<SEC-DOCUMENT>0000950103-25-013100.txt : 20251014
<SEC-HEADER>0000950103-25-013100.hdr.sgml : 20251014
<ACCEPTANCE-DATETIME>20251014061121
ACCESSION NUMBER:		0000950103-25-013100
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251014
DATE AS OF CHANGE:		20251014

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:		251389325

	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:		251389324

	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>dp235786_424b2-us2519696d.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
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    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">The information in this preliminary
pricing supplement is not complete and may be changed. A registration statement relating to these securities has been filed with the
Securities and Exchange Commission. This preliminary pricing supplement and the accompanying product supplement, underlying supplement,
prospectus supplement and prospectus are not an offer to sell these securities, nor are they soliciting an offer to buy these securities,
in any state where the offer or sale is not permitted.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">SUBJECT TO COMPLETION, DATED OCTOBER
13, 2025</P></TD></TR>
  </TABLE>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%; font-size: 10pt; color: #888888"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD>
    <TD STYLE="width: 41%"><P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">October&nbsp;&nbsp;&nbsp;&nbsp;
    , 2025</FONT></P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">Medium-Term
    Senior Notes, Series N</FONT></P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">Pricing
    Supplement No. 2025-USNCH28857</FONT></P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">Filed
    Pursuant to Rule 424(b)(2)</FONT></P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">Registration
    Statement Nos. 333-270327 and 333-270327-01</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; color: rgb(89,174,67); margin: 0pt 0">Buffered Digital Notes Based on Shares of the <FONT STYLE="color: #59AE40">SPDR<SUP>&reg;</SUP>
S&amp;P 500<SUP>&reg;</SUP> ETF Trust</FONT> Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Overview</B></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>The securities offered by this pricing supplement are unsecured
senior debt securities issued by Citigroup Global Markets Holdings Inc. and guaranteed by Citigroup Inc.&nbsp;&nbsp;Unlike conventional
debt securities, the securities do not pay interest and do not repay a fixed amount of principal at maturity.&nbsp;&nbsp;Instead, the
securities offer a payment at maturity that may be greater than or less than the stated principal amount, depending on the performance
of the shares of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust (the &ldquo;underlying shares&rdquo;) from the initial
share price to the final share price.</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>The securities offer a fixed return at maturity so long as the
final share price is greater than or equal to the final buffer price as described below.&nbsp;&nbsp;In exchange for this feature, investors
in the securities must be willing to forgo (i) any appreciation of the underlying shares beyond the fixed return amount, (ii) any dividends
that may be paid on the underlying shares and (iii) interest on the securities.&nbsp;&nbsp;In addition, investors in the securities must
be willing to accept leveraged downside exposure to the underlying shares if the final share price is less than the final buffer price.
<B>If the underlying shares depreciate by more than the buffer percentage from the initial share price to the final share price, you
will lose more than 1% of the stated principal amount of your securities for every 1% by which that depreciation exceeds the buffer percentage.
Accordingly, the lower the final share price, the less benefit you will receive from the buffer.&nbsp;&nbsp;There is no minimum payment
at maturity.</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>In order to obtain the modified exposure to the underlying shares
that the securities provide, investors must be willing to accept (i) an investment that may have limited or no liquidity and (ii) the
risk of not receiving any amount 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>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #59AE43">
    <TD><FONT STYLE="font-size: 10pt; color: white">KEY TERMS</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Issuer:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="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: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Guarantee:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="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">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Underlying shares:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">Shares of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust (ticker symbol: &ldquo;SPY&rdquo;) (the &ldquo;underlying share issuer&rdquo; or &ldquo;ETF&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Aggregate stated principal amount:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Stated principal amount: </FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">$1,000 per security</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Strike date:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">October 10, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Pricing date:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">October&nbsp;&nbsp;&nbsp;&nbsp; , 2025 (expected to be October 15, 2025)</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Issue date:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">October&nbsp;&nbsp;&nbsp;&nbsp; , 2025 (expected to be October 20, 2025)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Final valuation date:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">October&nbsp;&nbsp;&nbsp;&nbsp; , 2026 (expected to be October 23, 2026), subject to postponement if such date is not a scheduled trading day or if certain market disruption events occur</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Maturity date: </FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">October&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026 (expected to be October 28, 2026), subject to postponement as described under &ldquo;Additional Information&rdquo; below</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Payment at maturity:</FONT></TD>
    <TD COLSPAN="3">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For each $1,000 stated principal amount security you hold at maturity,
you will receive the following amount in U.S. dollars:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 9.35pt; text-indent: -9.35pt">&squarf;&#9;&nbsp;&nbsp;&nbsp;If the final share
price is <B>greater than or equal to</B> the final buffer price:&nbsp;&nbsp;$1,000 + the fixed return amount</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 9.35pt; text-indent: -9.35pt">&squarf;&#9;&nbsp;&nbsp;&nbsp;If the final share
price is <B>less than</B> the final buffer price:&nbsp;&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 3.25pt; text-indent: 0in">$1,000 + [$1,000 &times; the buffer
rate &times; (the share return + the buffer percentage)]</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If the final share price is less than the final buffer price,
your payment at maturity will be less, and possibly significantly less, than the $1,000 stated principal amount per security. You should
not invest in the securities unless you are willing and able to bear the risk of losing a significant portion, or all, of your investment.</B></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Initial share price:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">$653.02, the closing price of the underlying shares on the strike date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Final share price:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">The closing price of the underlying shares on the final valuation date</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Share return:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">(i) The final share price minus the initial share price, divided by (ii) the initial share price</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Fixed return amount:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">At least $90.00 per security (at least 9.00% of the stated principal amount) (to be determined on the pricing date). You will receive the fixed return amount only if the final share price is greater than or equal to the final buffer price.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Final buffer price:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">$600.778, 92.00% of the initial share price</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Buffer percentage:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">8.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Buffer rate:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">The initial share price divided by the final buffer price, which is approximately 108.696%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Listing:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">The securities will not be listed on any securities exchange</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">CUSIP / ISIN:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">17331BHK8 / US17331BHK89</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43">Underwriter:</FONT></TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">Citigroup Global Markets Inc. (&ldquo;CGMI&rdquo;), an affiliate of the issuer, acting as principal</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD STYLE="width: 25%"><FONT STYLE="font-size: 10pt; color: #59AE43">Underwriting fee and issue price:</FONT></TD>
    <TD STYLE="width: 25%; text-align: center; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt"><B>Issue price<SUP>(1)(2)</SUP></B></FONT></TD>
    <TD STYLE="width: 25%; text-align: center; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt"><B>Underwriting fee<SUP>(3)</SUP></B></FONT></TD>
    <TD STYLE="width: 25%; text-align: center; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt"><B>Proceeds to issuer<SUP>(3)</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; color: #59AE43">Per security:</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$10.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$990.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; color: #59AE43">Total:</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(1) Citigroup Global Markets Holdings Inc. currently expects that the
estimated value of the securities on the pricing date will be at least $936.50 per security, which will be less than the issue price.&nbsp;&nbsp;The
estimated value of the securities is based on CGMI&rsquo;s proprietary pricing models and our internal funding rate.&nbsp;&nbsp;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.&nbsp;&nbsp;See &ldquo;Valuation of the Securities&rdquo;
in this pricing supplement.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(2) The issue price for investors purchasing the securities in fiduciary
accounts is $990.00 per security.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(3) CGMI will receive an underwriting fee of $10.00 for each security
sold in this offering.&nbsp;&nbsp;J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. will act as placement agents for the securities
and, from the underwriting fee to CGMI, will receive a placement fee of $10.00 for each security they sell in this offering to accounts
other than fiduciary accounts.&nbsp;&nbsp;CGMI and the placement agents will forgo an underwriting fee and placement fee for sales to
fiduciary accounts. For more information on the distribution of the securities, see &ldquo;Supplemental Plan of Distribution&rdquo; in
this pricing supplement.&nbsp;&nbsp;In addition to the underwriting fee, CGMI and its affiliates may profit from expected hedging activity
related to this offering, even if the value of the securities declines.&nbsp;&nbsp;See &ldquo;Use of Proceeds and Hedging&rdquo; in the
accompanying prospectus.</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-6.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Neither the Securities and Exchange Commission
(the &ldquo;SEC&rdquo;) 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></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></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003818/dp190217_424b2-ea0210.htm" STYLE="color: rgb(89,174,67); text-decoration: underline"><FONT STYLE="color: #59AE43"><B>Product
Supplement No. EA-02-10 dated March 7, 2023</B></FONT></A>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm" STYLE="color: rgb(89,174,67); text-decoration: underline"><FONT STYLE="color: #59AE43"><B>Underlying
Supplement No. 11 dated March 7, 2023</B></FONT></A><BR>
<A HREF="https://www.sec.gov/Archives/edgar/data/831001/000119312523063080/d470905d424b2.htm" STYLE="color: rgb(89,174,67); text-decoration: underline"><FONT STYLE="color: #59AE43"><B>Prospectus Supplement and Prospectus each dated March 7, 2023</B></FONT></A></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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    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><FONT STYLE="font-weight: normal">Additional Information</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&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, certain
events may occur that could affect your payment at maturity, such as market disruption events and other events affecting the underlying
shares. These events and their consequences are described in the accompanying product supplement in the sections &ldquo;Description of
the Securities&mdash;Consequences of a Market Disruption Event; Postponement of a Valuation Date,&rdquo; &ldquo;Description of the Securities&mdash;Certain
Additional Terms for Securities Linked to an Underlying Company or an Underlying ETF&mdash;Dilution and Reorganization Adjustments&rdquo;
and &ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities Linked to an Underlying Company or an Underlying
ETF&mdash;Delisting, Liquidation or Termination of an Underlying ETF,&rdquo; and not in this pricing supplement (except as set forth in
the next two paragraphs). The accompanying underlying supplement contains important disclosures regarding the underlying shares that are
not repeated in this pricing supplement. It is important that you read the accompanying product supplement, underlying supplement, prospectus
supplement and prospectus together with this pricing supplement in deciding whether to invest 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>Postponement of the Final Valuation Date; Postponement of the Maturity
Date.</B> If the scheduled final valuation date is not a scheduled trading day, the final valuation date will be postponed to the next
succeeding scheduled trading day.&nbsp;&nbsp;In addition, if a market disruption event occurs on the scheduled final valuation date, the
calculation agent may, but is not required to, postpone the final valuation date to the next succeeding scheduled trading day on which
a market disruption event does not occur.&nbsp;&nbsp;However, in no event will the scheduled final valuation date be postponed more than
five scheduled trading days after the originally scheduled final valuation date as a result of a market disruption event occurring on
the scheduled final valuation date.&nbsp;&nbsp;If the final valuation date is postponed so that it falls less than three business days
prior to the scheduled maturity date, the maturity date will be postponed to the third business day after the final valuation date as
postponed.&nbsp;&nbsp;The provisions in this paragraph supersede the related provisions in the accompanying product supplement to the
extent the provisions in this paragraph are inconsistent with those provisions.&nbsp;&nbsp;The terms &ldquo;scheduled trading day&rdquo;
and &ldquo;market disruption event&rdquo; 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>Dilution and Reorganization Adjustments. </B>The initial share price
and the final buffer price are each a &ldquo;Relevant Value&rdquo; for purposes of the section &ldquo;Description of the Securities&mdash;Certain
Additional Terms for Securities Linked to an Underlying Company or an Underlying ETF&mdash;Dilution and Reorganization Adjustments&rdquo;
in the accompanying product supplement. Accordingly, the initial share price and the final buffer price are each subject to adjustment
upon the occurrence of any of the events described in that section.</P>

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


<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><FONT STYLE="font-weight: normal">Hypothetical Examples</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The diagram below illustrates your payment at maturity for a range of
hypothetical share returns. The diagram assumes that the fixed return amount will be set at the lowest value indicated on the cover page
of this pricing supplement. The actual fixed return amount will be determined on the pricing 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"><B>Investors in the securities will not receive any dividends on the
underlying shares.&nbsp;&nbsp;The diagram and examples below do not show any effect of lost dividend yield over the term of the securities.</B>
See &ldquo;Summary Risk Factors&mdash;You will not have voting rights, rights to receive any dividends or other distributions or any other
rights with respect to the ETF&rdquo; below.</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 95%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #EAF3E0">
    <TD COLSPAN="2" STYLE="border: Black 1pt solid; text-align: center; font-size: 10pt"><FONT STYLE="color: #59AE40"><B>Buffered Digital Notes</B><BR>
<B>Payment at Maturity Diagram</B></FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 403px; width: 595px">&nbsp;&nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border-left: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; font-size: 10pt"><FONT STYLE="font-family: Wingdings; color: #59AE43">n</FONT> The Securities&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; font-size: 10pt">&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">n</FONT> The Underlying Shares</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 47%; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 9pt">October 2025</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 53%; text-align: right; color: rgb(89,174,67)"><FONT STYLE="font-size: 9pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table and examples below illustrate various hypothetical payments
at maturity assuming the various hypothetical final share prices indicated below. The examples below are based on a hypothetical initial
share price of $100.00 and a hypothetical final buffer price of $92.00 (92% of the hypothetical initial share price) and do not reflect
the actual initial share price or final buffer price. We have used these hypothetical values, rather than the actual values, to simplify
the calculations and aid understanding of how the securities work.&nbsp;&nbsp;However, you should understand that the actual payment at
maturity on the securities will be calculated based on the actual initial share price and final buffer price, and not the hypothetical
values indicated below. It is impossible to predict whether you will realize a gain or loss on your investment in the securities.&nbsp;&nbsp;Figures
in the table and examples below have been rounded for ease of analysis.&nbsp;&nbsp;The table and examples below are intended to illustrate
how your payment at maturity will depend on whether the final share price is greater than or less than the initial share price and by
how much. The table and examples assume that the fixed return amount will be set at the lowest value indicated on the cover page of this
pricing supplement. The actual fixed return amount will be determined on the pricing date.</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #EAF3E0">
    <TD STYLE="width: 25%; border: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE40"><B>Hypothetical Final Share Price</B></FONT></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE40"><B>Hypothetical Share Return</B></FONT></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE40"><B>Hypothetical Payment at Maturity per Security</B></FONT></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE40"><B>Hypothetical Total Return on Securities at Maturity<SUP>(1)</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$200.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$190.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$180.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">80.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$170.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">70.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$160.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">60.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$150.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">50.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$140.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">40.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$130.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">30.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$120.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">20.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$110.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">10.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$105.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$101.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">1.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF1DD">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$100.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$95.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-5.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E0">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$92.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-8.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,090.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$91.99</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-8.01%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$999.89</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-0.01%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$90.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-10.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$978.26</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-2.17%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$80.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-20.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$869.57</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-13.04%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$70.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-30.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$760.87</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-23.91%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$60.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-40.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$652.17</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-34.78%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$50.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-50.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$543.48</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-45.65%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$40.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-60.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$434.78</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-56.52%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$30.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-70.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$326.09</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-67.39%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$20.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-80.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$217.39</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-78.26%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$10.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-90.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$108.70</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-89.13%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-100.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">-100.00%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(1)</SUP> Hypothetical total return on securities at maturity =
hypothetical payment at maturity per security <I>minus</I> $1,000 stated principal amount per security, <I>divided by </I>$1,000 stated
principal amount per security</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>Example 1&mdash;Upside Scenario A.</B> The hypothetical final share
price is $105.00 (a 5.00% increase from the hypothetical initial share price), which is <B>greater than</B> the hypothetical final buffer
price.</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">Payment at maturity per security = $1,000 + the fixed return amount</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,000 + $90.00</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,090.00</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 the underlying shares appreciated from the hypothetical initial
share price to the hypothetical final share price, your payment at maturity in this scenario would be equal to the $1,000 stated principal
amount per security plus the fixed return amount, or $1,090.00 per security.</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>Example 2&mdash;Upside Scenario B.</B> The hypothetical final share
price is $150.00 (a 50.00% increase from the hypothetical initial share price), which is <B>greater than</B> the hypothetical final buffer
price.</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">Payment at maturity per security = $1,000 + the fixed return amount</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,000 + $90.00</P>

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


<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 47%; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 9pt">October 2025</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 53%; text-align: right; color: rgb(89,174,67)"><FONT STYLE="font-size: 9pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,090.00</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 the underlying shares appreciated from the hypothetical initial
share price to the hypothetical final share price, your payment at maturity in this scenario would be equal to the $1,000 stated principal
amount per security plus the fixed return amount, or $1,090.00 per security.&nbsp;&nbsp;In this scenario, the fixed return percentage
is less than the appreciation of the underlying shares, and as a result an investment in the securities would underperform a direct investment
in the underlying shares.</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>Example 3&mdash;Upside Scenario C.</B> The hypothetical final share
price is $95.00 (a 5.00% decrease from the hypothetical initial share price), which is <B>greater than</B> the hypothetical final buffer
price.</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">Payment at maturity per security = $1,000 + the fixed return amount</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,000 + $90.00</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,090.00</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 the underlying shares depreciated from the hypothetical initial
share price to the hypothetical final share price by less than the 8.00% buffer percentage, your payment at maturity in this scenario
would be equal to the $1,000 stated principal amount per security plus the fixed return amount, or $1,090.00 per security.</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>Example 4&mdash;Downside Scenario A. </B>The hypothetical final share
price is $70.00 (a 30.00% decrease from the hypothetical initial share price), which is <B>less than</B> the hypothetical final buffer
price.</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">Payment at maturity per security = $1,000 + [$1,000 &times; the buffer
rate &times; (the share return + the buffer percentage)]</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,000 + [$1,000 &times; 1.08696 &times; (-30.00% + 8.00%)]</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,000 + -$239.13</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $760.87</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 the underlying shares depreciated from the hypothetical initial
share price to the hypothetical final share price by more than the 8.00% buffer percentage, you would lose more than 1% of the stated
principal amount of your securities for every 1% the underlying shares declined beyond the 8.00% buffer percentage.&nbsp;&nbsp;In this
scenario, the underlying shares depreciated by 30.00% and you would lose approximately 23.91% of the stated principal amount at maturity;
therefore, the securities would provide an effective buffer (which is the difference between the depreciation of the underlying shares
and the loss on the securities) of approximately 6.09%.</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>Example 5&mdash;Downside Scenario B.</B> The hypothetical final share
price is $30.00 (a 70.00% decrease from the hypothetical initial share price), which is <B>less than</B> the hypothetical final buffer
price.</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">Payment at maturity per security = $1,000 + [$1,000 &times; the buffer
rate &times; (the share return + the buffer percentage)]</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,000 + [$1,000 &times; 1.08696 &times; (-70.00% + 8.00%)]</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $1,000 + -$673.91</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">= $326.09</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 the underlying shares depreciated from the hypothetical initial
share price to the hypothetical final share price by more than the 8.00% buffer percentage, you would lose more than 1% of the stated
principal amount of your securities for every 1% the underlying shares declined beyond the 8.00% buffer percentage. In this scenario,
the underlying shares depreciated by 70.00% and you would lose approximately 67.39% of the stated principal amount at maturity; therefore,
the securities would provide an effective buffer (which is the difference between the depreciation of the underlying shares and the loss
on the securities) of approximately 2.61%. A comparison of this example with the previous example illustrates the diminishing benefit
of the buffer the greater the depreciation of the underlying shares.</P>

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


<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 47%; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 9pt">October 2025</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 53%; text-align: right; color: rgb(89,174,67)"><FONT STYLE="font-size: 9pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><FONT STYLE="font-weight: normal">Summary Risk Factors</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&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.&nbsp;&nbsp;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 shares.&nbsp;&nbsp;Accordingly, the securities are suitable only
for investors who are capable of understanding the complexities and risks of the securities.&nbsp;&nbsp;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.&nbsp;&nbsp;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 Securities&rdquo; beginning on page EA-7 in the accompanying
product supplement.&nbsp;&nbsp;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">Citigroup Inc. will release quarterly earnings on October 14, 2025,
which is during the marketing period and prior to the pricing date of these securities.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>You may lose some or all of your investment.</B> Unlike conventional debt securities, the securities do not repay a fixed amount
of principal at maturity. Instead, your payment at maturity will depend on the performance of the underlying shares. If the final share
price is less than the final buffer price, you will lose more than 1% of the stated principal amount of your securities for every 1% by
which the underlying shares have depreciated by more than the buffer percentage.&nbsp;&nbsp;You should understand that any decline in
the final share price in excess of the buffer percentage will result in a magnified loss to your investment by the buffer rate, which
will progressively offset any protection that the buffer percentage would offer. The lower the final share price, the less benefit you
will receive from the buffer.&nbsp;&nbsp;There is no minimum payment at maturity, and you may lose up to all of your investment.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The initial share price, set on the strike date, may be higher than the closing price of the underlying shares on the pricing date.</B>
If the closing price of the underlying shares on the pricing date is less than the initial share price set on the strike date, the terms
of the securities may be less favorable to you than the terms of an alternative investment that may be available to you that offers a
similar payout as the securities but with the initial share price set on the pricing date.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>Your potential return on the securities is limited.</B> Your potential total return on the securities at maturity is limited to
the fixed return at maturity of at least 9.00% (to be determined on the pricing date).&nbsp;&nbsp;If the underlying shares appreciate
by more than the fixed return at maturity, the securities will underperform a direct investment in the underlying shares. Your return
on the securities could underperform a direct investment in the underlying shares even if the underlying shares appreciate by less than
the fixed return at maturity because, unlike a direct investment in the underlying shares, investors in the securities will not receive
any dividends paid on the underlying shares over the term of the securities.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The securities do not pay interest.</B> Unlike conventional debt securities, the securities do not pay interest or any other amounts
prior to maturity. You should not invest in the securities if you seek current income during the term of the securities.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>You will not receive dividends or have any other rights with respect to the underlying shares.</B> You will not receive any dividends
with respect to the underlying shares. This lost dividend yield may be significant over the term of the securities. The payment scenarios
described in this pricing supplement do not show any effect of such lost dividend yield over the term of the securities. In addition,
you will not have voting rights or any other rights with respect to the underlying or the shares of the underlying.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>Your payment at maturity depends on the closing price of the underlying shares on a single day.</B> Because your payment at maturity
depends on the closing price of the underlying shares solely on the final valuation date, you are subject to the risk that the closing
price of the underlying shares on that day may be lower, and possibly significantly lower, than on one or more other dates during the
term of the securities. If you had invested in another instrument linked to the underlying shares that you could sell for full value at
a time selected by you, or if the payment at maturity were based on an average of closing prices of the underlying shares, you might have
achieved better returns.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 47%; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 9pt">October 2025</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 53%; text-align: right; color: rgb(89,174,67)"><FONT STYLE="font-size: 9pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">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
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 0.25in; text-indent: 0in">&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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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) the placement 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.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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 underlying shares, dividend yields on the underlying
shares and the securities held by the underlying share issuer 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.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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 we will pay to investors in the securities, which do not
bear interest.</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 0.25in; text-indent: 0in">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.&nbsp;&nbsp;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 0.25in; text-indent: 0in">&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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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 price and volatility of the underlying shares and a number of other factors, including the
price and volatility of the securities held by the underlying share issuer, the dividend yields on the underlying shares and the securities
held by the underlying share issuer, interest rates generally, the time remaining to maturity and our and Citigroup Inc.&rsquo;s creditworthiness,
as reflected in our secondary market rate.&nbsp;&nbsp;Changes in the price of the underlying shares may not result in a comparable change
in the value of your securities.&nbsp;&nbsp;You should understand that the value of your securities at any time prior to maturity may
be significantly less than the issue price.</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 7 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 47%; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 9pt">October 2025</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 53%; text-align: right; color: rgb(89,174,67)"><FONT STYLE="font-size: 9pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><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.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>Our offering of the securities does not constitute a recommendation of the underlying shares by CGMI or its affiliates or by the
placement agents or their affiliates. </B>The fact that we are offering the securities does not mean that we believe, or that the placement
agents or their affiliates believe, that investing in an instrument linked to the underlying shares is likely to achieve favorable returns.
In fact, as we and the placement agents are part of global financial institutions, our affiliates and the placement agents and their affiliates
may have positions (including short positions) in the underlying shares or the securities held by the underlying share issuer or in instruments
related to the underlying shares or such securities, and may publish research or express opinions, that in each case are inconsistent
with an investment linked to the underlying shares. These and other activities of our affiliates or the placement agents or their affiliates
may affect the price of the underlying shares in a way that has a negative impact on your interests as a holder of the securities.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The price and performance of the underlying share issuer may not completely track the performance of its underlying index or its
net asset value per share.</B>&nbsp;&nbsp;The underlying share issuer does not fully replicate the underlying index that it seeks to track
(the &ldquo;ETF underlying index&rdquo;) and may hold securities different from those included in the ETF underlying index. In addition,
the performance of the underlying share issuer reflect additional transaction costs and fees that are not included in the calculation
of its ETF underlying index. All of these factors may lead to a lack of correlation between the performance of the underlying share issuer
and its ETF underlying index. In addition, corporate actions with respect to the equity securities constituting the underlying share issuer&rsquo;s
ETF underlying index or held by the underlying share issuer (such as mergers and spin-offs) may impact the variance between the performance
of the underlying share issuer and its ETF underlying index. Finally, because the underlying shares are traded on an exchange and are
subject to market supply and investor demand, the market value of the underlying share issuer may differ from its net asset value per
share.</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 0.25in; text-indent: 0in">During periods of market volatility, securities
underlying the underlying share issuer may be unavailable in the secondary market, market participants may be unable to calculate accurately
the net asset value per share of the underlying share issuer and the liquidity of the underlying share issuer may be adversely affected.
This kind of market volatility may also disrupt the ability of market participants to create and redeem shares of the underlying share
issuer. Further, market volatility may adversely affect, sometimes materially, the price at which market participants are willing to buy
and sell the underlying share issuer. As a result, under these circumstances, the market value of the underlying share issuer may vary
substantially from its net asset value per share. For all of the foregoing reasons, the performance of the underlying share issuer might
not correlate with the performance of its ETF underlying index and/or its net asset value per share, which could materially and adversely
affect the value of the securities in the secondary market and/or reduce your return on the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The price of the underlying shares may be adversely affected by our or our affiliates&rsquo; hedging and other trading activities.&nbsp;&nbsp;</B>We
expect to hedge our obligations under the securities through CGMI or other of our affiliates, who may take positions directly in the underlying
shares and other financial instruments related to the underlying shares and may adjust such positions over the term of the securities.&nbsp;&nbsp;Our
affiliates and the placement agents and their affiliates also trade the underlying shares and other financial instruments related to the
underlying shares 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.&nbsp;&nbsp;These activities could affect the price of the underlying shares in a
way that negatively affects the value of the securities.&nbsp;&nbsp;They could also result in substantial returns for us or our affiliates
or the placement agents or their affiliates while the value of the securities declines.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>We and our affiliates or the placement agents or their affiliates may have economic interests that are adverse to yours as a result
of our affiliates&rsquo; or their business activities.</B> Our affiliates or the placement agents or their affiliates may currently or
from time to time engage in business with the underlying share issuer, including extending loans to, making equity investments in or providing
advisory services to the underlying share issuer. In the course of this business, we or our affiliates or the placement agents or their
affiliates may acquire non-public information about the underlying share issuer, which we and they will not disclose to you. Moreover,
if any of our affiliates or the placement agents or their affiliates is or becomes a creditor of the underlying share issuer, they may
exercise any remedies against the underlying share issuer that are available to them without regard to your interests.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>Even if the underlying share issuer pays a dividend that it identifies as special or extraordinary, no adjustment will be required
under the securities for that dividend unless it meets the criteria specified in the accompanying product supplement.</B> In general,
an adjustment will not be made under the terms of the securities for any cash dividend paid on the underlying shares unless the amount
of the dividend per underlying share, together with any other dividends paid in the same fiscal quarter, exceeds the dividend paid per
underlying share in the most recent fiscal quarter by an amount equal to at least 10% of the closing price of the underlying shares on
the date of declaration of the dividend. Any dividend will reduce the closing price of the underlying shares by the amount of the dividend
per underlying share. If the underlying share issuer pays any dividend for which an adjustment is not made under the terms of the securities,
holders of the securities will be adversely affected. See &ldquo;Description of</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 8 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 47%; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 9pt">October 2025</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 53%; text-align: right; color: rgb(89,174,67)"><FONT STYLE="font-size: 9pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">the Securities&mdash;Certain Additional
Terms for Securities Linked to an Underlying Company or an Underlying ETF&mdash;Dilution and Reorganization Adjustments&mdash;Certain
Extraordinary Cash Dividends&rdquo; in the accompanying product supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The securities will not be adjusted for all events that could affect the price of the underlying shares.</B> For example, we will
not make any adjustment for ordinary dividends or extraordinary dividends that do not meet the criteria described above.&nbsp;&nbsp;Moreover,
the adjustments we do make may not fully offset the dilutive or adverse effect of the particular event.&nbsp;&nbsp;Investors in the securities
may be adversely affected by such an event in a circumstance in which a direct holder of the underlying shares would not.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The securities may become linked to shares of an issuer other than the original underlying share issuer upon the occurrence of
a reorganization event or upon the delisting of the underlying shares.</B> For example, if the underlying share issuer enters into a merger
agreement that provides for holders of the underlying shares to receive shares of another entity, the shares of such other entity will
become the underlying shares for all purposes of the securities upon consummation of the merger.&nbsp;&nbsp;Additionally, if the underlying
shares are delisted or the underlying share issuer is otherwise terminated, the calculation agent may, in its sole discretion, select
shares of another ETF to be the underlying shares.&nbsp;&nbsp;See &ldquo;Description of the Securities&mdash;Certain Additional Terms
for Securities Linked to an Underlying Company or an Underlying ETF&mdash;Dilution and Reorganization Adjustments&rdquo; and &ldquo;&mdash;Delisting,
Liquidation or Termination of an Underlying ETF&rdquo; in the accompanying product supplement.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The calculation agent, which is an affiliate of ours, will make important determinations with respect to the securities.</B>&nbsp;&nbsp;If
certain events occur, such as market disruption events, events with respect to the underlying share issuer that may require a dilution
adjustment or the delisting of the underlying shares, CGMI, as calculation agent, will be required to make discretionary judgments that
could significantly affect your return on the securities.&nbsp;&nbsp;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.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>Changes made by the investment adviser to the underlying share issuer or by the sponsor of the ETF underlying index may adversely
affect the underlying shares.</B> We are not affiliated with the investment adviser to the underlying share issuer or with the sponsor
of the ETF underlying index. Accordingly, we have no control over any changes such investment adviser or sponsor may make to the underlying
share issuer or the ETF underlying index. Such changes could be made at any time and could adversely affect the performance of the underlying
shares.</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"></TD><TD STYLE="width: 0.25in">&squarf;</TD><TD><B>The U.S. federal tax consequences of an investment in th<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">e securities ar</FONT>e
unclear.&nbsp;&nbsp;</B>There is no direct legal authority regarding the proper U.S. federal tax treatment of the securities, and we do
not plan to request a ruling from the Internal Revenue Service (the &ldquo;IRS&rdquo;).&nbsp;&nbsp;Consequently, significant aspects of
the tax treatment of the securities are uncertain, and the IRS or a court might not agree with the treatment of the securities as prepaid
forward contracts.&nbsp;&nbsp;If the IRS were successful in asserting an alternative treatment of the securities, the tax consequences
of the ownership and disposition of the securities might be materially and adversely affected.&nbsp;&nbsp;For example, as discussed below,
there is a substantial risk that the IRS could seek to treat the securities as debt instruments. Even if the treatment of the securities
as prepaid forward contracts is respected, a security may be treated as a &ldquo;constructive ownership transaction,&rdquo; with potentially
adverse consequences described below under &ldquo;United States Federal Tax Considerations.&rdquo; Moreover, future legislation, Treasury
regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the securities, possibly retroactively.</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 0.25in; text-indent: 0in">If you are a non-U.S. investor, you should
review the discussion of withholding tax issues in &ldquo;United States Federal Tax Considerations&mdash;Non-U.S. Holders&rdquo; below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">You should read carefully the discussion
under &ldquo;United States Federal Tax Considerations&rdquo; and &ldquo;Risk Factors Relating to the Securities&rdquo; in the accompanying
product supplement and &ldquo;United States Federal Tax Considerations&rdquo; in this pricing supplement.&nbsp;&nbsp;You should also consult
your tax adviser regarding the U.S. federal tax consequences of an investment in the securities, as well as tax consequences arising under
the laws of any state, local or non-U.S. taxing jurisdiction.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&nbsp;</P>


<!-- Field: Page; Sequence: 9 -->
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    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in; color: #59AE40">Information About the SPDR<SUP>&reg;</SUP>
S&amp;P 500<SUP>&reg;</SUP> ETF Trust</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in; color: #59AE40">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust is an
exchange-traded fund that seeks to provide investment results that, before expenses, correspond generally to the price and yield performance
of the S&amp;P 500<SUP>&reg;</SUP> Index. 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 markets.</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 SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust is managed
by State Street Global Advisors Trust Company, as trustee of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust, and PDR Services
LLC, as sponsor of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust. Information provided to or filed with the Securities
and Exchange Commission (the &ldquo;SEC&rdquo;) by the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust pursuant to the Securities
Act of 1933, as amended, and the Investment Company Act of 1940, as amended, can be located by reference to SEC file numbers 033-46080
and 811-06125, respectively, through the SEC&rsquo;s website at http://www.sec.gov.&nbsp;&nbsp;In addition, information may be obtained
from other sources including, but not limited to, press releases, newspaper articles and other publicly disseminated documents. The underlying
shares of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust trade on the NYSE Arca under the ticker symbol &ldquo;SPY.&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"><FONT STYLE="background-color: white">Please refer to the section &ldquo;Fund
Descriptions&mdash;The SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust&rdquo; in the accompanying underlying supplement for
additional information.</FONT></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="background-color: white"><B>This pricing supplement relates
only to the securities offered hereby and does not relate to the shares of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust.
We have derived all disclosures contained in this pricing supplement regarding the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF
Trust from the publicly available documents described above. In connection with the offering of the securities, none of Citigroup Global
Markets Holdings Inc., Citigroup Inc. or CGMI has participated in the preparation of such documents or made any due diligence inquiry
with respect to the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust.</B></FONT></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="background-color: white">The securities represent obligations
of Citigroup Global Markets Holdings Inc. (guaranteed by Citigroup Inc.) only. The sponsor of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P
500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="background-color: white">is not involved in any way in this offering and has no obligation
relating to the securities or to holders of the securities.</FONT></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="background-color: white">Neither we nor any of our affiliates
make any representation to you as to the performance of the shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF
Trust<FONT STYLE="background-color: white">.</FONT></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; color: #59AE40">Historical Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE40">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">The closing price of the shares
of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust on October 10, 2025 was $653.02. The graph below shows the closing price
of the shares of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust for each day such price was available from January 2,
2015 to October 10, 2025. We obtained the closing prices from Bloomberg L.P., without independent verification. <B>You should not take
the historical prices of the shares of the SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust as an indication of future performance.</B></FONT></P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #EAF3E0">
    <TD STYLE="width: 100%; border: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE40"><B>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust &ndash; Historical Closing Prices<BR>
January 2, 2015 to October 10, 2025</B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: center">&nbsp;<IMG SRC="image_002.jpg" ALT="" STYLE="height: 325px; width: 578px"></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<!-- Field: Page; Sequence: 10 -->
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    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><FONT STYLE="font-weight: normal">United States Federal
Tax Considerations</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You should read carefully the discussion under &ldquo;United States
Federal Tax Considerations&rdquo; and &ldquo;Risk Factors Relating to the Securities&rdquo; in the accompanying product supplement and
&ldquo;Summary Risk Factors&rdquo; in this pricing supplement.&nbsp;&nbsp;</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">Due to the lack of any controlling legal authority, there is substantial
uncertainty regarding the U.S. federal income tax consequences of an investment in the securities. In the opinion of our counsel, Davis
Polk &amp; Wardwell LLP, it is reasonable under current law to treat a security as a prepaid forward contract for U.S. federal income
tax purposes.&nbsp;&nbsp;However, our counsel has advised us that it is unable to conclude affirmatively that this treatment is more likely
than not to be upheld, and that alternative treatments are possible.&nbsp;&nbsp;Moreover, our counsel&rsquo;s opinion is based on market
conditions as of the date of this preliminary pricing supplement and is subject to confirmation on the pricing 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">Assuming this treatment of the securities is respected and subject to
the discussion in &ldquo;United States Federal Tax Considerations&rdquo; in the accompanying product supplement, the following U.S. federal
income tax consequences should result under current law:</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: Symbol">&middot;</FONT></TD><TD>You should not recognize taxable income over the term of the securities prior to maturity, other than pursuant to a sale or exchange.</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: Symbol">&middot;</FONT></TD><TD>Upon a sale or exchange of a security (including retirement at maturity), you should recognize gain or loss equal to the difference
between the amount realized and your tax basis in the security.&nbsp;&nbsp;Subject to the discussion below concerning the potential application
of the &ldquo;constructive ownership&rdquo; rules under Section 1260 of the Code, any gain or loss recognized upon a sale, exchange or
retirement of a security should be long-term capital gain or loss if you held the security for more than one year.</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">Even if the treatment of the securities as prepaid forward contracts
is respected, your purchase of a security may be treated as entry into a &ldquo;constructive ownership transaction,&rdquo; within the
meaning of Section 1260 of the Code. In that case, all or a portion of any long-term capital gain you would otherwise recognize in respect
of your securities would be recharacterized as ordinary income to the extent such gain exceeded the &ldquo;net underlying long-term capital
gain.&rdquo; Any long-term capital gain recharacterized as ordinary income under Section 1260 would be treated as accruing at a constant
rate over the period you held your securities, and you would be subject to an interest charge in respect of the deemed tax liability on
the income treated as accruing in prior tax years. Due to the lack of governing authority under Section 1260, our counsel is not able
to opine as to whether or how Section 1260 applies to the securities. You should read the section entitled &ldquo;United States Federal
Tax Considerations&mdash;Tax Consequences to U.S. Holders&mdash;Securities Treated as Prepaid Forward Contracts&mdash;Possible Application
of Section 1260 of the Code&rdquo; in the accompanying product supplement for additional information and consult your tax adviser regarding
the potential application of the &ldquo;constructive ownership&rdquo; rule.</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 do not plan to request a ruling from the IRS regarding the treatment
of the securities. An alternative characterization of the securities could materially and adversely affect the tax consequences of ownership
and disposition of the securities, including the timing and character of income recognized.&nbsp;&nbsp;In particular, due to the terms
of the securities, there is a substantial risk that the IRS could seek to treat the securities as debt instruments for U.S. federal income
tax purposes. In that event, you would be required to accrue into income original issue discount on the securities every year at a &ldquo;comparable
yield&rdquo; determined as of the time of issuance and recognize all income and gain in respect of the securities as ordinary income.
In addition, the U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax
treatment of &ldquo;prepaid forward contracts&rdquo; and similar financial instruments and have indicated that such transactions may be
the subject of future regulations or other guidance. Furthermore, members of Congress have proposed legislative changes to the tax treatment
of derivative contracts. Any legislation, Treasury regulations or other guidance promulgated after consideration of these issues could
materially and adversely affect the tax consequences of an investment in the securities, possibly with retroactive effect. You should
consult your tax adviser regarding possible alternative tax treatments of the securities and potential changes in applicable law.</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 and in &ldquo;United
States Federal Tax Considerations&rdquo; in the accompanying product supplement, if you are a Non-U.S. Holder (as defined in the accompanying
product supplement) of the securities, you generally should not be subject to U.S. federal withholding or income tax in respect of any
amount paid to you with respect to the securities, provided that (i) income in respect of the securities 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.</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 Code 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;U.S. Underlying Equities&rdquo;) or indices that
include U.S. Underlying Equities.&nbsp;&nbsp;Section 871(m) generally applies to instruments that substantially replicate the economic
performance of one or more U.S. Underlying Equities, as determined based on tests set forth in the applicable Treasury regulations.&nbsp;&nbsp;However,
the regulations, as modified by an IRS 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 securities and representations provided by us as of the date of this preliminary pricing
supplement, our counsel is of the opinion that the securities should not be treated as transactions that have a &ldquo;delta&rdquo; of
one within the meaning of the regulations with respect to any U.S. Underlying Equity and, therefore, should not be subject to withholding
tax under Section 871(m).&nbsp;&nbsp;However, the final determination</P>

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


<!-- Field: Page; Sequence: 11 -->
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    <DIV STYLE="break-before: page; margin-top: 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%; border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 14pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE43 1pt solid; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">Buffered Digital Notes Based on Shares of the </FONT>SPDR<SUP>&reg;</SUP> S&amp;P 500<SUP>&reg;</SUP> ETF Trust <FONT STYLE="font-size: 10pt">Due October&nbsp;&nbsp;&nbsp;&nbsp;, 2026</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="font-size: 12pt">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">regarding the treatment of the securities under Section 871(m) will
be made as of the pricing date for the securities, and it is possible that the securities will be subject to withholding tax under Section
871(m) based on the circumstances as of that 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">A determination that the securities 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 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">If withholding tax applies to the securities, 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 securities.&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 income and estate tax consequences of an investment in the securities 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: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><FONT STYLE="font-weight: normal">Supplemental Plan
of Distribution</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&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 $10.00 for each security sold
in this offering.&nbsp;&nbsp;J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. will act as placement agents for the securities
and, from the underwriting fee to CGMI, will receive a placement fee of $10.00 for each security they sell in this offering to accounts
other than fiduciary accounts. The amount of the underwriting fee to CGMI will be equal to the placement fee paid to the placement agents.
CGMI and the placement agents will forgo an underwriting fee and placement fee for sales to fiduciary accounts.&nbsp;&nbsp;In addition
to the underwriting fee, CGMI and its affiliates may profit from expected hedging activity related to this offering, even if the value
of the securities declines.&nbsp;&nbsp;See &ldquo;Use of Proceeds and Hedging&rdquo; in the accompanying prospectus.</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: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><FONT STYLE="font-weight: normal">Valuation of the Securities</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&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">The estimated value of the securities is a function of the terms of
the securities and the inputs to CGMI&rsquo;s proprietary pricing models.&nbsp;&nbsp;As of the date of this preliminary pricing supplement,
it is uncertain what the estimated value of the securities will be on the pricing date because certain terms of the securities have not
yet been fixed and because it is uncertain what the values of the inputs to CGMI&rsquo;s proprietary pricing models will be on the pricing
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">For a period of approximately six 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 six-month temporary adjustment period.&nbsp;&nbsp;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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&copy;</SUP> 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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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
