<SEC-DOCUMENT>0000950103-25-012478.txt : 20250930
<SEC-HEADER>0000950103-25-012478.hdr.sgml : 20250930
<ACCEPTANCE-DATETIME>20250929173934
ACCESSION NUMBER:		0000950103-25-012478
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		11
FILED AS OF DATE:		20250930
DATE AS OF CHANGE:		20250929

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIGROUP INC
		CENTRAL INDEX KEY:			0000831001
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				521568099
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-270327
		FILM NUMBER:		251357545

	BUSINESS ADDRESS:	
		STREET 1:		388 GREENWICH STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013
		BUSINESS PHONE:		2125591000

	MAIL ADDRESS:	
		STREET 1:		388 GREENWICH STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TRAVELERS GROUP INC
		DATE OF NAME CHANGE:	19950519

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TRAVELERS INC
		DATE OF NAME CHANGE:	19940103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PRIMERICA CORP /NEW/
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Citigroup Global Markets Holdings Inc.
		CENTRAL INDEX KEY:			0000200245
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		ORGANIZATION NAME:           	02 Finance
		EIN:				112418067
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-270327-01
		FILM NUMBER:		251357546

	BUSINESS ADDRESS:	
		STREET 1:		388 GREENWICH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013
		BUSINESS PHONE:		212-816-6000

	MAIL ADDRESS:	
		STREET 1:		388 GREENWICH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIGROUP GLOBAL MARKETS HOLDINGS INC
		DATE OF NAME CHANGE:	20030404

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SALOMON SMITH BARNEY HOLDINGS INC
		DATE OF NAME CHANGE:	19971128

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SALOMON INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>dp235175_424b2-us2502303.htm
<DESCRIPTION>PRICING SUPPLEMENT
<TEXT>
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<P STYLE="margin: 0pt">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 18pt; color: #888888">Citigroup Global Markets Holdings Inc.</FONT></TD>
    <TD STYLE="width: 50%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray"><B>September 25, 2025</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray"><B>Medium-Term Senior Notes, Series
N</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray"><B>Pricing Supplement No. 2025-USNCH28091</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray"><B>Filed Pursuant to Rule 424(b)(2)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray"><B>Registration Statement Nos.
333-270327 and 333-270327-01</B></P></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Autocallable Contingent Coupon Market-Linked Securities
Linked to the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER Due October 1, 2035</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0"></P>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">&squarf;</TD><TD>The securities offered by this pricing supplement are unsecured
debt securities issued by Citigroup Global Markets Holdings Inc. and guaranteed by Citigroup Inc. The securities offer the potential
for periodic contingent coupon payments at the rate specified below. You will receive a contingent coupon payment on a contingent coupon
payment date if, and only if, the closing value of the underlying on the immediately preceding valuation date is greater than or equal
to its coupon barrier value specified below.</TD>
</TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">&squarf;</TD><TD>The securities will be automatically called for redemption prior
to maturity if the closing value of the underlying on any potential autocall date is greater than or equal to its initial underlying
value. In addition, you will not receive dividends with respect to the underlying or participate in any appreciation of the underlying.</TD>
</TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">&squarf;</TD><TD><B>The underlying is highly risky because it may reflect highly
leveraged exposure to any decline in the S&amp;P 500 Futures Excess Return Index. The S&amp;P 500 Futures Excess Return Index tracks
futures contracts on the S&amp;P 500<SUP>&reg;</SUP> Index and is likely to underperform the S&amp;P 500<SUP>&reg;</SUP> Index because
of an implicit financing cost. In addition, the underlying is subject to a decrement of 6% per annum, which will be a significant drag
on its performance. You should carefully review the section &ldquo;Summary Risk Factors&mdash;Risks relating to the S&amp;P 500 Futures
35% Edge Volatility 6% Decrement Index (USD) ER&rdquo; in this pricing supplement.</B></TD>
</TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">&squarf;</TD><TD>Investors in the securities must be willing to accept (i) an
investment that may have limited or no liquidity and (ii) the risk of not receiving any payments due under the securities if we and Citigroup
Inc. default on our obligations. <B>All payments on the securities are subject to the credit risk of Citigroup Global Markets Holdings
Inc. and Citigroup Inc.</B></TD>
</TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

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    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>KEY TERMS</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="width: 20%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Issuer:</B></FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citigroup Global Markets Holdings Inc., a wholly owned subsidiary of Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Guarantee:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">All payments due on the securities are fully and unconditionally guaranteed by Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underlying:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Stated principal amount:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000 per security</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Pricing date:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 25, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Issue date:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Valuation dates:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 27, 2025, November 25, 2025, December 24, 2025, January 27, 2026, February 25, 2026, March 25, 2026, April 27, 2026, May 27, 2026, June 25, 2026, July 27, 2026, August 26, 2026, September 25, 2026, October 27, 2026, November 24, 2026, December 24, 2026, January 27, 2027, February 24, 2027, March 24, 2027, April 27, 2027, May 26, 2027, June 25, 2027, July 27, 2027, August 25, 2027, September 27, 2027, October 27, 2027, November 24, 2027, December 27, 2027, January 26, 2028, February 24, 2028, March 27, 2028, April 26, 2028, May 24, 2028, June 27, 2028, July 26, 2028, August 25, 2028, September 27, 2028, October 25, 2028, November 27, 2028, December 27, 2028, January 25, 2029, February 23, 2029, March 27, 2029, April 25, 2029, May 24, 2029, June 27, 2029, July 25, 2029, August 27, 2029, September 26, 2029, October 25, 2029, November 27, 2029, December 26, 2029, January 25, 2030, February 25, 2030, March 27, 2030, April 25, 2030, May 24, 2030, June 26, 2030, July 25, 2030, August 27, 2030, September 25, 2030, October 25, 2030, November 26, 2030, December 24, 2030, January 27, 2031, February 25, 2031, March 26, 2031, April 25, 2031, May 27, 2031, June 25, 2031, July 25, 2031, August 27, 2031, September 25, 2031, October 27, 2031, November 25, 2031, December 24, 2031, January 27, 2032, February 25, 2032, March 24, 2032, April 27, 2032, May 26, 2032, June 25, 2032, July 27, 2032, August 25, 2032, September 27, 2032, October 27, 2032, November 24, 2032, December 27, 2032, January 26, 2033, February 23, 2033, March 25, 2033, April 27, 2033, May 25, 2033, June 27, 2033, July 27, 2033, August 25, 2033, September 27, 2033, October 26, 2033, November 25, 2033, December 27, 2033, January 25, 2034, February 23, 2034, March 27, 2034, April 26, 2034, May 24, 2034, June 27, 2034, July 26, 2034, August 25, 2034, September 27, 2034, October 25, 2034, November 27, 2034, December 27, 2034, January 25, 2035, February 23, 2035, March 27, 2035, April 25, 2035, May 24, 2035, June 27, 2035, July 25, 2035, August 27, 2035 and September 26, 2035 (the &ldquo;final valuation date&rdquo;), each subject to postponement if such date is not a scheduled trading day or certain market disruption events occur</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Maturity date:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Unless earlier redeemed, October 1, 2035</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Contingent coupon payment dates:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The 30th day of each month or the 28th day in the case of February, beginning in October 2025, provided that the final contingent coupon payment date will be the maturity date. Each contingent coupon payment date is subject to postponement to the next succeeding business day if such day is not a business day. In addition, if the valuation date immediately preceding any contingent coupon payment date is postponed, that contingent coupon payment date will be postponed to the third business day following that valuation date as postponed; provided that the contingent coupon payment date with respect to the final valuation date will be the maturity date. No interest will accrue as a result of any delayed payment.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Contingent coupon:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">On each contingent coupon payment date, unless previously redeemed, the securities will pay a contingent coupon equal to 0.70% of the stated principal amount of the securities (equivalent to a contingent coupon rate of 8.40% per annum) <B>if and only if</B> the closing value of the underlying on the immediately preceding valuation date is greater than or equal to the coupon barrier value. <B>If the closing value of the underlying on any valuation date is less than the coupon barrier value, you will not receive any contingent coupon payment on the immediately following contingent coupon payment date. </B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Payment at maturity:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">If the securities are not automatically redeemed prior to maturity, you will receive at maturity for each security you then hold, the stated principal amount <I>plus</I> the final contingent coupon payment, if applicable.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Initial underlying value:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">498.6922, the closing value of the underlying on the pricing date</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Final underlying value:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The closing value of the underlying on the final valuation date</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Coupon barrier value:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">374.019, 75.00% of the initial underlying value</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Listing:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The securities will not be listed on any securities exchange</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underwriter:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citigroup Global Markets Inc. (&ldquo;<B>CGMI</B>&rdquo;), an affiliate of the issuer, acting as principal</FONT></TD></TR>
  </TABLE>
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  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="width: 20%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underwriting fee and issue price:</B></FONT></TD>
    <TD STYLE="width: 26%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Issue price<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="width: 28%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underwriting fee<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="width: 26%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Proceeds to issuer</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: rgb(34,146,208)"><B>Per security:</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$950.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Total:</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$420,000.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$21,000.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$399,000.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><I>(Key Terms continued on next page)</I>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(1) On the date of this pricing supplement, the estimated value of the
securities is $887.20 per security, which is less than the issue price. The estimated value of the securities is based on CGMI&rsquo;s
proprietary pricing models and our internal funding rate. It is not an indication of actual profit to CGMI or other of our affiliates,
nor is it an indication of the price, if any, at which CGMI or any other person may be willing to buy the securities from you at any time
after issuance. See &ldquo;Valuation of the Securities&rdquo; in this pricing supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(2) For more information on the distribution of the securities, see
&ldquo;Supplemental Plan of Distribution&rdquo; in this pricing supplement. In addition to the underwriting fee, CGMI and its affiliates
may profit from hedging activity related to this offering, even if the value of the securities declines. See &ldquo;Use of Proceeds and
Hedging&rdquo; in the accompanying prospectus.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investing in the securities involves risks not associated with an
investment in conventional debt securities. See &ldquo;Summary Risk Factors&rdquo; beginning on page PS-4.</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Neither the Securities and Exchange Commission
nor any state securities commission has approved or disapproved of the securities or determined that this pricing supplement and the
accompanying product supplement, underlying supplement, prospectus supplement and prospectus are truthful or complete. Any representation
to the contrary is a criminal offense.</B>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>You should read this pricing supplement together
with the accompanying product supplement, underlying supplement, prospectus supplement and prospectus, which can be accessed via the
hyperlinks below:</I></B>&nbsp;</P>

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    <TD STYLE="width: 50%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003821/dp190218_424b2-pp0309.htm" TITLE="https://www.sec.gov/Archives/edgar/data/200245/000095010323003821/dp190218_424b2-pp0309.htm" STYLE="color: rgb(34,146,208); text-decoration: underline"><FONT STYLE="color: #2292D0"><B>Product Supplement No. EA-03-09 dated March 7, 2023</B></FONT></A></FONT></TD>
    <TD STYLE="width: 50%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm" TITLE="https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm" STYLE="color: rgb(34,146,208); text-decoration: underline"><FONT STYLE="color: #2292D0"><B>Underlying Supplement No. 11 dated March 7, 2023</B></FONT></A></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #2292D0"><B><A HREF="https://www.sec.gov/Archives/edgar/data/831001/000119312523063080/d470905d424b2.htm" TITLE="https://www.sec.gov/Archives/edgar/data/831001/000119312523063080/d470905d424b2.htm" STYLE="color: rgb(34,146,208); text-decoration: underline">Prospectus Supplement and Prospectus each dated March 7, 2023</A></B>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>The securities are not bank deposits and are
not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, nor are they obligations of,
or guaranteed by, a bank.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #2292D0">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>KEY TERMS (continued)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Automatic early redemption:</B></FONT></TD>
    <TD STYLE="width: 77%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">If, on any potential autocall date, the closing value of the underlying is greater than or equal to&nbsp;&nbsp;the initial underlying value, each security you then hold will be automatically called on that potential autocall date for redemption on the immediately following contingent coupon payment date for an amount in cash equal to $1,000 <I>plus</I> the related contingent coupon payment. <B>The automatic early redemption feature may significantly limit your potential return on the securities. If the underlying performs in a way that would otherwise be favorable, the securities are likely to be automatically called for redemption prior to maturity, cutting short your opportunity to receive contingent coupon payments. The securities may be automatically called for redemption as early as the first potential autocall date specified below.</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Potential autocall dates:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The valuation dates scheduled to occur on September 27, 2028, October 25, 2028, November 27, 2028, December 27, 2028, January 25, 2029, February 23, 2029, March 27, 2029, April 25, 2029, May 24, 2029, June 27, 2029, July 25, 2029, August 27, 2029, September 26, 2029, October 25, 2029, November 27, 2029, December 26, 2029, January 25, 2030, February 25, 2030, March 27, 2030, April 25, 2030, May 24, 2030, June 26, 2030, July 25, 2030, August 27, 2030, September 25, 2030, October 25, 2030, November 26, 2030, December 24, 2030, January 27, 2031, February 25, 2031, March 26, 2031, April 25, 2031, May 27, 2031, June 25, 2031, July 25, 2031, August 27, 2031, September 25, 2031, October 27, 2031, November 25, 2031, December 24, 2031, January 27, 2032, February 25, 2032, March 24, 2032, April 27, 2032, May 26, 2032, June 25, 2032, July 27, 2032, August 25, 2032, September 27, 2032, October 27, 2032, November 24, 2032, December 27, 2032, January 26, 2033, February 23, 2033, March 25, 2033, April 27, 2033, May 25, 2033, June 27, 2033, July 27, 2033, August 25, 2033, September 27, 2033, October 26, 2033, November 25, 2033, December 27, 2033, January 25, 2034, February 23, 2034, March 27, 2034, April 26, 2034, May 24, 2034, June 27, 2034, July 26, 2034, August 25, 2034, September 27, 2034, October 25, 2034, November 27, 2034, December 27, 2034, January 25, 2035, February 23, 2035, March 27, 2035, April 25, 2035, May 24, 2035, June 27, 2035, July 25, 2035 and August 27, 2035</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underlying return:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(i) The final underlying value <I>minus</I> the initial underlying value, <I>divided by</I> (ii) the initial underlying value</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>CUSIP / ISIN:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17333MJE4 / US17333MJE49</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Additional Information</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>General.</B> The terms of the securities are set forth in the accompanying
product supplement, prospectus supplement and prospectus, as supplemented by this pricing supplement. The accompanying product supplement,
prospectus supplement and prospectus contain important disclosures that are not repeated in this pricing supplement. For example, the
accompanying product supplement contains important information about how the closing value of the underlying will be determined and about
adjustments that may be made to the terms of the securities upon the occurrence of market disruption events and other specified events
with respect to the underlying. The accompanying underlying supplement contains important disclosures regarding the S&amp;P 500<SUP>&reg;</SUP>
Index, on which the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER is ultimately based. It is important that you
read the accompanying product supplement, underlying supplement, prospectus supplement and prospectus together with this pricing supplement
in connection with your investment in the securities. Certain terms used but not defined in this pricing supplement are defined in the
accompanying product supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Closing value.</B> The closing value of the underlying on any date
is its closing level on that date, as described in the accompanying product supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Hypothetical Examples</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The examples below illustrate how to determine whether a contingent
coupon will be paid and whether the securities will be automatically called for redemption following a valuation date that is also a potential
autocall date. The examples are solely for illustrative purposes, do not show all possible outcomes and are not a prediction of any payment
that may be made on the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The examples below are based on the following hypothetical values and
do not reflect the actual initial underlying value or coupon barrier value. For the actual initial underlying value and coupon barrier
value, see the cover page of this pricing supplement. We have used these hypothetical values, rather than the actual values, to simplify
the calculations and aid understanding of how the securities work. However, you should understand that the actual payments on the securities
will be calculated based on the actual initial underlying value and coupon barrier value, and not the hypothetical values indicated below.
For ease of analysis, figures below have been rounded.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding-right: 6pt; width: 30%; border: #2292D0 1pt solid; padding-left: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Hypothetical initial underlying value:</B></FONT></TD>
    <TD STYLE="padding-right: 6pt; width: 70%; border-top: #2292D0 1pt solid; border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; padding-left: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">100.00</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 6pt; border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; border-left: #2292D0 1pt solid; padding-left: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Hypothetical coupon barrier value:</B></FONT></TD>
    <TD STYLE="padding-right: 6pt; border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; padding-left: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">75.00 (75.00% of the hypothetical initial underlying value)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0"><B><I>Hypothetical Examples of Contingent Coupon Payments
and any Payment upon Automatic Early Redemption Following a Valuation Date that is also a Potential Autocall Date</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The three hypothetical examples below illustrate how to determine whether
a contingent coupon will be paid and whether the securities will be automatically redeemed following a hypothetical valuation date that
is also a potential autocall date, assuming that the closing value of the underlying on the hypothetical valuation date is as indicated
below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 34%; border: #2292D0 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 33%; border-top: #2292D0 1pt solid; border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Hypothetical closing value of the</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>underlying on hypothetical</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>valuation date</B></FONT></P></TD>
    <TD STYLE="width: 33%; border-top: #2292D0 1pt solid; border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Hypothetical payment per $1,000.00</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>security on related contingent</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>coupon payment date</B></FONT></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; border-left: #2292D0 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Example 1</B></FONT></TD>
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">85<BR> (greater than coupon barrier value;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">less than initial underlying value)</FONT></P></TD>
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$7.00</B><BR> (contingent coupon is paid; securities</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">not redeemed)</FONT></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; border-left: #2292D0 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Example 2</B></FONT></TD>
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">45<BR>
(less than coupon barrier value)</FONT></TD>
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$0.00</B><BR>
(no contingent coupon; securities not</FONT></P>
                                                                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">redeemed)</FONT></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; border-left: #2292D0 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Example 3</B></FONT></TD>
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">110<BR> (greater than coupon barrier value and</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">initial underlying value)</FONT></P></TD>
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$1,007.00</B><BR> (contingent coupon is paid; securities</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">redeemed)</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #2292D0"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #2292D0"><B>Example 1:</B></FONT> On the hypothetical
valuation date, the closing value of the underlying is greater than the coupon barrier value but less than the initial underlying value.
As a result, investors in the securities would receive the contingent coupon payment on the related contingent coupon payment date and
the securities would not be automatically redeemed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #2292D0"><B>Example 2:</B></FONT> On the hypothetical
valuation date, the closing value of the underlying is less than the coupon barrier value. As a result, investors would not receive any
payment on the related contingent coupon payment date and the securities would not be automatically redeemed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investors in the securities will not receive a contingent coupon
on the contingent coupon payment date following a valuation date if the closing value of the underlying on that valuation date is less
than the coupon barrier value.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #2292D0"><B>Example 3:</B></FONT> On the hypothetical
valuation date, the closing value of the underlying is greater than both the coupon barrier value and the initial underlying value. As
a result, the securities would be automatically redeemed on the related contingent coupon payment date for an amount in cash equal to
$1,000.00 <I>plus</I> the related contingent coupon payment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the hypothetical valuation date were not also a potential autocall
date, the securities would not be automatically redeemed on the related contingent coupon payment date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Summary Risk Factors</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">An investment in the securities is significantly riskier than an investment
in conventional debt securities. The securities are subject to all of the risks associated with an investment in our conventional debt
securities (guaranteed by Citigroup Inc.), including the risk that we and Citigroup Inc. may default on our obligations under the securities,
and are also subject to risks associated with the underlying. Accordingly, the securities are suitable only for investors who are capable
of understanding the complexities and risks of the securities. You should consult your own financial, tax and legal advisors as to the
risks of an investment in the securities and the suitability of the securities in light of your particular circumstances.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following is a summary of certain key risk factors for investors
in the securities. You should read this summary together with the more detailed description of risks relating to an investment in the
securities contained in the section &ldquo;Risk Factors Relating to the Notes&rdquo; beginning on page EA-6 in the accompanying product
supplement. You should also carefully read the risk factors included in the accompanying prospectus supplement and in the documents incorporated
by reference in the accompanying prospectus, including Citigroup Inc.&rsquo;s most recent Annual Report on Form 10-K and any subsequent
Quarterly Reports on Form 10-Q, which describe risks relating to the business of Citigroup Inc. more generally.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Risks Relating to the Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Although the securities provide for the repayment of the stated principal
amount at maturity, you may nevertheless suffer a loss on your investment in real value terms if you do not receive one or more, or any
contingent coupon payments.</B> This is because inflation may cause the real value of the stated principal amount to be less at maturity
than it is at the time you invest, and because an investment in the securities represents a forgone opportunity to invest in an alternative
asset that does generate a positive real return. This potential loss in real value terms is significant given the term of the securities.
You should carefully consider whether an investment that may provide a return that is lower than the return on alternative investments,
is appropriate for you.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>You will not receive any contingent coupon on the contingent coupon payment
date following any valuation date on which the closing value of the underlying is less than the coupon barrier value.</B> A contingent
coupon payment will be made on a contingent coupon payment date if and only if the closing value of the underlying on the immediately
preceding valuation date is greater than or equal to the coupon barrier value. If the closing value of the underlying on any valuation
date is less than the coupon barrier value, you will not receive any contingent coupon payment on the immediately following contingent
coupon payment date. If the closing value of the underlying on each valuation date is below the coupon barrier value, you will not receive
any contingent coupon payments over the term of the securities.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The securities may be automatically redeemed prior to maturity, limiting
your opportunity to receive contingent coupon payments.</B> On any potential autocall date, the securities will be automatically called
for redemption if the closing value of the underlying on that potential autocall date is greater than or equal to the initial underlying
value. As a result, if the underlying performs in a way that would otherwise be favorable, the securities are likely to be automatically
redeemed, cutting short your opportunity to receive contingent coupon payments. If the securities are automatically redeemed prior to
maturity, you may not be able to reinvest your funds in another investment that provides a similar yield with a similar level of risk.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The securities do not offer any upside exposure to the underlying.</B>
You will not participate in any appreciation in the value of the underlying over the term of the securities. Consequently, your return
on the securities will be limited to the contingent coupon payments you receive, if any, and may be significantly less than the return
on the underlying over the term of the securities. In addition, as an investor in the securities, you will not receive any dividends or
other distributions or have any other rights with respect to the underlying.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The performance of the securities will depend on the closing value of the
underlying solely on the valuation dates, which makes the securities particularly sensitive to volatility in the closing value of the
underlying on or near the valuation dates.</B> Whether the contingent coupon will be paid on any given contingent coupon payment date
and whether the securities will be automatically redeemed prior to maturity will depend on the closing value of the underlying solely
on the applicable valuation dates, regardless of the closing value of the underlying on other days during the term of the securities.
If the securities are not automatically redeemed prior to maturity, what you receive at maturity will depend solely on the closing value
of the underlying on the final valuation date, and not on any other day during the term of the securities. Because the performance of
the securities depends on the closing value of the underlying on a limited number of dates, the securities will be particularly sensitive
to volatility in the closing value of the underlying on or near the valuation dates. You should understand that the closing value of the
underlying has historically been highly volatile.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The securities are subject to the credit risk of Citigroup Global Markets
Holdings Inc. and Citigroup Inc.</B> If we default on our obligations under the securities and Citigroup Inc. defaults on its guarantee
obligations, you may not receive anything owed to you under the securities.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The securities are riskier than securities with a shorter term.</B> The
securities are relatively long-dated.&nbsp;&nbsp;Because the securities are relatively long-dated, many of the risks of the securities
are heightened as compared to securities with a shorter term, because you will be subject to those risks for a longer period of time.&nbsp;&nbsp;In
addition, the value of a longer-dated security is typically less than the value of an otherwise comparable security with a shorter term.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The securities will not be listed on any securities exchange and you may
not be able to sell them prior to maturity.</B> The securities will not be listed on any securities exchange. Therefore, there may be
little or no secondary market for the securities. CGMI currently intends to make a secondary market in relation to the securities and
to provide an indicative bid price for the securities on a daily basis. Any indicative bid price for the securities provided by CGMI will
be determined in CGMI&rsquo;s sole discretion, taking into account prevailing market conditions and other relevant factors, and will not
be a representation by CGMI that the securities can be sold at that price, or at all. CGMI may suspend or terminate making a market and
providing indicative bid prices without notice, at any time and for any reason. If CGMI suspends or terminates making a market, there
may be no secondary market at all for the securities because it is likely that CGMI </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="color: rgb(41,109,193)">&nbsp;</FONT></TD><TD STYLE="text-align: right; font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="font-size: 10pt; color: rgb(41,109,193)">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">will be the only broker-dealer that is willing to buy your
securities prior to maturity. Accordingly, an investor must be prepared to hold the securities until maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Sale of the securities prior to maturity may result in a loss of principal.</B>
You will be entitled to receive at least the full stated principal amount of your securities, subject to the credit risk of Citigroup
Global Markets Holdings Inc. and Citigroup Inc., only if you hold the securities to maturity. The value of the securities may fluctuate
during the term of the securities, and if you are able to sell your securities prior to maturity, you may receive less than the full stated
principal amount of your securities.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The estimated value of the securities on the pricing date, based on CGMI&rsquo;s
proprietary pricing models and our internal funding rate, is less than the issue price.</B> The difference is attributable to certain
costs associated with selling, structuring and hedging the securities that are included in the issue price. These costs include (i) any
selling concessions or other fees paid in connection with the offering of the securities, (ii) hedging and other costs incurred by us
and our affiliates in connection with the offering of the securities and (iii) the expected profit (which may be more or less than actual
profit) to CGMI or other of our affiliates in connection with hedging our obligations under the securities. These costs adversely affect
the economic terms of the securities because, if they were lower, the economic terms of the securities would be more favorable to you.
The economic terms of the securities are also likely to be adversely affected by the use of our internal funding rate, rather than our
secondary market rate, to price the securities. See &ldquo;The estimated value of the securities would be lower if it were calculated
based on our secondary market rate&rdquo; below.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The estimated value of the securities was determined for us by our affiliate
using proprietary pricing models.</B> CGMI derived the estimated value disclosed on the cover page of this pricing supplement from its
proprietary pricing models. In doing so, it may have made discretionary judgments about the inputs to its models, such as the volatility
of the closing value of the underlying, the dividend yield on the underlying and interest rates. CGMI&rsquo;s views on these inputs may
differ from your or others&rsquo; views, and as an underwriter in this offering, CGMI&rsquo;s interests may conflict with yours. Both
the models and the inputs to the models may prove to be wrong and therefore not an accurate reflection of the value of the securities.
Moreover, the estimated value of the securities set forth on the cover page of this pricing supplement may differ from the value that
we or our affiliates may determine for the securities for other purposes, including for accounting purposes. You should not invest in
the securities because of the estimated value of the securities. Instead, you should be willing to hold the securities to maturity irrespective
of the initial estimated value.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The estimated value of the securities would be lower if it were calculated
based on our secondary market rate.</B> The estimated value of the securities included in this pricing supplement is calculated based
on our internal funding rate, which is the rate at which we are willing to borrow funds through the issuance of the securities. Our internal
funding rate is generally lower than our secondary market rate, which is the rate that CGMI will use in determining the value of the securities
for purposes of any purchases of the securities from you in the secondary market. If the estimated value included in this pricing supplement
were based on our secondary market rate, rather than our internal funding rate, it would likely be lower. We determine our internal funding
rate based on factors such as the costs associated with the securities, which are generally higher than the costs associated with conventional
debt securities, and our liquidity needs and preferences. Our internal funding rate is not an interest rate that is payable on the securities.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Because there is not an active market for traded instruments
referencing our outstanding debt obligations, CGMI determines our secondary market rate based on the market price of traded instruments
referencing the debt obligations of Citigroup Inc., our parent company and the guarantor of all payments due on the securities, but subject
to adjustments that CGMI makes in its sole discretion. As a result, our secondary market rate is not a market-determined measure of our
creditworthiness, but rather reflects the market&rsquo;s perception of our parent company&rsquo;s creditworthiness as adjusted for discretionary
factors such as CGMI&rsquo;s preferences with respect to purchasing the securities prior to maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The estimated value of the securities is not an indication of the price,
if any, at which CGMI or any other person may be willing to buy the securities from you in the secondary market.</B> Any such secondary
market price will fluctuate over the term of the securities based on the market and other factors described in the next risk factor. Moreover,
unlike the estimated value included in this pricing supplement, any value of the securities determined for purposes of a secondary market
transaction will be based on our secondary market rate, which will likely result in a lower value for the securities than if our internal
funding rate were used. In addition, any secondary market price for the securities will be reduced by a bid-ask spread, which may vary
depending on the aggregate stated principal amount of the securities to be purchased in the secondary market transaction, and the expected
cost of unwinding related hedging transactions. As a result, it is likely that any secondary market price for the securities will be less
than the issue price.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The value of the securities prior to maturity will fluctuate based on many
unpredictable factors.</B> The value of your securities prior to maturity will fluctuate based on the closing value of the underlying,
the volatility of the closing value of the underlying, the dividend yield on the underlying, interest rates generally, the time remaining
to maturity and our and Citigroup Inc.&rsquo;s creditworthiness, as reflected in our secondary market rate, among other factors described
under &ldquo;Risk Factors Relating to the Notes&mdash;Risk Factors Relating to All Notes&mdash;The value of your notes prior to maturity
will fluctuate based on many unpredictable factors&rdquo; in the accompanying product supplement. Changes in the closing value of the
underlying may not result in a comparable change in the value of your securities. You should understand that the value of your securities
at any time prior to maturity may be significantly less than the issue price.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Immediately following issuance, any secondary market bid price provided
by CGMI, and the value that will be indicated on any brokerage account statements prepared by CGMI or its affiliates, will reflect a temporary
upward adjustment.</B> The amount of this temporary upward adjustment will steadily decline to zero over the temporary adjustment period.
See &ldquo;Valuation of the Securities&rdquo; in this pricing supplement.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Our offering of the securities is not a recommendation of the underlying.</B>
The fact that we are offering the securities does not mean that we believe that investing in an instrument linked to the underlying is
likely to achieve favorable returns. In fact, as we are part of a global financial institution, our affiliates may have positions (including
short positions) in the underlying or in instruments related to the </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="color: rgb(41,109,193)">&nbsp;</FONT></TD><TD STYLE="text-align: right; font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="font-size: 10pt; color: rgb(41,109,193)">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">underlying, and may publish research or express opinions,
that in each case are inconsistent with an investment linked to the underlying. These and other activities of our affiliates may affect
the closing value of the underlying in a way that negatively affects the value of and your return on the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The closing value of the underlying may be adversely affected by our or
our affiliates&rsquo; hedging and other trading activities.</B> We have hedged our obligations under the securities through CGMI or other
of our affiliates, who have taken positions in the underlying or in financial instruments related to the underlying and may adjust such
positions during the term of the securities. Our affiliates also take positions in the underlying or in financial instruments related
to the underlying on a regular basis (taking long or short positions or both), for their accounts, for other accounts under their management
or to facilitate transactions on behalf of customers. These activities could affect the closing value of the underlying in a way that
negatively affects the value of and your return on the securities. They could also result in substantial returns for us or our affiliates
while the value of the securities declines.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>We and our affiliates may have economic interests that are adverse to yours
as a result of our affiliates&rsquo; business activities.</B> Our affiliates engage in business activities with a wide range of companies.
These activities include extending loans, making and facilitating investments, underwriting securities offerings and providing advisory
services. These activities could involve or affect the underlying in a way that negatively affects the value of and your return on the
securities. They could also result in substantial returns for us or our affiliates while the value of the securities declines. In addition,
in the course of this business, we or our affiliates may acquire non-public information, which will not be disclosed to you.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The calculation agent, which is an affiliate of ours, will make important
determinations with respect to the securities.</B> If certain events occur during the term of the securities, such as market disruption
events and other events with respect to the underlying, CGMI, as calculation agent, will be required to make discretionary judgments that
could significantly affect your return on the securities. In making these judgments, the calculation agent&rsquo;s interests as an affiliate
of ours could be adverse to your interests as a holder of the securities. See &ldquo;Risk Factors Relating to the Notes&mdash;Risk Factors
Relating to All Notes&mdash;The calculation agent, which is an affiliate of ours, will make important determinations with respect to the
notes&rdquo; in the accompanying product supplement.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Risks Relating to the S&amp;P 500 Futures 35% Edge Volatility 6%
Decrement Index (USD) ER</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following discussion of risks relating to the S&amp;P 500 Futures
35% Edge Volatility 6% Decrement Index (USD) ER, which we refer to in this section as the &ldquo;Index&rdquo;, should be read together
with the description of the Index in Annex A to this pricing supplement, which defines and further describes a number of the terms and
concepts referred to in this section.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index is highly risky because it may reflect highly leveraged exposure
to the Underlying Futures Index and may therefore experience a decline that is many multiples of any decline in the Underlying Futures
Index.</B> The Index tracks exposure to the S&amp;P 500 Futures Excess Return Index (which we refer to as the &ldquo;Underlying Futures
Index&rdquo;) on a volatility targeted basis, less a decrement of 6% per annum. The Index has a volatility target of 35%, which it attempts
to achieve by applying leverage to its exposure to the Underlying Futures Index (up to a maximum of 500%) when the implied volatility
of the S&amp;P 500<SUP>&reg;</SUP> Index is less than the volatility target, and by reducing its exposure to the Underlying Futures Index
below 100% when the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index is greater than the volatility target. It is expected
that the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index will frequently be less than the volatility target, and therefore
it is expected that the Index will frequently have leveraged (more than 100%) exposure to the Underlying Futures Index. If the Underlying
Futures Index declines at a time when the Index has leveraged exposure to it, the decline in the Index will be equal to the decline in
the Underlying Futures Index multiplied by the leverage (subject to further reduction as a result of the decrement). For example, if the
Underlying Futures Index declines by 5% at a time when the Index has 500% leveraged exposure to the Underlying Futures Index, the Index
will decline by 25% over that time (subject to further reduction as a result of the decrement). This potential for losses on a highly
leveraged basis makes the Index highly risky.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index may realize significant losses if it is not consistently successful
in increasing exposure to the Underlying Futures Index in advance of increases in the Underlying Futures Index and reducing exposure to
the Underlying Futures Index in advance of declines in the Underlying Futures Index.</B> The Index methodology is premised on the following
key assumptions: (1) that there will be an inverse relationship between performance and volatility, so that the Underlying Futures Index
will tend to increase in times of lower volatility and decline in times of higher volatility; (2) that the implied volatility of the S&amp;P
500<SUP>&reg;</SUP> Index, as derived from the market prices of exchange-traded options on the S&amp;P 500<SUP>&reg;</SUP> Index on each
weekly rebalancing date, will be an effective predictor of future volatility of the Underlying Futures Index over the next week; and (3)
that 35% will be an effective level of volatility at which to draw the line between leveraged exposure and deleveraged exposure to the
Underlying Futures Index. There is no guarantee that these assumptions will be proven correct over any given time period. If any of these
assumptions does not prove to be consistently correct, then the Index may perform poorly as a result of having highly leveraged exposure
to the Underlying Futures Index at a time of declines and/or having reduced exposure to the Underlying Futures Index at a time of increases.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index may be adversely affected by a time lag in its volatility targeting
mechanism.</B> The Index resets the leveraged exposure of each sub-index to the Underlying Futures Index on a weekly basis. If the implied
volatility of the S&amp;P 500<SUP>&reg;</SUP> Index at the rebalancing time on the rebalancing date for a given sub-index is relatively
low, that sub-index will retain relatively high leveraged exposure to the Underlying Futures Index for the next week even if the volatility
of the S&amp;P 500<SUP>&reg;</SUP> Index spikes and the Underlying Futures Index declines significantly in value immediately after the
rebalancing time on that rebalancing date. That sub-index may consequently have highly leveraged exposure to a week&rsquo;s worth of declines
in the value of the Underlying Futures Index before it has a chance to reset its leverage. In the case of a sudden increase in volatility
and a sudden decline in value, multiple sub-indexes may have highly leveraged exposure to declines over multiple days, and the Index may
experience poor performance as a result. Conversely, if significant appreciation in the Underlying Futures Index follows closely on a
period of high S&amp;P 500<SUP>&reg;</SUP> Index volatility, the time lag may cause the Index to have low exposure to the Underlying Futures
Index when that appreciation occurs. Taken together, these factors may cause the </FONT></TD></TR></TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Index to perform particularly poorly in a temporary market
crash &ndash; a sudden significant decline that is quickly reversed. In that scenario, the Index would participate on a highly leveraged
basis in the decline and then fail to participate fully in the recovery.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index may be adversely affected by a &ldquo;decay&rdquo; effect.</B>
If the Index is not consistently successful in increasing exposure to the Underlying Futures Index in advance of increases in the Underlying
Futures Index and reducing exposure to the Underlying Futures Index in advance of declines in the Underlying Futures Index, then the Index
is also expected to be subject to a &ldquo;decay&rdquo; effect, which will exacerbate the decline that results from having highly leveraged
exposure to declines in the Underlying Futures Index. The decay effect would result from the fact that each sub-index of the Index resets
its leveraged exposure to the Underlying Futures Index on a weekly basis, and would manifest any time the Underlying Futures Index moves
in one direction one week and another direction the next. The decay effect would result because resetting leverage after an increase but
in advance of a decline would cause the Index to have increased exposure to that decline, and resetting leverage following a decline but
in advance of an increase would cause the Index to have decreased exposure to that increase. The more this fact pattern repeats, the lower
the performance of the Index would be relative to the performance of the Underlying Futures Index.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Underlying Futures Index is expected to underperform the S&amp;P 500<SUP>&reg;</SUP>
Index because of an implicit financing cost.</B> The Underlying Futures Index is a futures-based index. As a futures-based index, it is
expected to reflect not only the performance of its reference index (the S&amp;P 500<SUP>&reg;</SUP> Index), but also the implicit cost
of a financed position in that reference index. The cost of this financed position will adversely affect the value of the Underlying Futures
Index. Any increase in market interest rates will be expected to further increase this implicit financing cost and will increase the negative
effect on the performance of the Underlying Futures Index. Because of this implicit financing cost, the Underlying Futures Index is expected
to underperform the total return performance of the S&amp;P 500<SUP>&reg;</SUP> Index.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The performance of the Index will be reduced by a decrement of 6% per annum.</B>
The Index is a decrement index, which means that the value of each sub-index of the Index will be reduced at a rate of 6% per annum. The
decrement will be a significant drag on the performance of the Index, potentially offsetting positive returns that would otherwise result
from the Index methodology, exacerbating negative returns of the Index methodology and causing the level of the Index to decline steadily
if the return of the Index methodology would otherwise be relatively flat. The Index will not appreciate unless the return of the Index
methodology is sufficient to offset the negative effects of the decrement, and then only to the extent that the return of the Index methodology
is greater than the decrement. As a result of the decrement, the level of the Index may decline even if the return of the Index methodology
would otherwise have been positive.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index may not fully participate in any appreciation of the Underlying
Futures Index.</B> At any time when the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index is greater than the volatility target,
the Index will have less than 100% exposure to the Underlying Futures Index and therefore will not fully participate in any appreciation
of the Underlying Futures Index. For example, if the Index has 50% exposure to the Underlying Futures Index at a time when the Underlying
Futures Index appreciates by 5%, the Index would appreciate by only 2.5% (before giving effect to the decrement). The decrement is deducted
daily at a rate of 6% per annum even when the Index has less than 100% exposure to the Underlying Futures Index.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index may perform less favorably than it would if its volatility targeting
mechanism were based on an alternative volatility measure, such as actual realized volatility, rather than implied volatility.</B> The
Index attempts to achieve its volatility target by adjusting its exposure to the Underlying Futures Index based on the implied volatility
of the S&amp;P 500<SUP>&reg;</SUP> Index. Implied volatility represents market expectations of future volatility as derived from the price
of exchange-traded options on the S&amp;P 500<SUP>&reg;</SUP> Index. Market expectations of future volatility may not accurately forecast
future volatility. Accordingly, relying on implied volatility may cause the Index to be less successful in maintaining its volatility
target than it would have been if it had relied instead on an alternative measure of volatility, such as actual realized volatility. As
a result, the Index may have lower participation in Underlying Futures Index increases, and greater participation in Underlying Futures
Index declines, resulting in less favorable overall Index performance, than it would have had if another measure of volatility had been
used.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index may significantly underperform the S&amp;P 500<SUP>&reg;</SUP>
Index.</B> It is important to understand that the Index provides exposure to the S&amp;P 500<SUP>&reg;</SUP> Index that: (1) may be leveraged
up to 500%, or alternatively may reflect less than 100% participation; (2) is reduced by an implicit financing cost; (3) may be subject
to a decay effect; and (4) is reduced by a decrement of 6% per annum. As a result of these features, the Index may significantly underperform
the S&amp;P 500<SUP>&reg;</SUP> Index. The Index is likely to significantly underperform the S&amp;P 500<SUP>&reg;</SUP> Index if it is
not consistently successful in increasing exposure to the Underlying Futures Index in advance of increases in the Underlying Futures Index
and reducing exposure to the Underlying Futures Index in advance of declines in the Underlying Futures Index. The Index may significantly
underperform the S&amp;P 500<SUP>&reg;</SUP> Index even if it is consistently successful in these respects because of the implicit financing
cost and the decrement, or because the reduced exposure the Index has to the Underlying Futures Index at a time of a decline may nevertheless
reflect significantly greater than 100% participation in the decline of the Underlying Futures Index.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Index has limited actual performance information.</B> The Index launched
on May 10, 2024. Accordingly, the Index has limited actual performance data. Because the Index is of recent origin with limited performance
history, an investment linked to the Index may involve a greater risk than an investment linked to one or more indices with an established
record of performance. A longer history of actual performance may have provided more reliable information on which to assess the validity
of the Index&rsquo;s methodology. However, any historical performance of the Index is not an indication of how the Index will perform
in the future.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Hypothetical back-tested Index performance information is subject to significant
limitations.</B> All information regarding the performance of the Index prior to May 10, 2024 is hypothetical and back-tested, as the
Index did not exist prior to that time. It is important to understand that hypothetical back-tested Index performance information is subject
to significant limitations, in addition to the fact that past performance is never a guarantee of future performance. In particular:</FONT></TD></TR></TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 60.6pt"></TD><TD STYLE="width: 18pt">o</TD><TD>The sponsor of the Index developed the rules of the Index with the benefit of hindsight&mdash;that is, with the benefit of being able
to evaluate how the Index rules would have caused the Index to perform had it existed during the hypothetical back-tested period. The
fact that the Index generally appreciated over any portion of the hypothetical back-tested period may not therefore be an accurate or
reliable indication of any fundamental aspect of the Index methodology.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 60.6pt"></TD><TD STYLE="width: 18pt">o</TD><TD>The hypothetical back-tested performance of the Index might look different if it covered a different historical period. The market
conditions that existed during the historical period covered by the hypothetical back-tested Index performance information are not necessarily
representative of the market conditions that will exist in the future.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 60.6pt"></TD><TD STYLE="width: 18pt">o</TD><TD>SPXW options were not published as frequently prior to May 11, 2022 as they are now, and as a result the calculation of the hypothetical
back-tested values of the Index prior to that date differs from the calculation of the Index today. The hypothetical back-tested performance
of the Index prior to May 11, 2022 may therefore differ from how the Index would have performed if SPXW options had been available with
expirations on every weekday, as they are now.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">It is impossible to predict whether the Index will rise or
fall. The actual future performance of the Index may bear no relation to the historical or hypothetical back-tested levels of the Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>An affiliate of ours participated in the development of the Index.</B>
CGMI worked with the sponsor of the Index in developing the guidelines and policies governing the composition and calculation of the Index,
and in that role made judgments and determinations about the Index methodology. Although CGMI no longer has a role in making any judgments
and determinations relating to the Index, the judgments and determinations previously made by CGMI could continue to have an impact, positive
or negative, on the level of the Index and the value of your securities. CGMI was under no obligation to consider your interests as an
investor in the securities in its role in developing the guidelines and policies governing the Index.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Changes that affect the Index may affect the value of your securities.</B>
The sponsor of the Index may at any time make methodological changes or other changes in the manner in which it operates that could affect
the value of the Index. We are not affiliated with the Index sponsor and, accordingly, we have no control over any changes such sponsor
may make. Such changes could adversely affect the performance of the Index and the value of and your return on the securities.</FONT></TD></TR></TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Wingdings"></P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Additional Terms of the Securities</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Market disruption events.</B> For purposes of determining whether
a market disruption event occurs with respect to the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER, each reference
to the &ldquo;Underlying Index&rdquo; in the section &ldquo;Description of the Notes&mdash;Certain Additional Terms for Notes Linked to
an Underlying Index&mdash;Consequences of a Market Disruption Event; Postponement of a Valuation Date&rdquo; in the accompanying product
supplement shall be deemed replaced with a reference to the &ldquo;Underlying Index or its Reference Index&rdquo;. The reference index
with respect to the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER is specified in Annex A to this pricing supplement.
References in the section &ldquo;Description of the Notes&mdash;Certain Additional Terms for Notes Linked to an Underlying Index&mdash;Consequences
of a Market Disruption Event; Postponement of a Valuation Date&rdquo; in the accompanying product supplement to the securities comprising
an Underlying Index shall be deemed to include futures contracts comprising an Underlying Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Information About the S&amp;P 500 Futures 35% Edge Volatility
6% Decrement Index (USD) ER</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For information about the S&amp;P 500 Futures 35% Edge Volatility 6%
Decrement Index (USD) ER, see Annex A to this pricing supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Hypothetical Back-tested and Historical Performance Information</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This section contains hypothetical back-tested performance information
for the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER calculated by S&amp;P Dow Jones Indices LLC. All S&amp;P 500
Futures 35% Edge Volatility 6% Decrement Index (USD) ER performance information prior to May 10, 2024 is hypothetical and back-tested,
as the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER did not exist prior to that date. Hypothetical back-tested
performance information is subject to significant limitations. The sponsor of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement
Index (USD) ER developed the rules of the index with the benefit of hindsight&mdash;that is, with the benefit of being able to evaluate
how the rules would have caused the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER to perform had it existed during
the hypothetical back-tested period. The fact that the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER appreciated
at any time during the hypothetical back-tested period may not therefore be an accurate or reliable indication of any fundamental aspect
of the index methodology. Furthermore, the hypothetical back-tested performance of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement
Index (USD) ER might look different if it covered a different historical period. The market conditions that existed during the hypothetical
back-tested period may not be representative of market conditions that will exist in the future.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In addition, the SPXW options used by the S&amp;P 500 Futures 35% Edge
Volatility 6% Decrement Index (USD) ER to determine the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index have traded with expirations
on every weekday only since May 11, 2022. When SPXW options were first launched in 2005, only Friday expirations were available. Wednesday
expirations were added on February 23, 2016; Monday expirations were added on August 15, 2016; Tuesday expirations were added on April
18, 2022; and Thursday expirations were added on May 11, 2022. For purposes of calculating the hypothetical back-tested performance of
the Index, the implied volatility for the one-week period ending on a weekday for which no SPXW option was then traded was calculated
by interpolating between the SPXW options expiring immediately before and immediately after that weekday. In addition, on September 30,
2016, due to data availability, the closing level of the S&amp;P 500 Futures Excess Return Index on that day was used in lieu of its time-weighted
average value. For these reasons, the hypothetical back-tested performance of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement
Index (USD) ER prior to May 11, 2022 may differ from how the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER would
have performed if SPXW options had been available with expirations on every weekday, as they are now, and if the time-weighted average
value of the S&amp;P 500 Futures Excess Return Index had been available on September 30, 2016.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">It is impossible to predict whether the S&amp;P 500 Futures 35% Edge
Volatility 6% Decrement Index (USD) ER will rise or fall. By providing the hypothetical back-tested and historical performance information
below, we are not representing that the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER is likely to achieve gains
or losses similar to those shown. In fact, there are frequently sharp differences between hypothetical performance results and the actual
results subsequently achieved by any particular investment. One of the limitations of hypothetical performance information is that it
did not involve financial risk and cannot account for all factors that would affect actual performance. The actual future performance
of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER may bear no relation to its hypothetical back-tested or historical
performance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Historical Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The closing value of the S&amp;P 500 Futures 35% Edge Volatility 6%
Decrement Index (USD) ER on September 25, 2025 was 498.6922.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The graph below shows the hypothetical back-tested closing values of
the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER for the period from January 2, 2015 to May 9, 2024, and historical
closing values of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER for the period from May 10, 2024 to September
25, 2025. All data to the left of the vertical red line in the graph below are hypothetical and back-tested. We obtained the closing values
from Bloomberg L.P., without independent verification. <B>You should not take the hypothetical back-tested and historical values of the
S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER as an indication of future performance.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="padding-top: 4pt; width: 100%; border: #2292D0 1pt solid; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER &ndash; Hypothetical Back-Tested and Historical Closing Values</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><BR>
</FONT></B><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0">January 2, 2015 to September 25, 2025</FONT></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #2292D0 1pt solid; border-bottom: #2292D0 1pt solid; border-left: #2292D0 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_011.jpg" ALT="" STYLE="height: 315px; width: 577px"></FONT></TD></TR>
  </TABLE>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="color: rgb(41,109,193)">&nbsp;</FONT></TD><TD STYLE="text-align: right; font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="font-size: 10pt; color: rgb(41,109,193)">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">United States Federal Tax Considerations</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of our tax counsel, Davis Polk &amp; Wardwell LLP, the
notes will be treated as debt for U.S. federal income tax purposes. Due to the lack of governing authority, there is uncertainty regarding
whether the notes should be treated for U.S. federal income tax purposes as &ldquo;contingent payment debt instruments&rdquo; or &ldquo;variable
rate debt instruments.&rdquo; Based on current market conditions, we intend to treat the notes for U.S. federal income tax purposes as
&ldquo;contingent payment debt instruments.&rdquo; The remaining discussion is based on this treatment, except as otherwise noted. You
should review carefully the section of the accompanying product supplement called &ldquo;United States Federal Tax Considerations&mdash;Tax
Consequences to U.S. Holders&mdash;Notes Treated as Contingent Payment Debt Instruments.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If you are a U.S. Holder (as defined in the accompanying product supplement),
you will be required to recognize interest income at the &ldquo;comparable yield,&rdquo; which generally is the yield at which we could
issue a fixed-rate debt instrument with terms similar to those of the notes, including the level of subordination, term, timing of payments
and general market conditions, but excluding any adjustments for the riskiness of the contingencies or the liquidity of the notes. Although
it is not clear how the comparable yield should be determined for notes that may be automatically redeemed before maturity, our determination
of the comparable yield is based on the maturity date. We are required to construct a &ldquo;projected payment schedule&rdquo; in respect
of the notes representing a payment or a series of payments the amount and timing of which would produce a yield to maturity on the notes
equal to the comparable yield.&nbsp;&nbsp;The amount of interest you include in income in each taxable year based on the comparable yield
will be adjusted upward or downward to reflect the difference, if any, between the actual and projected payments on the notes as determined
under the projected payment schedule.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We have determined that the comparable yield for a note is a rate of
4.774%, compounded monthly, and that the projected payment schedule with respect to a note consists of the following payments (subject
to the applicable business day convention):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 21%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2025</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$8.408</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.266</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2030</FONT></TD>
    <TD STYLE="width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.243</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2033</FONT></TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.677</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2025</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$8.257</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.216</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2030</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.223</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.664</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2025</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7.939</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.169</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2030</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.198</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.655</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7.635</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.122</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.170</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.634</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7.303</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.088</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.142</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.629</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7.032</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.036</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.128</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.613</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$6.789</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.001</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.221</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.601</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$6.571</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.937</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.088</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.584</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$6.380</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.916</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.071</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.576</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$6.189</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.886</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.049</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.556</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$6.035</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.846</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.026</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.528</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.877</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.815</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.005</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.521</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.740</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.765</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.987</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.522</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.590</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.738</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.964</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.497</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2026</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.506</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.710</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2031</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.949</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.495</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.380</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.669</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.931</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.471</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.275</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.626</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 29, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.908</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.460</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.180</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.587</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.889</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.461</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.095</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.568</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.883</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.434</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.991</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.533</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.857</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.413</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.928</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2029</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.504</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.832</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2034</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.411</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.856</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.452</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.819</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.391</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.763</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.431</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.806</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.394</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="color: rgb(41,109,193)">&nbsp;</FONT></TD><TD STYLE="text-align: right; font-size: 10pt; color: #59AE43; width: 50%"><FONT STYLE="font-size: 10pt; color: rgb(41,109,193)">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 21%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.715</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.423</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2032</FONT></TD>
    <TD STYLE="width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.788</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2035</FONT></TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.380</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.635</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.388</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.775</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">April 30, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.381</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.553</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.364</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">November 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.762</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">May 30, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.351</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2027</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.514</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.339</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 30, 2032</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.749</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.354</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.447</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.314</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.705</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">July 30, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.354</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 29, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.362</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.287</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">February 28, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.724</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">August 30, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.340</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2028</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.351</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2030</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.263</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 30, 2033</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.695</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">October 1, 2035</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,002.317</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Neither the comparable yield nor the projected payment schedule constitutes
a representation by us regarding the actual amounts that we will pay on the notes. </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Upon the sale or exchange of the notes (including retirement upon early
redemption or at maturity), you generally will recognize gain or loss equal to the difference between the proceeds received and your adjusted
tax basis in the notes.&nbsp;&nbsp;Your adjusted tax basis will equal your purchase price for the notes, increased by interest income
previously included on the notes (without regard to the adjustments described above) and decreased by prior payments according to the
projected payment schedule.&nbsp;&nbsp;Any gain generally will be treated as ordinary income, and any loss generally will be treated as
ordinary loss to the extent of prior net interest inclusions on the note and as capital loss thereafter.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Possible Alternative Tax Treatment of an Investment in the Notes</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As noted above, if the notes were not treated as contingent payment
debt instruments, they would instead be subject to Treasury regulations governing &ldquo;variable rate debt instruments,&rdquo; as described
in the section of the accompanying product supplement called &ldquo;United States Federal Tax Considerations&horbar;Tax Consequences to
U.S. Holders&mdash;Notes Treated as Variable Rate Debt Instruments.&rdquo; If the notes were treated as variable rate debt instruments,
a U.S. Holder would (i) recognize stated interest as ordinary interest income at the time it accrues or is received, in accordance with
the holder&rsquo;s method of tax accounting, and (ii) recognize capital gain or loss upon the sale or other taxable disposition of the
note.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Non-U.S. Holders.</B> Subject to the discussions below regarding
Section 871(m) and in &ldquo;United States Federal Tax Considerations&mdash;Tax Consequences to Non-U.S. Holders&rdquo; and &ldquo;&mdash;FATCA&rdquo;
in the accompanying product supplement, if you are a Non-U.S. Holder (as defined in the accompanying product supplement) of the notes,
under current law you generally will not be subject to U.S. federal withholding or income tax in respect of any payment on or any amount
received on the sale, exchange, redemption or retirement of the notes, provided that (i) income in respect of the notes is not effectively
connected with your conduct of a trade or business in the United States, and (ii) you comply with the applicable certification requirements.&nbsp;&nbsp;See
&ldquo;United States Federal Tax Considerations&mdash;Tax Consequences to Non-U.S. Holders&rdquo; in the accompanying product supplement
for a more detailed discussion of the rules applicable to Non-U.S. Holders of the notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As discussed under &ldquo;United States Federal Tax Considerations&mdash;Tax
Consequences to Non-U.S. Holders&rdquo; in the accompanying product supplement, Section 871(m) of the Internal Revenue Code of 1986, as
amended, and Treasury regulations promulgated thereunder (&ldquo;Section 871(m)&rdquo;) generally impose a 30% withholding tax on dividend
equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities (&ldquo;Underlying
Securities&rdquo;) or indices that include Underlying Securities.&nbsp;&nbsp;Section 871(m) generally applies to instruments that substantially
replicate the economic performance of one or more Underlying Securities, as determined based on tests set forth in the applicable Treasury
regulations.&nbsp;&nbsp;However, the regulations, as modified by an Internal Revenue Service (&ldquo;IRS&rdquo;) notice, exempt financial
instruments issued prior to January 1, 2027 that do not have a &ldquo;delta&rdquo; of one.&nbsp;&nbsp;Based on the terms of the notes
and representations provided by us, our tax counsel is of the opinion that the notes should not be treated as transactions that have a
&ldquo;delta&rdquo; of one within the meaning of the regulations with respect to any Underlying Security and, therefore, should not be
subject to withholding tax under Section 871(m).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">A determination that the notes are not subject to Section 871(m) is
not binding on the IRS, and the IRS may disagree with this treatment.&nbsp;&nbsp;Moreover, Section 871(m) is complex and its application
may depend on your particular circumstances, including your other transactions.&nbsp;&nbsp;You should consult your tax adviser regarding
the potential application of Section 871(m) to the notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If withholding tax applies to the notes, we will not be required to
pay any additional amounts with respect to amounts withheld.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You should read the section entitled &ldquo;United States Federal
Tax Considerations&rdquo; in the accompanying product supplement.&nbsp;&nbsp;The preceding discussion, when read in combination with that
section, constitutes the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of owning
and disposing of the notes.&nbsp;&nbsp; </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You should also consult your tax adviser regarding all aspects of
the U.S. federal tax consequences of an investment in the notes and any tax consequences arising under the laws of any state, local or
non-U.S. taxing jurisdiction.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Supplemental Plan of Distribution</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI, an affiliate of Citigroup Global Markets Holdings Inc. and the
underwriter of the sale of the securities, is acting as principal and will receive an underwriting fee of $50.00 for each security sold
in this offering. From this underwriting fee, CGMI will pay selected dealers not affiliated with</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI a fixed selling concession of $50.00 for each security they sell.
For the avoidance of doubt, any fees or selling concessions described in this pricing supplement will not be rebated if the securities
are automatically redeemed prior to maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">See &ldquo;Plan of Distribution; Conflicts of Interest&rdquo; in the
accompanying product supplement and &ldquo;Plan of Distribution&rdquo; in each of the accompanying prospectus supplement and prospectus
for additional information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Valuation of the Securities</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI calculated the estimated value of the securities set forth on the
cover page of this pricing supplement based on proprietary pricing models. CGMI&rsquo;s proprietary pricing models generated an estimated
value for the securities by estimating the value of a hypothetical package of financial instruments that would replicate the payout on
the securities, which consists of a fixed-income bond (the &ldquo;bond component&rdquo;) and one or more derivative instruments underlying
the economic terms of the securities (the &ldquo;derivative component&rdquo;). CGMI calculated the estimated value of the bond component
using a discount rate based on our internal funding rate. CGMI calculated the estimated value of the derivative component based on a proprietary
derivative-pricing model, which generated a theoretical price for the instruments that constitute the derivative component based on various
inputs, including the factors described under &ldquo;Summary Risk Factors&mdash;The value of the securities prior to maturity will fluctuate
based on many unpredictable factors&rdquo; in this pricing supplement, but not including our or Citigroup Inc.&rsquo;s creditworthiness.
These inputs may be market-observable or may be based on assumptions made by CGMI in its discretionary judgment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For a period of approximately twelve months following issuance of the
securities, the price, if any, at which CGMI would be willing to buy the securities from investors, and the value that will be indicated
for the securities on any brokerage account statements prepared by CGMI or its affiliates (which value CGMI may also publish through one
or more financial information vendors), will reflect a temporary upward adjustment from the price or value that would otherwise be determined.
This temporary upward adjustment represents a portion of the hedging profit expected to be realized by CGMI or its affiliates over the
term of the securities. The amount of this temporary upward adjustment will decline to zero on a straight-line basis over the twelve-month
temporary adjustment period. However, CGMI is not obligated to buy the securities from investors at any time.&nbsp;&nbsp;See &ldquo;Summary
Risk Factors&mdash;The securities will not be listed on any securities exchange and you may not be able to sell them prior to maturity.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Validity of the Securities</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of Davis Polk &amp; Wardwell LLP, as special products
counsel to Citigroup Global Markets Holdings Inc., when the securities offered by this pricing supplement have been executed and issued
by Citigroup Global Markets Holdings Inc. and authenticated by the trustee pursuant to the indenture, and delivered against payment therefor,
such securities and the related guarantee of Citigroup Inc. will be valid and binding obligations of Citigroup Global Markets Holdings
Inc. and Citigroup Inc., respectively, enforceable in accordance with their respective terms, subject to applicable bankruptcy, insolvency
and similar laws affecting creditors&rsquo; rights generally, concepts of reasonableness and equitable principles of general applicability
(including, without limitation, concepts of good faith, fair dealing and the lack of bad faith), provided that such counsel expresses
no opinion as to the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law on the conclusions expressed
above. This opinion is given as of the date of this pricing supplement and is limited to the laws of the State of New York, except that
such counsel expresses no opinion as to the application of state securities or Blue Sky laws to the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In giving this opinion, Davis Polk &amp; Wardwell LLP has assumed the
legal conclusions expressed in the opinions set forth below of Alexia Breuvart, Secretary and General Counsel of Citigroup Global Markets
Holdings Inc., and Karen Wang, Senior Vice President &ndash; Corporate Securities Issuance Legal of Citigroup Inc.&nbsp;&nbsp;In addition,
this opinion is subject to the assumptions set forth in the letter of Davis Polk &amp; Wardwell LLP dated February 14, 2024, which has
been filed as an exhibit to a Current Report on Form 8-K filed by Citigroup Inc. on February 14, 2024, that the indenture has been duly
authorized, executed and delivered by, and is a valid, binding and enforceable agreement of, the trustee and that none of the terms of
the securities nor the issuance and delivery of the securities and the related guarantee, nor the compliance by Citigroup Global Markets
Holdings Inc. and Citigroup Inc. with the terms of the securities and the related guarantee respectively, will result in a violation of
any provision of any instrument or agreement then binding upon Citigroup Global Markets Holdings Inc. or Citigroup Inc., as applicable,
or any restriction imposed by any court or governmental body having jurisdiction over Citigroup Global Markets Holdings Inc. or Citigroup
Inc., as applicable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of Alexia Breuvart, Secretary and General Counsel of
Citigroup Global Markets Holdings Inc., (i) the terms of the securities offered by this pricing supplement have been duly established
under the indenture and the Board of Directors (or a duly authorized committee thereof) of Citigroup Global Markets Holdings Inc. has
duly authorized the issuance and sale of such securities and such authorization has not been modified or rescinded; (ii) Citigroup Global
Markets Holdings Inc. is validly existing and in good standing under the laws of the State of New York; (iii) the indenture has been duly
authorized, executed and delivered by Citigroup Global Markets Holdings Inc.; and (iv) the execution and delivery of such indenture and
of the securities offered by this pricing supplement by Citigroup Global Markets Holdings Inc., and the performance by Citigroup Global
Markets Holdings Inc. of its obligations thereunder, are within its corporate powers and do not contravene its certificate of incorporation
or bylaws or other constitutive documents. This opinion is given as of the date of this pricing supplement and is limited to the laws
of the State of New York.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Alexia Breuvart, or other internal attorneys with whom she has consulted,
has examined and is familiar with originals, or copies certified or otherwise identified to her satisfaction, of such corporate records
of Citigroup Global Markets Holdings Inc., certificates or documents as she has deemed appropriate as a basis for the opinions expressed
above. In such examination, she or such persons has assumed the legal capacity of all natural persons, the genuineness of all signatures
(other than those of officers of Citigroup Global Markets Holdings Inc.), the authenticity of all documents submitted to her or such persons
as originals, the conformity to original documents of all documents submitted to her or such persons as certified or photostatic copies
and the authenticity of the originals of such copies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of Karen Wang, Senior Vice President &ndash; Corporate
Securities Issuance Legal of Citigroup Inc., (i) the Board of Directors (or a duly authorized committee thereof) of Citigroup Inc. has
duly authorized the guarantee of such securities by Citigroup Inc. and such authorization has not been modified or rescinded; (ii) Citigroup
Inc. is validly existing and in good standing under the laws of the State of Delaware; (iii) the indenture has been duly authorized, executed
and delivered by Citigroup Inc.; and (iv) the execution and delivery of such indenture, and the performance by Citigroup Inc. of its obligations
thereunder, are within its corporate powers and do not contravene its certificate of incorporation or bylaws or other constitutive documents.&nbsp;&nbsp;This
opinion is given as of the date of this pricing supplement and is limited to the General Corporation Law of the State of Delaware.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Karen Wang, or other internal attorneys with whom she has consulted,
has examined and is familiar with originals, or copies certified or otherwise identified to her satisfaction, of such corporate records
of Citigroup Inc., certificates or documents as she has deemed appropriate as a basis for the opinions expressed above. In such examination,
she or such persons has assumed the legal capacity of all natural persons, the genuineness of all signatures (other than those of officers
of Citigroup Inc.), the authenticity of all documents submitted to her or such persons as originals, the conformity to original documents
of all documents submitted to her or such persons as certified or photostatic copies and the authenticity of the originals of such copies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Contact</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Clients may contact their local brokerage representative. Third-party
distributors may contact Citi Structured Investment Sales at (212) 723-7005.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&copy; 2025 Citigroup Global Markets Inc. All rights reserved. Citi
and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the
world.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Annex A<BR>
Description of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Overview</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD)
ER, which we refer to in this Annex as the &ldquo;<B>Index</B>&rdquo;, is calculated, maintained and published by S&amp;P Dow Jones Indices
LLC. All information contained in this pricing supplement regarding the Index has been derived from information provided by S&amp;P Dow
Jones Indices LLC. This information reflects the policies of, and is subject to change by, S&amp;P Dow Jones Indices LLC. S&amp;P Dow
Jones Indices LLC has no obligation to continue to publish, and may discontinue publication of, the Index. The securities represent obligations
of Citigroup Global Markets Holdings Inc. (guaranteed by Citigroup Inc.) only. S&amp;P Dow Jones Indices LLC is not involved in any way
in this offering and has no obligation relating to the securities or to holders of the securities. The Index was first published on May
10, 2024, and therefore has a limited performance history.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index tracks exposure to the S&amp;P 500 Futures Excess Return Index
(which we refer to as the &ldquo;<B>Underlying Futures Index</B>&rdquo;) on a volatility targeted basis, less a decrement of 6% per annum.
The Index has a volatility target of 35%, which it attempts to achieve by applying leverage to its exposure to the Underlying Futures
Index (up to a maximum of 500%) when the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index is less than the volatility target,
and by reducing its exposure to the Underlying Futures Index below 100% when the implied volatility of the S&amp;P 500<SUP>&reg;</SUP>
Index is greater than the volatility target.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Futures Index tracks the performance of a hypothetical
investment, rolled quarterly, in futures contracts on the S&amp;P 500<SUP>&reg;</SUP> Index, and accordingly is expected to reflect the
performance of the S&amp;P 500<SUP>&reg;</SUP> Index less an implicit financing cost, as described in more detail in Annex B to this pricing
supplement. The S&amp;P 500<SUP>&reg;</SUP> Index consists of the common stocks of 500 issuers selected to provide a performance benchmark
for the large capitalization segment of the U.S. equity market. For more information about the S&amp;P 500<SUP>&reg;</SUP> Index, see
&ldquo;Equity Index Descriptions&mdash;The S&amp;P U.S. Indices&rdquo; in the accompanying underlying supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index methodology is premised on the following key assumptions:
(1) that there will be an inverse relationship between performance and volatility, so that the Underlying Futures Index will tend to increase
in times of lower volatility and decline in times of higher volatility; (2) that the implied volatility of the S&amp;P 500<SUP>&reg;</SUP>
Index, as derived from the market prices of exchange-traded options on the S&amp;P 500<SUP>&reg;</SUP> Index on each weekly rebalancing
date, will be an effective predictor of future volatility of the Underlying Futures Index over the next week; and (3) that 35% will be
an effective level of volatility at which to draw the line between leveraged exposure and deleveraged exposure to the Underlying Futures
Index. If these assumptions prove to be consistently correct, then the Index has the potential to outperform the Underlying Futures Index
by participating in increases on a leveraged basis and declines on a deleveraged basis. There is no guarantee, however, that these assumptions
will be proven correct over any given time period. If any of these assumptions does not prove to be consistently correct, then the Index
may perform poorly as a result of having highly leveraged exposure to the Underlying Futures Index at a time of declines and/or having
reduced exposure to the Underlying Futures Index at a time of increases.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the Index is not consistently successful in increasing exposure to
the Underlying Futures Index in advance of increases in the Underlying Futures Index and reducing exposure to the Underlying Futures Index
in advance of declines in the Underlying Futures Index, then the Index is also expected to be subject to a &ldquo;decay&rdquo; effect,
which will exacerbate the decline in the Index that results from having highly leveraged exposure to declines in the Underlying Futures
Index. The decay effect would result from the fact that each sub-index of the Index resets its leveraged exposure to the Underlying Futures
Index on a weekly basis (as described in more detail below), and would manifest any time the Underlying Futures Index moves in one direction
one week and another direction the next. The decay effect would result because resetting leverage after an increase but in advance of
a decline would cause the Index to have increased exposure to that decline, and resetting leverage following a decline but in advance
of an increase would cause the Index to have decreased exposure to that increase. The more this fact pattern repeats, the lower the performance
of the Index would be relative to the performance of the Underlying Futures Index.It is important to understand that the Index provides
exposure to the S&amp;P 500<SUP>&reg;</SUP> Index that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.2pt"></TD><TD STYLE="width: 18pt">1.</TD><TD>may be leveraged up to 500%, or alternatively may reflect less than 100% participation;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.2pt"></TD><TD STYLE="width: 18pt">2.</TD><TD>is reduced by an implicit financing cost;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.2pt"></TD><TD STYLE="width: 18pt">3.</TD><TD>may be subject to a decay effect; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.2pt"></TD><TD STYLE="width: 18pt">4.</TD><TD>is reduced by a decrement of 6% per annum.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As a result of these features, the Index may significantly underperform
the S&amp;P 500<SUP>&reg;</SUP> Index. The Index is likely to significantly underperform the S&amp;P 500<SUP>&reg;</SUP> Index if it is
not consistently successful in increasing exposure to the Underlying Futures Index in advance of increases in the Underlying Futures Index
and reducing exposure to the Underlying Futures Index in advance of declines in the Underlying Futures Index. The Index may significantly
underperform the S&amp;P 500<SUP>&reg;</SUP> Index even if it is consistently successful in these respects because of the implicit financing
cost and the decrement, or because the reduced exposure the Index has to the Underlying Futures Index at a time of a decline may nevertheless
reflect significantly greater than 100% participation in the decline of the Underlying Futures Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Certain features of the Index &ndash; including the fact that it references
the Underlying Futures Index, and not the S&amp;P 500<SUP>&reg;</SUP> Index directly, and the decrement of&nbsp;&nbsp;6% per annum &ndash;
are designed to reduce the cost to us and our affiliates of hedging transactions that we intend to enter into in connection with the securities
as compared to an otherwise comparable index without these features. These features will reduce the performance of the Index as compared
to an otherwise comparable index without these features. The reduced cost of hedging may make it possible for certain terms of the securities
to be more favorable to you than would otherwise be the case. However, there can be no assurance that these more favorable terms will
offset the negative effects of these features on the performance of the Index, and your return on the securities may ultimately be less
favorable than it would have been without these more favorable terms but with an index that does not contain these features.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index is reported by Bloomberg L.P. under the ticker symbol &ldquo;SPXF3EV6.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">There are no actual assets to which any investor is entitled by virtue
of an investment linked to the Index. The Index is merely a mathematical calculation that is performed in accordance with the methodology
described in this section.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This description of the Index is only a summary of the rules by which
the Index is calculated. You should understand that this summary is more general than the precise mathematical formulations used to calculate
the Index. The mathematical calculation of the Index is described in the Index rules, which are maintained and subject to change by S&amp;P
Dow Jones Indices LLC. The Index will be governed by and calculated in accordance with the mathematical and other terms set forth in the
Index rules, and not this description of the Index. If this description of the Index conflicts with the Index rules, the Index rules control.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Citigroup Global Markets Inc. (&ldquo;<B>CGMI</B>&rdquo;) worked with
the sponsor of the Index in developing the guidelines and policies governing the composition and calculation of the Index, and in that
role made judgments and determinations about the Index methodology. Although CGMI no longer has a role in making any judgments and determinations
relating to the Index, the judgments and determinations previously made by CGMI could continue to have an impact, positive or negative,
on the level of the Index and the value of your securities. CGMI was under no obligation to consider your interests as an investor in
the securities in its role in developing the guidelines and policies governing the Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Volatility Targeting</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index seeks to reflect exposure to the Underlying Futures Index
while maintaining an Index volatility at its volatility target of 35%. The Index divides its exposure to the Underlying Futures Index
into five sub-indexes, each corresponding to a weekday. There is one sub-index for Monday, one for Tuesday, and so on. Each sub-index
is set to represent 20% of the Index value on the weekday corresponding to that sub-index, which we refer to as the &ldquo;rebalancing
date&rdquo; for that sub-index. The Index value on any given day is the weighted sum of the five sub-index values on that day.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On each weekday, the Index resets the leverage of the sub-index for
that weekday with respect to the performance of the Underlying Futures Index over the next week. We refer to the degree of exposure that
a given sub-index has to the Underlying Futures Index from one rebalancing date for that sub-index to the next as the &ldquo;leverage&rdquo;
of that sub-index. The leverage of each sub-index that is set on each rebalancing date for that sub-index will be equal to (a) the Index&rsquo;s
volatility target of 35% divided by (b) the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index as observed on that rebalancing
date, subject to a maximum of 500%.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For example, if the implied volatility of the S&amp;P 500<SUP>&reg;</SUP>
Index on the rebalancing date for a sub-index were 17.50%, that sub-index would reflect 200% leverage with respect to the performance
of the Underlying Futures Index from that rebalancing date to the next rebalancing date for that sub-index (calculated as the volatility
target of 35% divided by the implied volatility of 17.50%). If a sub-index were to have 200% leverage with respect to the performance
of the Underlying Futures Index from one rebalancing date to the next, that would mean that the change in value of that sub-index would
be 200% of the return of the Underlying Futures Index over that period, whether positive or negative, before giving effect to the decrement.
Accordingly, if the return of the Underlying Futures Index were -5% over that period, the change in value of that sub-index would be -10%
over that same period, before giving effect to the decrement.As an alternative example, if the implied volatility of the S&amp;P 500<SUP>&reg;</SUP>
Index on the rebalancing date for a sub-index were 43.75%, that sub-index would reflect 80% leverage with respect to the performance of
the Underlying Futures Index from that rebalancing date to the next rebalancing date for that sub-index (calculated as the volatility
target of 35% divided by the implied volatility of 43.75%). In this circumstance, the change in value of that sub-index from the applicable
rebalancing date to the next would be 80% of the return of the Underlying Futures Index over that period, whether positive or negative,
before giving effect to the decrement. Accordingly, if the return of the Underlying Futures Index were 5% over that period, the change
in value of that sub-index would be 4% over that same period, before giving effect to the decrement. At any time when any sub-index has
less than 100% leverage with respect to the Underlying Futures Index, a portion of the sub-index corresponding to the difference may be
thought of as effectively uninvested, and no interest or other return will accrue on that portion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The leveraged exposure of a sub-index to the Underlying Futures Index
is reset intraday on each rebalancing date for that sub-index based on:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the average of the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index
calculated every minute during a calculation window from 11:30 a.m. to 11:35 a.m., Eastern time, on that rebalancing date;</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the value of the Index and the applicable sub-index at 11:35 a.m., Eastern
time, on that rebalancing date; and</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the time-weighted average value (an average of snapshots of the value throughout
the applicable window) of the Underlying Futures Index during the window (the &ldquo;rebalancing window&rdquo;) from 12:50 p.m. to 1:00
p.m., Eastern time, on that rebalancing date.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We refer to 1:00 p.m., Eastern time, on the rebalancing date for a sub-index
as the &ldquo;rebalancing time&rdquo; on that rebalancing date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The closing value of a sub-index on any day after the most recent rebalancing
time for that sub-index, including on the rebalancing date on which the rebalancing time occurs, will reflect the performance of the Underlying
Futures Index from its time-weighted average value at that rebalancing time to its closing value on such day multiplied by the leverage
for that sub-index that was reset at that rebalancing time, less the decrement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The value of each sub-index between rebalancing times is floored at
25% of the time-weighted average value of the sub-index at the immediately preceding rebalancing time (determined during the rebalancing
window). As a result, the maximum amount by which the value of any sub-index may decline from one rebalancing time to the next is 75%.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If a rebalancing date for any sub-index is a holiday, that rebalancing
date will be postponed to the next weekday that is not a holiday. In addition, for scheduled or unscheduled full-day market closures or
intraday closures (where the term &ldquo;closure&rdquo; is deemed to include a lack of data availability), the applicable sub-index will
rebalance on the next business day when all necessary data is available.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Implied Volatility</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index resets the leverage of each sub-index with respect to the
Underlying Futures Index on each rebalancing date for that sub-index based on a measure of the implied volatility of the S&amp;P 500<SUP>&reg;</SUP>
Index over the next week as observed on that rebalancing date. Volatility is a measure of the magnitude and frequency of changes in the
value of an asset measured at specified intervals over a given time period. The greater the magnitude and frequency of changes in value,
the greater the volatility. Implied volatility is a measure of the expected future volatility of an asset that is derived from the price
of options on that asset. The theoretical value of an option is determined to a significant degree by the volatility of the underlying
asset. Accordingly, if one makes assumptions about the other inputs to the theoretical value of an option, one can derive the volatility
of the underlying asset that is implied by the market price of that option.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index derives the implied volatility of the S&amp;P 500<SUP>&reg;</SUP>
Index from the prices of S&amp;P 500 Weeklys (SPXW) options traded on the Cboe options exchange. SPXW options are options on the S&amp;P
500<SUP>&reg;</SUP> Index with expiration dates (and a PM expiration time of 4:00 p.m.) on each weekday, except for market holidays. The
Index determines the implied volatility of the S&amp;P 500<SUP>&reg;</SUP> Index on a rebalancing date for a sub-index based on the market
prices of SPXW options expiring on the next rebalancing date for that sub-index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index uses the following inputs to the Black theoretical option
pricing model to derive implied volatility:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a risk-free interest rate based on US Treasury yield curve rates (captured
from the US Department of the Treasury website around 6:00 p.m., New York time, every day and used for the following business day) to
which linear interpolation is applied to derive the yield to the next rebalancing date;</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a forward price for the S&amp;P 500<SUP>&reg;</SUP> Index calculated at each
minute from 11:30 a.m. to 11:35 a.m., Eastern time, based on the difference between the mid-price (the average of bid and ask prices)
of at-the-money call and put options on the S&amp;P 500<SUP>&reg;</SUP> Index, where the at-the-money call and put options are the options
with a strike price where the difference between the call and put mid-prices is the smallest; and</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a time to expiration equal to the amount of time from the rebalancing time
on the current rebalancing date to the PM expiration time of SPXW options on the next rebalancing date.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index uses these inputs and the Black theoretical option pricing
model to derive implied volatility from the prices of SPXW call options that are at-the-money or have strike prices that are out-of-the-money
(i.e., are above the at-the-money strike) and SPXW put options that are at-the-money or have strike prices that are out-of-the-money (i.e.,
are below the at-the-money strike). (The Index excludes options with a &ldquo;delta&rdquo; of less than 1%, where &ldquo;delta&rdquo;
is a measurement of how sensitive the change in the value of the option is to changes in the value of the S&amp;P 500<SUP>&reg;</SUP>
Index.) The Index calculates an implied volatility from these prices at the end of every minute during a calculation window from 11:30
a.m. to 11:35 a.m., Eastern time. The average of those implied volatilities on a given rebalancing date is the implied volatility of the
S&amp;P 500<SUP>&reg;</SUP> Index that the Index uses to reset the leverage of the applicable sub-index on that rebalancing date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The implied volatility measured by the Index is a one-week implied volatility
(subject to the following paragraph), in that it reflects market expectations of volatility over the one-week period from one rebalancing
date to the next, but is expressed in annualized terms.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If a given weekday is a holiday, then the sub-index that would normally
rebalance on that weekday will instead be rebalanced on the next weekday that is not a holiday. For example, if a Monday is a holiday,
then the Monday sub-index would rebalance instead on the following Tuesday. In that event, the Index would rebalance two sub-indexes on
that Tuesday &ndash; the Monday sub-index and the Tuesday sub-index. The Monday sub-index would be rebalanced based on the implied volatility
determined on that Tuesday for the period from that Tuesday to the next Monday (assuming the next Monday is not a holiday), and the Tuesday
sub-index would be rebalanced based on the implied volatility determined on that Tuesday for the period from that Tuesday to the next
Tuesday.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Decrement</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index is a decrement index, which means that the value of each sub-index
of the Index will be reduced at a rate of 6% per annum. The 6% decrement is calculated between rebalancing dates on the time-weighted
average value of the applicable sub-index at the most recent rebalancing time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The decrement will be a significant drag on the performance of the Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Comparison of Hypothetical Back-Tested and Historical S&amp;P 500
Futures 35% Edge Volatility 6% Decrement Index (USD) ER Performance Against Historical S&amp;P 500<SUP>&reg;</SUP> Index Performance</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following graphs set forth a comparison of the hypothetical back-tested
and historical performance of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER against the historical performance
of the S&amp;P 500<SUP>&reg;</SUP> Index. The first graph shows comparative performance data for the period from January 2, 2015 through
September 25, 2025, each normalized to have a closing value of 100.00 on January 2, 2015 to facilitate a comparison. The second graph
shows comparative performance data for the period from January 3, 2022 through September 25, 2025, each normalized to have a closing value
of 100.00 on January 3, 2022 to facilitate a comparison. The performance of the S&amp;P 500<SUP>&reg;</SUP> Index shown below is its price
return performance &ndash; i.e., its performance without reflecting dividends. The total return performance of the S&amp;P 500<SUP>&reg;</SUP>
Index (i.e., its performance reflecting dividends) would be greater than the price return performance shown below.All S&amp;P 500 Futures
35% Edge Volatility 6% Decrement Index (USD) ER performance information prior to May 10, 2024 is hypothetical and back-tested, as the
S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER did not exist prior to that date. Hypothetical back-tested performance
information is subject to the significant limitations described above under &ldquo;Information About the S&amp;P 500 Futures 35% Edge
Volatility 6% Decrement Index (USD) ER&rdquo;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the graphs below, references to &ldquo;SPXF3EV6&rdquo; are to the
S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER and references to &ldquo;SPX&rdquo; are to the S&amp;P 500<SUP>&reg;</SUP>
Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_012.jpg" ALT="" STYLE="height: 378px; width: 692px"></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_013.jpg" ALT="" STYLE="height: 378px; width: 692px"></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>PAST PERFORMANCE OF THE S&amp;P 500 FUTURES
35% EDGE VOLATILITY 6% DECREMENT INDEX (USD) ER AND RELATIVE PERFORMANCE BETWEEN THE S&amp;P 500 FUTURES 35% EDGE VOLATILITY 6% DECREMENT
INDEX (USD) ER AND THE S&amp;P 500 INDEX<SUP>&reg;</SUP> ARE NOT INDICATIVE OF FUTURE PERFORMANCE</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Using the historical performance information from the graphs above,
the table below shows the annualized (annually compounded) performance of the S&amp;P 500 Futures 35% Edge Volatility 6% Decrement Index
(USD) ER as compared to the S&amp;P 500<SUP>&reg;</SUP> Index for the last year, the last three years and the last five years, each as
of September 25, 2025.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #2292D0">
    <TD STYLE="width: 22%">&nbsp;</TD>
    <TD STYLE="width: 40%; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>S&amp;P 500 Futures 35% Edge Volatility 6%</B></FONT></P>
                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Decrement Index (USD) ER</B></FONT></P></TD>
    <TD STYLE="width: 38%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Last 1 Year</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-1.09%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15.42%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Last 3 Years</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20.38%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21.32%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Last 5 Years</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11.72%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14.89%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>License Agreement</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">S&amp;P Dow Jones Indices LLC (&ldquo;S&amp;P Dow Jones&rdquo;) and
Citigroup Global Markets Inc. have entered into an exclusive license agreement providing for the license to Citigroup Inc. and its affiliates,
in exchange for a fee, of the right to use indices owned and published by S&amp;P Dow Jones in connection with certain financial products,
including the securities. &ldquo;Standard &amp; Poor&rsquo;s&rdquo; and &ldquo;S&amp;P&rdquo; are trademarks of Standard &amp; Poor&rsquo;s
Financial Services LLC (&ldquo;S&amp;P&rdquo;). &ldquo;Dow Jones&rdquo; is a registered trademark of Dow Jones Trademark Holdings, LLC
(&ldquo;Dow Jones&rdquo;). Trademarks have been licensed to S&amp;P Dow Jones and have been licensed for use by Citigroup Inc. and its
affiliates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The license agreement between S&amp;P Dow Jones and Citigroup Global
Markets Inc. provides that the following language must be stated in this pricing supplement:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;The securities are not sponsored, endorsed, sold or promoted
by S&amp;P Dow Jones, Dow Jones, S&amp;P or their respective affiliates (collectively, &ldquo;S&amp;P Dow Jones Indices&rdquo;). S&amp;P
Dow Jones Indices make no representation or warranty, express or implied, to the holders of the securities or any member of the public
regarding the advisability of investing in securities generally or in the securities particularly. S&amp;P Dow Jones Indices&rsquo; only
relationship to Citigroup Inc. and its affiliates (other than transactions entered into in the ordinary course of business) is the licensing
of certain trademarks, trade names and service marks of S&amp;P Dow Jones Indices and of the Index, which is determined, composed and
calculated by S&amp;P Dow Jones Indices without regard to Citigroup Inc., its affiliates or the securities. S&amp;P Dow Jones Indices
have no obligation to take the needs of Citigroup Inc., its affiliates or the holders of the securities into consideration in determining,
composing or calculating the Index. S&amp;P Dow Jones Indices are not responsible for and have not participated in the determination of
the timing of, prices at or quantities of the securities to be issued or in the determination or calculation of the equation by which
the securities are to be converted into cash. S&amp;P Dow Jones Indices have no obligation or liability in connection with the administration,
marketing or trading of the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">S&amp;P DOW JONES INDICES DO NOT GUARANTEE THE ACCURACY
AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN AND S&amp;P DOW JONES INDICES SHALL HAVE NO LIABILITY FOR ANY ERRORS,
OMISSIONS, OR INTERRUPTIONS THEREIN. S&amp;P DOW JONES INDICES MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY CITIGROUP
INC., HOLDERS OF THE SECURITIES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR ANY DATA INCLUDED THEREIN. S&amp;P DOW JONES
INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
OR USE WITH RESPECT TO THE INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL S&amp;P DOW JONES
INDICES HAVE ANY LIABILITY FOR ANY LOST PROFITS OR INDIRECT, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY
THEREOF. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&amp;P DOW JONES INDICES AND CITIGROUP INC.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Annex B</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Description of the S&amp;P 500 Futures Excess
Return Index</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We have derived all information contained in this pricing supplement
regarding the S&amp;P 500 Futures Excess Return Index, including, without limitation, its make-up, method of calculation and changes in
its components, from publicly available information. We have not independently verified such information. Such information reflects the
policies of, and is subject to change by, S&amp;P Dow Jones Indices LLC (&ldquo;S&amp;P Dow Jones&rdquo;). The S&amp;P 500 Futures Excess
Return Index was developed by Standard &amp; Poor&rsquo;s Financial Services LLC (&ldquo;S&amp;P&rdquo;) and is calculated, maintained
and published by S&amp;P Dow Jones. S&amp;P Dow Jones has no obligation to continue to publish, and may discontinue the publication of,
the S&amp;P 500 Futures Excess Return Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500 Futures Excess Return Index tracks futures contracts
on the S&amp;P 500<SUP>&reg;</SUP> Index. The S&amp;P 500<SUP>&reg;</SUP> Index is reported by Bloomberg L.P. under the ticker symbol
&ldquo;SPX.&rdquo; The S&amp;P 500<SUP>&reg;</SUP> Index consists of the common stocks of 500 issuers selected to provide a performance
benchmark for the large capitalization segment of the U.S. equity market. For more information about the S&amp;P 500<SUP>&reg;</SUP> Index,
see &ldquo;Equity Index Descriptions&mdash;The S&amp;P U.S. Indices&rdquo; in the accompanying underlying supplement. We refer to the
S&amp;P 500<SUP>&reg;</SUP> Index as the &ldquo;reference index&rdquo; for the S&amp;P 500 Futures Excess Return Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500 Futures Excess Return Index is a futures-based index.
As a futures-based index, it is expected to reflect not only the performance of its reference index (the S&amp;P 500<SUP>&reg;</SUP> Index),
but also the implicit cost of a financed position in that reference index. The cost of this financed position will adversely affect the
value of the S&amp;P 500 Futures Excess Return Index. Any increase in market interest rates will be expected to further increase this
implicit financing cost and will increase the negative effect on the performance of the S&amp;P 500 Futures Excess Return Index. Because
of this implicit financing cost, the S&amp;P 500 Futures Excess Return Index is expected to underperform the total return performance
of the S&amp;P 500<SUP>&reg;</SUP> Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500 Futures Excess Return Index launch date was August 2,
2010, and it is reported by Bloomberg L.P. under the ticker symbol &ldquo;SPXFP.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Index Calculation</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500 Futures Excess Return Index tracks the performance of
a hypothetical position, rolled quarterly, in the nearest-to-expiration E-mini S&amp;P 500 futures contract. Constructed from E-mini S&amp;P
500 futures contracts, the S&amp;P 500 Futures Excess Return Index includes provisions for the replacement of the current E-mini S&amp;P
500 futures contract in the S&amp;P 500 Futures Excess Return Index as such futures contract approaches expiration (also referred to as
&ldquo;rolling&rdquo;). This replacement occurs over a one-day rolling period every quarter, which is five days prior to the last trade
date of the futures contract.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500 Futures Excess Return Index is calculated from the price
change of the underlying E-mini S&amp;P 500 futures contract. On any trading date, t, the value of the S&amp;P 500 Futures Excess Return
Index is calculated as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><IMG SRC="image_014.jpg" ALT="" STYLE="height: 17px; width: 216px"></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Where:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; text-align: center; width: 33%; border: black 1pt solid; padding-left: 4pt">
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><IMG SRC="image_015.jpg" ALT="" STYLE="height: 16px; width: 39px"></FONT></P>
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></TD>
    <TD STYLE="padding-right: 4pt; text-align: center; width: 5%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">=</FONT></TD>
    <TD STYLE="padding-right: 4pt; width: 62%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The value of the S&amp;P 500 Futures Excess Return Index on the current day, t</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; text-align: center; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 4pt">
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><IMG SRC="image_016.jpg" ALT="" STYLE="height: 16px; width: 51px"></FONT></P>
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></TD>
    <TD STYLE="padding-right: 4pt; text-align: center; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">=</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The value of the S&amp;P 500 Futures Excess Return Index on the preceding day on which the S&amp;P 500 Futures Excess Return Index was calculated, t-1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; text-align: center; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 4pt">
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><IMG SRC="image_017.jpg" ALT="" STYLE="height: 17px; width: 49px"></FONT></P>
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></TD>
    <TD STYLE="padding-right: 4pt; text-align: center; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">=</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Contract Daily Return from day t-1 to day t, defined as:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><IMG SRC="image_018.jpg" ALT="" STYLE="height: 33px; width: 50px"></FONT></P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; text-align: center; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 4pt">
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><IMG SRC="image_019.jpg" ALT="" STYLE="height: 16px; width: 34px"></FONT></P>
    <P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></TD>
    <TD STYLE="padding-right: 4pt; text-align: center; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">=</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The daily contract reference price of the futures contract, which is the official closing price, as designated by the exchange</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Market disruptions are situations where the exchange has failed to open
so that no trading is possible due to unforeseen events, such as computer or electric power failures, weather conditions or other events.
If any such event happens on the roll date, the roll will take place on the next business day on which no market disruptions exist.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500 Futures Excess Return Index is an excess return index,
which in this context means that its performance will be based solely on changes in the settlement price of its underlying futures contract.
An excess return index is distinct from a total return index, which, in addition to changes in the settlement price of the underlying
futures contract, would reflect interest on a hypothetical cash position collateralizing that futures contract.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 21; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>E-mini S&amp;P 500 futures contracts</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">E-mini S&amp;P 500 futures contracts were introduced in 1997 and are
traded on the Chicago Mercantile Exchange under the ticker symbol &ldquo;ES.&rdquo; The Chicago Mercantile Exchange trades E-mini S&amp;P
500 futures contracts with expiration dates in March, June, September and December of each year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">E-mini S&amp;P 500 futures contracts differ from the futures contracts
described below under &ldquo;&mdash;Futures Contracts Generally&rdquo; in that E-mini S&amp;P 500 futures contracts are cash settled only,
meaning that the 500 stocks composing the S&amp;P 500 Index are not actually delivered upon settlement of the futures contract. Therefore,
the E-mini S&amp;P 500 futures contracts are not contracts to actually buy and sell the stocks in the S&amp;P 500 Index. In all other
relevant respects, however &ndash; including daily &ldquo;mark to market&rdquo; and realization of gains or losses based on the difference
between the current settlement price and the initial futures price &ndash; the E-mini S&amp;P 500 futures contracts are similar to those
described below under &ldquo;&mdash;Futures Contracts Generally.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Futures Contracts Generally</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Generally speaking, a futures contract is an agreement to buy or sell
an underlying asset on a future expiration date at a price that is agreed upon today. If the underlying asset is worth more on the expiration
date than the price specified in the futures contract, then the purchaser of that contract will achieve a gain on that contract, and if
it is worth less, the purchaser will incur a loss.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For example, suppose that a futures contract entered into in January
calls for the purchaser to buy the underlying asset in April at a price of $1,000. If the underlying asset is worth $1,200 in April, then
upon settlement of the futures contract in April the purchaser will buy for $1,000 an underlying asset worth $1,200, achieving a $200
gain. Conversely, if the underlying asset is worth $800 in April, then upon settlement of the futures contract in April the purchaser
will buy for $1,000 an underlying asset worth only $800, incurring a $200 loss.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The gain or loss to the purchaser of this futures contract is different
from the gain or loss that could have been achieved by the direct purchase of the underlying asset in January and the sale of that underlying
asset in April. This is because a futures contract is a &ldquo;leveraged&rdquo; way to invest in the underlying asset. In other words,
purchasing a futures contract is similar to borrowing money to buy the underlying asset, in that (i) it enables an investor to gain exposure
to the underlying asset without having to pay the full cost of it up front and (ii) it entails a financing cost.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This financing cost is implicit in the difference between the spot price
of the underlying asset and the futures price. A &ldquo;futures price&rdquo; is the price at which market participants may agree today
to buy or sell the underlying asset in the future, and the &ldquo;spot price&rdquo; is the current price of the underlying asset for immediate
delivery. The futures price is determined by market supply and demand and is independent of the spot price, but it is nevertheless generally
expected that the futures price will be related to the spot price in a way that reflects a financing cost (because if it did not do so
there would be an opportunity for traders to make sure profits, known as &ldquo;arbitrage&rdquo;). For example, if January&rsquo;s futures
price is $1,000, January&rsquo;s spot price may be $975. If the underlying asset is worth $1,200 in April, the gain on the futures contract
would be $200 ($1,200 minus $1,000), while the gain on a direct investment made at the January spot price would have been $225 ($1,200
minus $975). The lower return on the futures contract as compared to the direct investment reflects this implicit financing cost. Because
of this financing cost, it is possible for a purchaser to incur a loss on a futures contract even if the spot price of the underlying
asset increases over the term of the futures contract. The amount of this financing cost is expected to increase as general market interest
rates increase.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Futures contracts are standardized instruments that are traded on an
exchange. On each trading day, the exchange determines a settlement price (which may also be referred to as a closing price) for that
futures contract based on the futures prices at which market participants entered into that futures contract on that day. Open positions
in futures contracts are &ldquo;marked to market&rdquo; and margin is required to be posted on each trading day. This means that, on each
trading day, the current settlement price for a futures contract is compared to the futures price at which the purchaser entered into
that futures contract. If the current settlement price has decreased from the initial futures price, then the purchaser will be required
to deposit the decrease in value of that futures contract into an account. Conversely, if the current settlement price has increased,
the purchaser will receive that cash value in its account. Accordingly, gains or losses on a futures contract are effectively realized
on a daily basis up until the point when the position in that futures contract is closed out.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Because futures contracts have expiration dates, one futures contract
must be rolled into another if there is a desire to maintain a continuous position in futures contracts on (rather than take delivery
of) a particular underlying asset. This is typically achieved by closing out the position in the existing futures contract as its expiration
date approaches and simultaneously entering into a new futures contract (at a new futures price based on the futures price then prevailing)
with a later expiration date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 22; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Comparison of Historical S&amp;P 500 Futures Excess Return Index
Performance Against Historical S&amp;P 500<SUP>&reg;</SUP> Index Performance</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following graph sets forth a comparison of the historical performance
of the S&amp;P 500 Futures Excess Return Index against the historical performance of the S&amp;P 500<SUP>&reg;</SUP> Index from January
2, 2015 through September 25, 2025, each normalized to have a closing value of 100.00 on January 2, 2015 to facilitate a comparison. The
performance of the S&amp;P 500<SUP>&reg;</SUP> Index shown below is its price return performance &ndash; i.e., its performance without
reflecting dividends. The total return performance of the S&amp;P 500<SUP>&reg;</SUP> Index (i.e., its performance reflecting dividends)
would be greater than the price return performance shown below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the graph below, references to &ldquo;SPXFP&rdquo; are to the S&amp;P
500 Futures Excess Return Index and references to &ldquo;SPX&rdquo; are to the S&amp;P 500<SUP>&reg;</SUP> Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_020.jpg" ALT="" STYLE="height: 315px; width: 577px"></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>PAST PERFORMANCE OF THE S&amp;P 500 FUTURES
EXCESS RETURN INDEX AND RELATIVE PERFORMANCE BETWEEN THE S&amp;P 500</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>FUTURES EXCESS RETURN INDEX AND THE S&amp;P 500<SUP>&reg;</SUP> INDEX
ARE NOT INDICATIVE OF FUTURE PERFORMANCE</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Using the historical performance information from the graph above, the
table below shows the annualized (annually compounded) performance of the S&amp;P 500 Futures Excess Return Index as compared to the S&amp;P
500<SUP>&reg;</SUP> Index for the last year, the last three years and the last five years, each as of September 25, 2025.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #2292D0">
    <TD STYLE="width: 22%">&nbsp;</TD>
    <TD STYLE="width: 40%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>S&amp;P 500 Futures Excess Return Index</B></FONT></TD>
    <TD STYLE="width: 38%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Last 1 Year</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10.93%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15.42%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Last 3 Years</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16.62%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21.32%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Last 5 Years</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12.54%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14.89%</FONT></TD></TR>
  </TABLE>

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end
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</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>image_015.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_015.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
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M2QSPI-#(LD4BAD=#D,#R"".HHK!_M&]?QV=,34;-;6*Q29[,P$S2%F8;@V_@
/#:/X2/FQU/!3\Q7Z'__9

end
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</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>image_016.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_016.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
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M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>image_017.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_017.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  1 #$# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
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M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
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(4P"BBB@#_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>image_018.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_018.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  A #(# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
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M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
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MU&RBCL[>Y>&V&GB:ZE=%<IEHUCR.5[9&/3&3/=:^9-%.H:?%*H6XCB87MI-
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M4 <%\+?^/7Q1_P!C#>?S6N?_ &B_^2=VG_82C_\ 1<E%%1/X8_\ ;OY(TA\;
D]9?J>FZ#_P B]IG_ %Z1?^@"BBBMJGQOU?YLPI_ O1?DC__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>image_019.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_019.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  0 "(# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
