<SEC-DOCUMENT>0000950103-25-013509.txt : 20251022
<SEC-HEADER>0000950103-25-013509.hdr.sgml : 20251022
<ACCEPTANCE-DATETIME>20251022144137
ACCESSION NUMBER:		0000950103-25-013509
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251022
DATE AS OF CHANGE:		20251022

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:		251409773

	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:		251409774

	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>dp236162_424b2-25nir078690d.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">
    <P STYLE="font: 10pt 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 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">SUBJECT TO COMPLETION, DATED OCTOBER
    22, 2025</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 18pt; color: #888888">Citigroup Global Markets Holdings Inc.</FONT></TD>
    <TD STYLE="width: 50%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.5pt 0pt 0; text-align: right"><FONT STYLE="color: #888888"><B>December</B></FONT><B><FONT STYLE="color: white">----</FONT><FONT STYLE="color: #888888">,
2025</FONT></B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.5pt 0pt 0; text-align: right; color: #888888"><B>Medium-Term Senior
Notes, Series N</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.5pt 0pt 0; text-align: right; text-indent: -18.65pt; color: #888888"><B>Pricing
Supplement No. 2025-USNCH[&nbsp;&nbsp;]</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.5pt 0pt 0; text-align: right; color: #888888"><B>Filed Pursuant
to Rule 424(b)(2)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.5pt 0pt 0; text-align: right; color: #888888"><B>Registration Statement
Nos. 333-270327 and 333-270327-01</B></P></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0">Fixed to Floating Rate Notes Linked to SOFR Due January
8, 2027</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #2292D0"></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"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
notes will bear interest during each interest period (i) during the first three months: at a fixed rate of 4.10% per annum and (ii) after
the third month until maturity (the &ldquo;floating rate period&rdquo;): at a floating rate based on SOFR (compounded daily during the
relevant observation period) <I>plus</I> the floating rate spread specified below, subject to a minimum interest rate of 0.00% per annum
and a maximum interest rate of 4.10% per annum. Interest payments on the notes will vary and may be paid at a rate as low as 0.00% per
annum.</FONT></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"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
notes are designed for investors who seek fixed interest payments for the first three months of the term of the notes and floating interest
payments linked to SOFR thereafter.</FONT></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"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
notes are unsecured debt securities issued by Citigroup Global Markets Holdings Inc. and guaranteed by Citigroup Inc. <B>All payments
on the notes are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.</B></FONT></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"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>It
is important for you to consider the information contained in this pricing supplement together with the information contained in the
accompanying prospectus supplement and prospectus. The description of the notes below supplements, and to the extent inconsistent with
replaces, the description of the general terms of the notes set forth in the accompanying prospectus supplement and prospectus.</I></FONT></TD>
</TR></TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #2292D0">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>KEY TERMS</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 26%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Issuer:</B></FONT></TD>
    <TD STYLE="width: 74%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; background-color: white">Citigroup Global Markets Holdings Inc., a wholly owned subsidiary of Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Guarantee:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">All payments due on the notes are fully and unconditionally guaranteed by Citigroup Inc.&nbsp;&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Stated principal amount:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000 per note</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Pricing date: </B></FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 4, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Original issue date:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 8, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Maturity date: </B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">January 8, 2027. If the maturity date is not a business day, then such date will be postponed to the next succeeding business day.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Principal due at maturity:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Full principal amount due at maturity</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Payment at maturity:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000 per note <I>plus</I> any accrued and unpaid interest</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Interest rate per annum:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt; text-indent: -9.35pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;During
    the interest period from and including the issue date to but excluding March 9, 2026, the notes will bear interest at a fixed rate of
    4.10% per annum (or 1.036% with respect to the first interest period).</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt; text-indent: -9.35pt"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt; text-indent: -9.35pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;During
    each interest period commencing on or after March 9, 2026, the notes will bear interest at a floating rate per annum equal to SOFR (compounded
    daily over the relevant observation period as described under &ldquo;Determination of SOFR&rdquo; below) <I>plus </I>a spread of 0.15%
    (the &ldquo;floating rate spread&rdquo;), subject to a minimum interest rate of 0.00% per annum and a maximum interest rate of 4.10% per
    annum for any interest period.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 12.25pt; text-indent: -9.35pt"></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Interest period:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Each period from, and including, an interest payment date (or, in the case of the first interest period, the original issue date) to, but excluding, the next succeeding interest payment date. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Observation period:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each interest period during the floating rate period, the period from, and including, the date two U.S. government securities business days preceding the first date in such interest period to, but excluding, the date two U.S. government securities business days preceding the interest payment date for such interest period.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Interest payment dates:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 9, 2026, June 8, 2026, September 8, 2026 and the maturity date (long final interest period). In the event that any interest payment date is not a business day, then such date will be postponed to the next succeeding business day.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Day count convention:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Actual/360 Adjusted. See &ldquo;Determination of Interest Payments&rdquo; in this pricing supplement.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Business day:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Any weekday that is not a legal holiday in New York City and is not a day on which banking institutions in New York City are authorized or required by law or regulation to be closed and is a U.S. government securities business day.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>U.S. government securities business day:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Any day except for a Saturday, a Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Business day convention:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Following</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>CUSIP / ISIN:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17291W6A4 / US17291W6A45</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Listing:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The notes will not be listed on any securities exchange and, accordingly, may have limited or no liquidity.&nbsp;&nbsp;You should not invest in the notes unless you are willing to hold them to maturity.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underwriter:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citigroup Global Markets Inc. (&ldquo;CGMI&rdquo;), an affiliate of the issuer, acting as principal. See &ldquo;General Information&mdash;Supplemental information regarding plan of distribution; conflicts of interest&rdquo; in this pricing supplement.</FONT></TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="width: 25%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underwriting fee and issue price:</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 25%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Issue price</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 25%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Underwriting fee<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 25%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Proceeds to issuer<SUP>(2)</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: rgb(34,146,208)"><B>Per note:</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Total:</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(1)</SUP> CGMI, an affiliate of Citigroup Global Markets Holdings
Inc. and the underwriter of the sale of the notes, is acting as principal and will receive an underwriting fee of up to $0.30 per note
sold in this offering.&nbsp;&nbsp;The total underwriting fee <FONT STYLE="background-color: white">and proceeds to issuer in the table
above give effect to the actual total underwriting fee</FONT>. You should refer to &ldquo;Risk Factors&rdquo; and &ldquo;General Information&mdash;Fees
and selling concessions&rdquo; in this pricing supplement for more information. 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 notes declines. See &ldquo;Use of Proceeds
and Hedging&rdquo; in the accompanying prospectus.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(2)</SUP> The per note proceeds to issuer indicated above represent
the minimum per note proceeds to issuer for any note, assuming the maximum per note underwriting fee. As noted above, the underwriting
fee is variable.</P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investing in the notes involves risks not associated with an investment
in conventional fixed rate debt securities. See &ldquo;Risk Factors&rdquo; beginning on page PS-2.</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Neither the Securities and Exchange Commission nor any state securities
commission has approved or disapproved of the notes or determined that this pricing supplement and the accompanying 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"></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 prospectus supplement and prospectus, which can be accessed via the hyperlink below:</I></B>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #2292D0"><B><U><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm" STYLE="color: rgb(34,146,208); text-decoration: underline">Prospectus Supplement and Prospectus each dated March 7, 2023</A></U></B>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>The notes 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>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The following is a non-exhaustive list of certain key risk factors
for investors in the notes. You should read the risk factors below together with 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. We also urge you to consult your investment, legal, tax, accounting and other advisers before you decide to invest
in the notes. </I></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"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>After the third month, the notes will pay interest at a floating rate that
may be as low as 0% per annum on one or more interest payment dates.</B> The rate at which the notes will bear interest during each interest
period after the third month will depend on SOFR (compounded daily over the relevant observation period as described under &ldquo;Determination
of SOFR&rdquo; below) <I>plus </I>the floating rate spread, subject to the minimum interest rate and the maximum interest rate. As a result,
the interest payable on the notes will vary with fluctuations in SOFR, subject to the minimum interest rate and the maximum interest rate.
It is impossible to predict whether SOFR will rise or fall or the amount of interest payable on the notes.&nbsp;&nbsp;After the third
month, you may not receive any interest on the notes for an extended period of time or even throughout the remaining term of the notes.
As a result, the effective yield on your notes may be less than that which would be payable on a conventional fixed-rate, non-callable
debt security of ours (guaranteed by Citigroup Inc.) of comparable maturity.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The interest rate on the notes is subject to a cap.</B>&nbsp;&nbsp;As a
result, the notes may pay interest at a lower rate than an alternative instrument that is not so capped.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><B>The notes are subject to the credit risk of Citigroup
Global Markets Holdings Inc. and Citigroup Inc., and any actual or perceived changes to the creditworthiness of either entity may adversely
affect the value of the notes. </B>You are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. If
Citigroup Global Markets Holdings Inc. defaults on its obligations under the notes and Citigroup Inc. defaults on its guarantee obligations,
your investment would be at risk and you could lose some or all of your investment. As a result, the value of the notes will be affected
by changes in the market&rsquo;s view of the creditworthiness of Citigroup Global Markets Holdings Inc. or Citigroup Inc. Any decline,
or anticipated decline in the credit ratings of either entity, or any increase or anticipated increase in the credit spreads of either
entity, is likely to adversely affect the value of the notes. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The notes will not be listed on any securities exchange and you may not
be able to sell them prior to maturity.</B> The notes will not be listed on any securities exchange. Therefore, there may be little or
no secondary market for the notes. CGMI currently intends to make a secondary market in relation to the notes and to provide an indicative
bid price for the notes on a daily basis. Any indicative bid price for the notes provided by CGMI will be determined in CGMI&rsquo;s sole
discretion, taking into account prevailing market conditions and other relevant factors, and will not be a representation by CGMI that
the notes 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
notes.&nbsp;&nbsp;Accordingly, an investor must be prepared to hold the notes until maturity.</FONT></TD></TR></TABLE>

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The inclusion of underwriting fees and projected profit from hedging in
the issue price is likely to adversely affect secondary market prices.</B> Assuming no changes in market conditions or other relevant
factors, the price, if any, at which CGMI may be willing to purchase the notes in secondary market transactions will likely be lower than
the issue price since the issue price of the notes will include, and secondary market prices are likely to exclude, underwriting fees
paid with respect to the notes, as well as the cost of hedging our obligations under the notes. The cost of hedging includes the projected
profit that our affiliates may realize in consideration for assuming the risks inherent in managing the hedging transactions. The secondary
market prices for the notes are also likely to be reduced by the costs of unwinding the related hedging transactions. Our affiliates may
realize a profit from the expected hedging activity even if the value of the notes declines. In addition, any secondary market prices
for the notes may differ from values determined by pricing models used by CGMI, as a result of dealer discounts, mark-ups or other transaction
costs.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The price at which you may be able to sell your notes prior to maturity
will depend on a number of factors and may be substantially less than the amount you originally invest.&nbsp;&nbsp;</B>A number of factors
will influence the value of the notes in any secondary market that may develop and the price at which CGMI may be willing to purchase
the notes in any such secondary market, including: the level and volatility of SOFR, interest rates in the market, the time remaining
to maturity of the notes, hedging activities by our affiliates, fees and projected hedging fees and profits and any actual or anticipated
changes in the credit ratings, financial condition and results of either Citigroup Global Markets Holdings Inc. or Citigroup Inc. The
value of the notes will vary and is likely to be less than the issue price at any time prior to maturity, and sale of the notes prior
to maturity may result in a loss.</FONT></TD></TR></TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The calculation agent, which is an affiliate of the issuer, will make determinations
with respect to the notes. </B>Citibank, N.A., the calculation agent for the notes, is an affiliate of ours. As calculation agent, Citibank,
N.A. will determine, among other things, the level of SOFR and will calculate the interest payable to you on each interest payment date.
Any of these determinations or calculations made by Citibank, N.A. in its capacity as calculation agent, including with respect to the
calculation of the level of SOFR in the event of the unavailability of the level of SOFR, may adversely affect the amount of one or more
interest payments to you.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Hedging and trading activity by us and our affiliates could result in a
conflict of interest.</B> One or more of our affiliates will likely enter into hedging transactions. This hedging activity will likely
involve trading in instruments, such as options, swaps or futures, based upon SOFR. This hedging activity may present a conflict between
your interest in the notes and the interests our affiliates have in executing, maintaining and adjusting their hedge transactions because
it could affect the price at which our affiliate CGMI may be willing to purchase your notes in the secondary market. Because hedging our
obligations under the notes involves risk and may be influenced by a number of factors, it is possible that our affiliates may profit
from the expected hedging activity, even if the value of the notes declines.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><B>SOFR is a relatively new market index and as the
related market continues to develop, there may be an adverse effect on the return on or value of the notes. </B>The Federal Reserve Bank
of New York (the &ldquo;NY Federal Reserve&rdquo;) began to publish SOFR in April 2018. Although the NY Federal Reserve has also begun
publishing historical indicative SOFR going back to 2014, such prepublication historical data inherently involves assumptions, estimates
and approximations. You should not rely on any historical changes or trends in SOFR as an indicator of the future performance of SOFR.
Since the initial publication of SOFR, daily changes in the rate have, on occasion, been more volatile than daily changes in comparable
benchmark or market rates. As a result, the return on the notes may fluctuate more than floating rate securities that are linked to less
volatile rates.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="background-color: white">The notes likely will
have no established trading market when issued, and an established trading market may never develop or may not be very liquid. Market
terms for securities indexed to SOFR, such as the spread over the index reflected in interest rate provisions, may evolve over time, and
the value of the notes may be lower than those of later-issued SOFR-linked securities as a result. Similarly, if SOFR does not prove to
be widely used in securities like the notes, the value of the notes may be lower than those of securities linked to rates that are more
widely used. You may not be able to sell the notes at all or may not be able to sell the notes at prices that will provide a yield comparable
to similar investments that have a developed secondary market, and may consequently suffer from increased pricing volatility and market
risk.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="background-color: white">The NY Federal Reserve
notes on its publication page for SOFR that use of SOFR is subject to important limitations, indemnification obligations and disclaimers,
including that the NY Federal Reserve may alter the methods of calculation, publication schedule, rate revision practices or availability
of SOFR at any time without notice. There can be no guarantee that SOFR will not be discontinued or fundamentally altered in a manner
that is materially adverse to the interests of investors in the notes. If the manner in which SOFR is calculated is changed or if SOFR
is discontinued, that change or discontinuance may result in a reduction or elimination of the amount of interest payable on the notes
and a reduction in the value of the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&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"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><B>The formula used to determine the interest rate
on the notes is relatively new in the market, and as the related market continues to develop there may be an adverse effect on return
on or value of the notes.&nbsp;&nbsp;</B>The interest rate on the notes during the floating rate period is based on a formula used to
calculate a daily compounded SOFR rate, which is relatively new in the market. For each interest period, the interest rate on the notes
is based on a daily compounded SOFR rate calculated using the formula described in &ldquo;Determination of SOFR&rdquo; below. This interest
rate will not be the SOFR rate published on or for a particular day during such interest period or an average of SOFR rates during such
period nor will it be the same as the interest rate on other SOFR-linked notes that use an alternative formula to determine the interest
rate. Also, if the SOFR rate for a particular day during an interest period is negative, inclusion of that rate in the calculation will
reduce the interest rate for such interest period; <I>provided</I> that in no event will the interest payable on the notes be less than
zero.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="background-color: white">Additionally, market
terms for notes linked to SOFR may evolve over time, and the value of the notes may be lower than those of later-issued SOFR-linked securities
as a result. Similarly, if the formula to calculate daily compounded SOFR for the notes does not prove to be widely used in other securities
like the notes, the trading price of the notes may be lower than those of securities having a formula more widely used. You may not be
able to sell the notes at all or may not be able to sell the notes at prices that will provide a yield comparable to similar investments
that have a developed secondary market, and may consequently suffer from increased pricing volatility and market risk.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="background-color: white">The NY Federal Reserve
(or a successor), as administrator of SOFR, may also make methodological or other changes that could change the value of SOFR, including
changes related to the method by which SOFR is calculated, eligibility criteria applicable to the transactions used to calculate SOFR,
or timing related to the publication of SOFR. In addition, the administrator may alter, discontinue or suspend calculation or dissemination
of SOFR (in which case a fallback method of determining interest rates on the notes will apply). The administrator has no obligation to
consider the interests of holders of notes when calculating, adjusting, converting, revising or discontinuing SOFR.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&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"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><B>The interest rate on the notes will be determined
using alternative methods if SOFR is no longer available, and that may have an adverse effect on the return on and value of the notes.&nbsp;&nbsp;</B>The
terms of the notes provide that if a benchmark transition event and its related benchmark replacement date occur with respect to SOFR,
the interest rate payable on the notes will be determined using the next-available benchmark replacement. As described above, these replacement
rates and spreads may be selected or formulated by (i) the relevant governmental body (such as the Alternative Reference Rates Committee
of the NY Federal Reserve) (ii) the International Swaps and Derivatives Association, Inc. or (iii) in certain circumstances, Citigroup
(or one of its affiliates). In addition, the terms of the notes expressly authorize Citigroup (or one of its affiliates) to make benchmark
</FONT></TD></TR></TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="background-color: white">replacement conforming
changes with respect to, among other things, the determination of interest periods and the timing and frequency of determining rates and
making payments of interest.&nbsp;&nbsp;The interests of Citigroup (or its affiliate) in making the determinations described above may
be adverse to your interests as a holder of the notes.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="background-color: white">The application of
a benchmark replacement and benchmark replacement adjustment, and any implementation of benchmark replacement conforming changes, or any
implementation of a substitute, successor or alternative reference rate could result in adverse consequences to the interest rate payable
on the notes, which could adversely affect the return on, value of and market for the notes. Further, there is no assurance that the characteristics
of any substitute, successor or alternative reference rate or benchmark replacement will be similar to SOFR or the then-current benchmark
that it is replacing, or that any benchmark replacement will produce the economic equivalent of SOFR or the then-current benchmark that
it is replacing.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&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"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>We or our subsidiaries or affiliates may publish research that could affect
the market value of the notes.&nbsp;&nbsp;</B>We or our subsidiaries or affiliates may, at present or in the future, publish research
reports with respect to movements in interest rates generally, or the LIBOR transition or SOFR specifically. This research is modified
from time to time without notice and may express opinions or provide recommendations that are inconsistent with purchasing or holding
the notes. Any of these activities may affect the market value of the notes.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>You will have no rights against the publisher of SOFR.</B> You will have
no rights against the publisher of SOFR even though the amount you receive on each interest payment date will depend upon the level of
SOFR. The publisher of SOFR is not in any way involved in this offering and has no obligations relating to the notes or the holders of
the notes.</FONT></TD></TR></TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>General Information</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 26%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Temporary adjustment period:</B></FONT></TD>
    <TD STYLE="width: 74%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For a period of approximately three months following issuance of the notes, the price, if any, at which CGMI would be willing to buy the notes from investors, and the value that will be indicated for the notes 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 notes. The amount of this temporary upward adjustment will decline to zero on a straight-line basis over the three-month temporary adjustment period.&nbsp;&nbsp;However, CGMI is not obligated to buy the notes from investors at any time.&nbsp;&nbsp;See &ldquo;Risk Factors&mdash;The notes will not be listed on any securities exchange and you may not be able to sell them prior to maturity.&rdquo;</FONT></P>
                           <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(220,235,244)">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>U.S. federal income tax considerations:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of our counsel, Davis Polk &amp; Wardwell LLP, the notes
    should be treated as &ldquo;variable rate debt instruments,&rdquo; and the remaining discussion is based on this treatment. Based on market
    conditions as of the pricing date, we will determine whether the notes are treated for U.S. federal income tax purposes (1) as providing
    for a single qualified floating rate (&ldquo;QFR&rdquo;) or (2) as providing for a single fixed rate followed by a QFR.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the initial fixed rate on the notes is within 25 basis points of
    the floating rate on the issue date, the notes will be treated as providing for a single floating rate. Under this treatment, all stated
    interest on the notes will generally be treated as qualified stated interest (&ldquo;QSI&rdquo;) and be taxable to a U.S. Holder (as defined
    in the accompanying prospectus supplement) at the time it accrues or is received in accordance with the U.S. Holder&rsquo;s method of
    tax accounting.</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">However, if the initial fixed rate is not within 25 basis points of
    the floating rate, the notes may be treated as issued with original issue discount (&ldquo;OID&rdquo;). In order to determine the amount
    of QSI and OID in respect of the notes, an equivalent fixed rate debt instrument must be constructed. The equivalent fixed rate debt instrument
    is constructed in the following manner: (i) first, the initial fixed rate is converted to a QFR that would preserve the fair market value
    of the notes, and (ii) second, each QFR (including the QFR determined under (i) above) is converted to a fixed rate substitute (which
    will generally be the value of that QFR as of the issue date of the notes). The rules described under &ldquo;United States Federal Tax
    Considerations&mdash;Tax Consequences to U.S. Holders&mdash;Original Issue Discount&rdquo; in the accompanying prospectus supplement are
    then applied to the equivalent fixed rate debt instrument for purposes of calculating the amount of OID on the notes. Under these rules,
    the notes will generally be treated as providing for QSI at a rate equal to the lowest rate of interest in effect at any time under the
    equivalent fixed rate debt instrument, and any interest in excess of that rate will generally be treated as part of the stated redemption
    price at maturity and, therefore, as giving rise to OID. Based on the application of these rules to the notes, we will indicate in the
    final pricing supplement if the notes are issued with OID.</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">QSI on the notes will generally be taxable to a U.S. Holder (as defined
    in the accompanying prospectus supplement) as ordinary interest income at the time it accrues or is received in accordance with the U.S.
    Holder&rsquo;s method of tax accounting. If the notes are issued with OID, a U.S. Holder will be required to include the OID in income
    for federal income tax purposes as it accrues, in accordance with a constant-yield method based on a compounding of interest. If the notes
    are not issued with OID, all stated interest on the notes will be treated as QSI and will be taxable to a U.S. Holder as ordinary interest
    income at the time it accrues or is received in accordance with the U.S. Holder&rsquo;s method of tax accounting. If the amount of interest
    a U.S. Holder receives on the notes in a calendar year is greater than the interest assumed to be paid or accrued under the equivalent
    fixed rate debt instrument, the excess is treated as additional QSI taxable to the U.S. Holder as ordinary income. Otherwise, any difference
    will reduce the amount of QSI the U.S. Holder is treated as receiving and will therefore reduce the amount of ordinary income the U.S.
    Holder is required to take into income.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Upon the sale or other taxable disposition of a note, a U.S. Holder
    generally will recognize capital gain or loss equal to the difference between the amount realized on the disposition (other than any amount
    attributable to accrued QSI, which will be treated as a payment of interest) and the U.S. Holder&rsquo;s tax basis in the note. A U.S.
    Holder&rsquo;s tax basis in a note generally will equal the cost of the note to the U.S. Holder, increased by the amounts of OID (if any)
    previously included in income by the U.S. Holder with respect to the note and reduced by any payments other than QSI received by the U.S.
    Holder. Such gain or loss generally will be long-term capital gain or loss if the U.S. Holder has held the note for more than one year
    at the time of disposition.</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">Under current law Non-U.S. Holders (as defined in the accompanying prospectus
    supplement)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B> </B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
</TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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    <TD>&nbsp;</TD>
    <TD><P STYLE="margin-top: 0; margin-bottom: 0">generally will not be subject to U.S. federal withholding or income tax with respect to interest (or OID, if any) paid on
    and amounts received on the sale, exchange or retirement of the notes if they comply with applicable certification requirements. Special
    rules apply to Non-U.S. Holders whose income on the notes is effectively connected with the conduct of a U.S. trade or business or who
    are individuals present in the United States for 183 days or more in a taxable year.</P>
        <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
        <P STYLE="margin-top: 0; margin-bottom: 0"><B>You should read the section entitled &ldquo;United States Federal Tax Considerations&rdquo;
        in the accompanying prospectus supplement. The preceding discussion, when read in combination with that section, constitutes
        the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of owning and disposing
        of the notes.</B></P>
        <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
        <P STYLE="margin-top: 0; margin-bottom: 0"><B>You should also consult your tax adviser regarding all aspects of the U.S. federal tax consequences of an investment in the notes and any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</B></P>
        <P STYLE="margin-top: 0; margin-bottom: 0"><B>&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 26%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Trustee:</B></FONT></TD>
    <TD STYLE="width: 74%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; background-color: white">The Bank of New York Mellon (as trustee under an indenture dated March 8, 2016) will serve as trustee for the notes.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Use of proceeds and hedging:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The net proceeds received from the sale of the notes will be used for
    general corporate purposes and, in part, in connection with hedging our obligations under the notes through one or more of our affiliates.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Hedging activities related to the notes by one or more of our affiliates
    involves trading in one or more instruments, such as options, swaps and/or futures, based on SOFR and/or taking positions in any other
    available securities or instruments that we may wish to use in connection with such hedging and may include adjustments to such positions
    during the term of the notes. It is possible that our affiliates may profit from this hedging activity, even if the value of the notes
    declines. Profit or loss from this hedging activity could affect the price at which Citigroup Global Markets Holdings Inc.&rsquo;s affiliate,
    CGMI, may be willing to purchase your notes in the secondary market. For further information on our use of proceeds and hedging, 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></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>ERISA and IRA purchase considerations:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Please refer to &ldquo;Benefit Plan Investor Considerations&rdquo; in the accompanying prospectus supplement for important information for investors that are ERISA or other benefit plans or whose underlying assets include assets of such plans.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Fees and selling concessions:</B></FONT></TD>
    <TD>
    <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 notes, is acting as principal and will receive an underwriting fee of up to $0.30 for each note sold in
    this offering. The actual underwriting fee will be equal to up to $0.30 for each note sold by CGMI directly to the public and will otherwise
    be equal to the selling concession provided to selected dealers, as described in this paragraph. CGMI will pay selected dealers a selling
    concession of up to $0.30 for each note they sell.</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">Additionally, it is possible that CGMI and its affiliates may profit
    from expected hedging activity related to this offering, even if the value of the notes declines. You should refer to &ldquo;Risk Factors&rdquo;
    above and the section &ldquo;Use of Proceeds and Hedging&rdquo; in the accompanying prospectus.&nbsp;&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Supplemental information regarding plan of distribution; conflicts of interest:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The terms and conditions set forth in the Amended and Restated Global
    Selling Agency Agreement dated April 7, 2017 among Citigroup Global Markets Holdings Inc., Citigroup Inc. and the agents named therein,
    including CGMI, govern the sale and purchase of the notes.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The notes will not be listed on any securities exchange.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In order to hedge its obligations under the notes, Citigroup Global
    Markets Holdings Inc. expects to enter into one or more swaps or other derivatives transactions with one or more of its affiliates. You
    should refer to the sections &ldquo;Risk Factors&mdash;Hedging and trading activity by us or our affiliates could result in a conflict
    of interest,&rdquo; and &ldquo;General Information&mdash;Use of proceeds and hedging&rdquo; in this pricing supplement and the section
    &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 prospectus supplement for more information.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Calculation agent:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank, N.A., an affiliate of Citigroup Global Markets Holdings Inc., will serve as calculation agent for the notes. All determinations made by the calculation agent will be at the sole discretion of the calculation agent and will, in the absence of manifest error, be conclusive for all purposes and binding on Citigroup Global Markets Holdings Inc., Citigroup Inc. and the holders of the</FONT></TD></TR>
</TABLE>

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  <TR STYLE="background-color: rgb(220,235,244); vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><P STYLE="margin-top: 0; margin-bottom: 0">notes. Citibank, N.A. is obligated to carry out its duties and functions as calculation agent in good faith and using its reasonable judgment.</P>
        <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 26%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Paying agent:</B></FONT></TD>
    <TD STYLE="width: 74%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank, N.A. will serve as paying agent and registrar and will also hold the global security representing the notes as custodian for The Depository Trust Company (&ldquo;DTC&rdquo;).</FONT></P>
                           <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B>Contact:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clients may contact their local brokerage representative. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>We encourage you to also read the accompanying prospectus supplement
and prospectus, which can be accessed via the hyperlink on the cover page of this pricing supplement.</I></P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">On each interest payment date,
the amount of each interest payment will equal (i) the stated principal amount of the notes <I>multiplied by</I> the interest rate in
effect during the applicable interest period, <I>multiplied by</I> (ii) the quotient of the actual number of calendar days in such interest
period divided by 360. The interest rate applicable to each interest period during the floating rate period will be equal to the accrued
interest compounding factor (as defined under &ldquo;Determination of SOFR&rdquo; below) plus the floating rate spread, subject to the
minimum interest rate and maximum interest rate specified above.</FONT></P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For the purposes of calculating interest with respect to any interest
period during the floating rate period:</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Accrued interest compounding factor&rdquo; means, for the observation
period corresponding to such interest period, the result of the following formula:</P>

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

<P STYLE="text-align: center; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 61px; width: 230px"></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>where: </I></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 0pt 0.25in">&ldquo;d<SUB>0</SUB>&rdquo;, for any observation period,
is the number of U.S. government securities business days in the relevant observation period.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&ldquo;i&rdquo; is a series of whole numbers from one to
d<SUB>0</SUB>, each representing the relevant U.S. government securities business days in chronological order from, and including, the
first U.S. government securities business day in the relevant observation period.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&ldquo;SOFR<SUB>i</SUB>&rdquo;, for any day &ldquo;i&rdquo;
in the relevant observation period, is a reference rate equal to SOFR in respect of that day.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&ldquo;n<SUB>i</SUB>&rdquo;, for any day &ldquo;i&rdquo;
in the relevant observation period, is the number of calendar days from, and including, such U.S. government securities business day &ldquo;i&rdquo;
to, but excluding, the following U.S. government securities business day.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&ldquo;d&rdquo; is the number of calendar days in the relevant
observation period.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;SOFR&rdquo; means, with respect to any day, the rate determined
by the calculation agent in accordance with the following provisions:</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">(1)</TD><TD>the Secured Overnight Financing Rate for trades made on such day that appears at approximately 3:00 p.m. (New York City time) on the
NY Federal Reserve&rsquo;s website on the U.S. government securities business day immediately following such U.S. government securities
business day; or</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">(2)</TD><TD>if the rate specified in (1) above does not so appear, unless a benchmark transition event and its related benchmark replacement date
have occurred as described in (3) below, the Secured Overnight Financing Rate published on the NY Federal Reserve&rsquo;s website for
the first preceding U.S. government securities business day for which the Secured Overnight Financing Rate was published on the NY Federal
Reserve&rsquo;s website; or</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">(3)</TD><TD>if a benchmark transition event and its related benchmark replacement date have occurred prior to the relevant interest payment date,
the calculation agent will use the benchmark replacement to determine the rate and for all other purposes relating to the notes.</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">In connection with the SOFR definition above, the following definitions
apply:</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Benchmark&rdquo; means, initially, SOFR; <I>provided</I> that
if a benchmark transition event and its related benchmark replacement date have occurred with respect to SOFR or the then-current benchmark,
then &ldquo;benchmark&rdquo; means the applicable benchmark replacement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Benchmark replacement&rdquo; means the first alternative set
forth in the order below that can be determined by Citigroup (or one of its affiliates) as of the benchmark replacement date:</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">(1)</TD><TD>the sum of: (a) the alternate rate of interest that has been selected or recommended by the relevant governmental body as the replacement
for the then-current benchmark for the applicable corresponding tenor and (b) the benchmark replacement adjustment; or</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">(2)</TD><TD>the sum of: (a) the ISDA fallback rate and (b) the benchmark replacement adjustment; or</TD></TR></TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 100%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 18pt; color: rgb(136,136,136)">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="border-top: rgb(41,109,193) 1pt solid; padding: 0pt; font-size: 12pt; text-align: left">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>the sum of: (a) the alternate rate of interest that has been selected by Citigroup (or one of its affiliates) as the replacement for
the then-current benchmark for the applicable corresponding tenor giving due consideration to any industry-accepted rate of interest as
a replacement for the then-current benchmark for U.S. dollar-denominated floating rate notes at such time and (b) the benchmark replacement
adjustment.</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">&ldquo;Benchmark replacement adjustment&rdquo; means the first alternative
set forth in the order below that can be determined by Citigroup (or one of its affiliates) as of the benchmark replacement date:</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">(1)</TD><TD>the spread adjustment, or method for calculating or determining such spread adjustment, (which may be a positive or negative value
or zero) that has been selected or recommended by the relevant governmental body for the applicable unadjusted benchmark replacement;</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">(2)</TD><TD>if the applicable unadjusted benchmark replacement is equivalent to the ISDA fallback rate, then the ISDA fallback adjustment;</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">(3)</TD><TD>the spread adjustment (which may be a positive or negative value or zero) that has been selected by Citigroup (or one of its affiliates)
giving due consideration to any industry-accepted spread adjustment, or method for calculating or determining such spread adjustment,
for the replacement of the then-current benchmark with the applicable unadjusted benchmark replacement for U.S. dollar-denominated floating
rate notes at such time.</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">&ldquo;Benchmark replacement conforming changes&rdquo; means, with respect
to any benchmark replacement, any technical, administrative or operational changes that Citigroup (or one of its affiliates) decides may
be appropriate to reflect the adoption of such benchmark replacement in a manner substantially consistent with market practice (or, if
Citigroup (or such affiliate) decides that adoption of any portion of such market practice is not administratively feasible or if Citigroup
(or such affiliate) determines that no market practice for use of the benchmark replacement exists, in such other manner as Citigroup
(or such affiliate) determines is reasonably necessary).</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Benchmark replacement date&rdquo; means the earliest to occur
of the following events with respect to the then-current benchmark:</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">(1)</TD><TD>in the case of clause (1) or (2) of the definition of &ldquo;benchmark transition event,&rdquo; the later of (a) the date of the public
statement or publication of information referenced therein and (b) the date on which the administrator of the benchmark permanently or
indefinitely ceases to provide the benchmark; or</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">(2)</TD><TD>in the case of clause (3) of the definition of &ldquo;benchmark transition event,&rdquo; the date of the public statement or publication
of information referenced therein.</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">For the avoidance of doubt, if the event giving rise to the benchmark
replacement date occurs on the same day as, but earlier than, the reference time in respect of any determination, the benchmark replacement
date will be deemed to have occurred prior to the reference time for such determination.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Benchmark transition event&rdquo; means the occurrence of one
or more of the following events with respect to the then-current Benchmark:</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">(1)</TD><TD>a public statement or publication of information by or on behalf of the administrator of the benchmark announcing that such administrator
has ceased or will cease to provide the benchmark, permanently or indefinitely, provided that, at the time of such statement or publication,
there is no successor administrator that will continue to provide the benchmark;</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">(2)</TD><TD>a public statement or publication of information by the regulatory supervisor for the administrator of the benchmark, the central
bank for the currency of the benchmark, an insolvency official with jurisdiction over the administrator for the benchmark, a resolution
authority with jurisdiction over the administrator for the benchmark or a court or an entity with similar insolvency or resolution authority
over the administrator for the benchmark, which states that the administrator of the benchmark has ceased or will cease to provide the
benchmark permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator
that will continue to provide the benchmark; or</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">(3)</TD><TD>a public statement or publication of information by the regulatory supervisor for the administrator of the benchmark announcing that
the benchmark is no longer representative.</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">&ldquo;Corresponding tenor&rdquo; with respect to a benchmark replacement
means a tenor (including overnight) having approximately the same length (disregarding business day adjustment) as the applicable tenor
for the then-current benchmark.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;ISDA&rdquo; means the International Swaps and Derivatives Association,
Inc. or any successor thereto.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;ISDA definitions&rdquo; means the 2006 ISDA Definitions published
by ISDA, as amended or supplemented from time to time, or any successor definitional booklet for interest rate derivatives published from
time to time.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;ISDA fallback adjustment&rdquo; means the spread adjustment (which
may be a positive or negative value or zero) that would apply for derivatives transactions referencing the ISDA definitions to be determined
upon the occurrence of an index cessation event with respect to the benchmark for the applicable tenor.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;ISDA fallback rate&rdquo; means the rate that would apply for
derivatives transactions referencing the ISDA definitions to be effective upon the occurrence of an index cessation date with respect
to the benchmark for the applicable tenor excluding the applicable ISDA fallback adjustment.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;NY Federal Reserve&rdquo; means the Federal Reserve Bank of New
York.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;NY Federal Reserve&rsquo;s website&rdquo; means the website of
the NY Federal Reserve, currently at http://www.newyorkfed.org, or any successor website of the NY Federal Reserve or the website of any
successor administrator of the Secured Overnight Financing Rate.</P>

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

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


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Reference time&rdquo; with respect to any determination of the benchmark
means the time determined by Citigroup (or one of its affiliates) in accordance with the benchmark replacement conforming changes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Relevant governmental body&rdquo; means the Federal Reserve Board
and/or the NY Federal Reserve, or a committee officially endorsed or convened by the Federal Reserve Board and/or the NY Federal Reserve
or any successor thereto.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Unadjusted benchmark replacement&rdquo; means the benchmark replacement
excluding the benchmark replacement adjustment.</P>

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


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    <!-- Field: /Page -->

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SOFR is published by the <FONT STYLE="color: #231F20; background-color: white">NY
Federal Reserve</FONT> and is intended to be a broad measure of the cost of borrowing cash overnight collateralized by Treasury securities.
The NY Federal Reserve reports that SOFR includes all trades in the Broad General Collateral Rate, plus bilateral Treasury repurchase
agreement (&ldquo;repo&rdquo;) transactions cleared through the delivery-versus-payment service offered by the Fixed Income Clearing Corporation
(the &ldquo;FICC&rdquo;), a subsidiary of The Depository Trust &amp; Clearing Corporation (&ldquo;DTCC&rdquo;).&nbsp;&nbsp;SOFR is filtered
by the NY Federal Reserve to remove a portion of the foregoing transactions considered to be &ldquo;specials&rdquo;.&nbsp;&nbsp;According
to the NY Federal Reserve, &ldquo;specials&rdquo; are repos for specific-issue collateral which take place at cash-lending rates below
those for general collateral repos because cash providers are willing to accept a lesser return on their cash in order to obtain a particular
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">The NY Federal Reserve reports that SOFR is calculated as a volume-weighted
median of transaction-level tri-party repo data collected from The Bank of New York Mellon, which currently acts as the clearing bank
for the tri-party repo market, as well as General Collateral Finance Repo transaction data and data on bilateral Treasury repo transactions
cleared through the FICC&rsquo;s delivery-versus-payment service.&nbsp;&nbsp;The NY Federal Reserve notes that it obtains information
from DTCC Solutions LLC, an affiliate of DTCC.</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 NY Federal Reserve currently publishes SOFR daily on its website.&nbsp;&nbsp;The
NY Federal Reserve states on its publication page for SOFR that use of SOFR is subject to important disclaimers, limitations and indemnification
obligations, including that the NY Federal Reserve may alter the methods of calculation, publication schedule, rate revision practices
or availability of SOFR at any time without notice.&nbsp;&nbsp;Information contained in the publication page for SOFR is not incorporated
by reference in, and should not be considered part of, this pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This pricing supplement contains SOFR data and related information posted
to the NY Federal Reserve website. This pricing supplement is subject to the Terms of Use posted at newyorkfed.org. The NY Federal Reserve
is not responsible for publication of this pricing supplement by Citi, does not sanction or endorse any particular republication, and
has no liability for your use. This pricing supplement also describes products or services by reference to SOFR. Citi is not affiliated
with the NY Federal Reserve. The NY Federal Reserve does not sanction, endorse, or recommend any products or services offered by Citi.</P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SOFR was 4.16% on October 20, 2025.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The graph below shows the published daily rate for SOFR for each day
it was available from April 2, 2018 to October 20, 2025. We obtained the values below from Bloomberg L.P., without independent verification.
You should not take the historical performance of SOFR as an indication of future performance.</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>The historical rates do not reflect the daily compounding method
used to calculate the floating rate at which interest will be payable on the notes.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="padding-top: 4pt; width: 100%; border: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #2292D0"><B>Historical SOFR</B>&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #2292D0"><B>April 2, 2018 to October
20, 2025</B>&nbsp;</P></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-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #2292D0"><B><IMG SRC="image_002.jpg" ALT="" STYLE="height: 336px; width: 572px"></B></FONT></TD></TR>
  </TABLE>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #0070C0">Prohibition of Sales to EEA Retail Investors</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #0070C0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">The notes may not be offered,
sold or otherwise made available to any retail investor in the European Economic Area.&nbsp;&nbsp;For the purposes of this provision:</FONT></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">(a)</TD><TD><FONT STYLE="background-color: white">the expression &ldquo;retail investor&rdquo; means a person who is one (or more) of the following:</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="background-color: white">a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended,
&ldquo;MiFID II&rdquo;); or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="background-color: white">a customer within the meaning of Directive 2002/92/EC, where that customer would not qualify
as a professional client as defined in point (10) of Article 4(1) of MiFID II; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="background-color: white">not a qualified investor as defined in Directive 2003/71/EC; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD><FONT STYLE="background-color: white">the expression &ldquo;offer&rdquo; includes the communication in any form and by any means of
sufficient information on the terms of the offer and the notes offered so as to enable an investor to decide to purchase or subscribe
the notes.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #2292D0">Prohibition of Sales to United
Kingdom Retail Investors</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">The notes may not be offered, sold or otherwise
made available to any retail investor in the United Kingdom. For the purposes of this provision:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&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">(a)</TD><TD STYLE="text-align: justify">the expression &ldquo;retail investor&rdquo; means a person who is one (or more) of the following:</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: 0.75in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD STYLE="text-align: justify">a retail client, as defined in point (8) of Article 2 of Regulation (EU) No 2017/565 as it forms part
of United Kingdom domestic law by virtue of the European Union (Withdrawal) Act 2018 (the &ldquo;EUWA&rdquo;) and the regulations made
under the EUWA; or</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: 0.75in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD STYLE="text-align: justify">a customer within the meaning of the provisions of the Financial Services and Markets Act 2000 (as amended)
(the &ldquo;FSMA&rdquo;) and any rules or regulations made under the FSMA to implement Directive (EU) 2016/97, where that customer would
not qualify as a professional client, as defined in point (8) of Article 2(1) of Regulation (EU) No 600/2014 as it forms part of United
Kingdom domestic law by virtue of the EUWA and the regulations made under the EUWA; or</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: 0.75in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD STYLE="text-align: justify">not a qualified investor as defined in Regulation (3)(e) of the Prospectus Regulation; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD STYLE="text-align: justify">the expression &ldquo;offer&rdquo; includes the communication in any form and by any means of sufficient
information on the terms of the offer and the notes offered so as to enable an investor to decide to purchase or subscribe the notes.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We reserve the right to withdraw, cancel or modify any offering of the
notes and to reject orders in whole or in part prior to their issuance.</P>

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

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

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


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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
