
ELKS® | 6-13 Months | Payment at maturity may be less than the principal amount |
A fixed coupon is paid regardless of the performance of the underlying. If the underlying never crosses a downside threshold, the return on the investment equals the coupons paid. Otherwise, the return equals the sum of the coupons paid and the return of the underlying at maturity | |||
Buffer Notes | 1-3 Years | Payment at maturity may be less than the principal amount |
If the return of the underlying is positive at maturity, the return on the investment equals the lesser of (a) the return of the underlying multiplied by a participation rate and (b) the maximum return on the notes. If the return of the underlying is either zero or negative by an amount lesser than the buffer amount, the investor receives the stated principal amount. Otherwise, the return on the investment equals the return of the underlying plus the buffer amount | |||
PACERSSM | 3-5 Years | Payment at maturity may be less than the principal amount |
If the underlying is equal to or greater than a threshold (such as its initial value) on any call date, the note is called and the return on the investment equals a fixed premium. If the note has not been called, at maturity, if the underlying has crossed a downside threshold, the return on the investment equals the return of the underlying, which will be negative. Otherwise, the return equals zero | |||
LASERSSM | 3-4 Years | Payment at maturity may be less than the principal amount |
If the return of the underlying is positive at maturity, the return on the investment equals the return of the underlying multiplied by a participation rate (some versions are subject to a maximum return on the notes). If the return of the underlying is negative and the underlying has crossed a downside threshold, the return on the investment equals the return of the underlying, which will be negative. Otherwise, the return equals zero |
Investments | Maturity | Risk Profile* | Return* | |||
Upturn Notes | 1-2 Years | Payment at maturity may be zero |
If the underlying is above its initial level at maturity, the return on the investment equals the lesser of the return of the underlying multiplied by a participation rate and the maximum return on the notes. Otherwise, the return equals the return of the underlying | |||
Fixed Upside Return Notes | 1-2 Years | Payment at maturity may be zero |
If the underlying is equal to or above its initial level at maturity, the return on the investment equals a predetermined fixed amount. Otherwise, the return equals the return of the underlying | |||
Strategic Market Access Notes | 3-4 Years | Payment at maturity may be zero |
The return on the investment equals the return of a unique index created by Citi |
*All returns and any principal amount due at maturity are subject to the applicable issuers credit risk, with the exception of Market-Linked Certificates of Deposit which has FDIC insurance, subject to applicable limitations. This is not a complete list of CitiFirst structures. The descriptions above are not intended to completely describe how an investment works or to detail all of the terms, risks and benefits of a particular investment. The return profiles can change. Please refer to the offering documents and related material(s) of a particular investment for a comprehensive description of the structure, terms, risks and benefits related to that investment.
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CitiFirst Offerings Brochure | January 2015
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Important Information for the Monthly Offerings
Investment Information
The investments set forth in the previous pages are intended for general indication only of the CitiFirst Investments offerings. The issuer reserves the right to terminate any offering prior to its pricing date or to close ticketing early on any offering.
SEC Registered (Public) Offerings
Each issuer has separately filed a registration statement (including a prospectus) with the Securities and Exchange Commission (the SEC) for the SEC registered offerings by that issuer to which this communication relates. Before you invest in any of the registered offerings identified in this Offerings Brochure, you should read the prospectus in the applicable registration statement and the other documents the issuer have filed with the SEC for more complete information about that issuer and offerings. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov.
For Registered Offerings Issued by: Citigroup Inc.
Issuers Registration Statement Number: 333-192302
Issuers CIK on the SEC Website: 0000831001
Alternatively, you can request a prospectus and any other documents related to the offerings, either in hard copy or electronic form, by calling toll-free 1-877-858-5407 or by calling your Financial Advisor.
The SEC registered securities described herein are not bank deposits but are senior, unsecured debt obligations of the issuer. The SEC registered securities are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency or instrumentality.
Market-Linked Certificates of Deposit
The Market-Linked Deposits (MLDs) are not SEC registered offerings and are not required to be so registered. For indicative terms and conditions on any MLD, please contact your Financial Advisor or call the toll-free number 1-800-831-9146.
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CitiFirst Offerings Brochure | January 2015
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and Risks of CitiFirst Investments
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CitiFirst Offerings Brochure | January 2015
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Notes
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CitiFirst Offerings Brochure | January 2015
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Notes
To discuss CitiFirst structured investment ideas and strategies, Financial Advisors, Private Bankers and other distribution partners may call our sales team. Private Investors should call their financial advisor or private banker.
Client service number for Financial Advisors and Distribution Partners in the Americas:
+1 (212) 723-3136
For more information, please go to www.citifirst.com
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