<SEC-DOCUMENT>0000950103-25-013828.txt : 20251029
<SEC-HEADER>0000950103-25-013828.hdr.sgml : 20251029
<ACCEPTANCE-DATETIME>20251029170746
ACCESSION NUMBER:		0000950103-25-013828
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20251029
DATE AS OF CHANGE:		20251029

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:		251430906

	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:		251430907

	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>dp236506_424b2-us2524906d.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

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    <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. This preliminary pricing supplement, the accompanying product supplement, underlying
supplement, prospectus supplement and prospectus are not an offer to sell these notes, nor are they soliciting an offer to buy these
notes, in any state where the offer or sale is not permitted.&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">SUBJECT TO COMPLETION, DATED OCTOBER
29, 2025&nbsp;</P></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 33%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 67%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 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 0; text-align: right; color: #888888"><B>Registration Statement Nos.
333-270327 and 333-270327-01</B></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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

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

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    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #888888"><B>November</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 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #888888"><B>Medium-Term Senior Notes, Series N </B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #888888"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #888888"><B>Pricing Supplement No. 2025-USNCH29147 to Product
    Supplement No. EA-09-02<BR>
    dated March 23, 2023, Underlying Supplement No. 11 dated March 7, 2023 and<BR>
    Prospectus Supplement and Prospectus each dated March 7, 2023</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #888888"></P></TD>
    <TD STYLE="white-space: nowrap; width: 24%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 14pt; color: white"><IMG SRC="image_004.jpg" ALT="citi_logo_Blue" STYLE="height: 65px; width: 94px"></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B></B></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: #EDEFEE">
    <TD STYLE="width: 100%">
    <P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; text-align: justify; color: #BB0826"><B>Citigroup Global Markets
    Holdings Inc.</B></P>
    <P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; text-align: justify; color: #BB0826"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; text-align: justify; color: #BB0826"><B>All Payments Due from
    Citigroup Global Markets Holdings Inc. Fully and Unconditionally Guaranteed by Citigroup Inc.</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; text-align: justify; color: #BB0826"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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

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

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

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    <TD STYLE="width: 100%">
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; color: #BB0826"><B>Market Linked Notes&mdash;Upside Participation
    to a Cap and Principal Return at Maturity</B></P>
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; color: #BB0826"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; color: #BB0826"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP>
    Index due November 29, 2029</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.4pt 0pt 0; color: #BB0826"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 100%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.5pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Linked
    to the S&amp;P 500<SUP>&reg;</SUP> Index (the &ldquo;underlying&rdquo;) </FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.5pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Unlike
    ordinary debt securities, the notes do not pay interest.&nbsp;Instead, the notes provide for a maturity payment amount that may be greater
    than or equal to the stated principal amount of the notes, depending on the performance of the underlying from the starting value to the
    ending value, subject to the maximum return. The maturity payment amount will reflect the following terms:</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 35.75pt; text-align: justify; text-indent: -13.95pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;If
    the ending value is greater than the starting value, you will receive the stated principal amount plus a positive return equal to 100%
    of the percentage increase in the value of the underlying from the starting value, subject to a maximum return of at least 20.00% (to
    be determined on the pricing date) of the stated principal amount</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 35.75pt; text-align: justify; text-indent: -13.95pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 35.75pt; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;If
    the ending value is less than or equal to the starting value, you will be repaid the stated principal amount but will not receive any
    positive return on your investment</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 35.75pt; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Repayment
    of principal at maturity regardless of underlying performance (subject to issuer credit risk)</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;All
    payments on the notes are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.; if Citigroup Global
    Markets Holdings Inc. and Citigroup Inc. default on their obligations, you could lose some or all of your investment</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;No
    periodic interest payments or dividends</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;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></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 22.25pt; text-align: justify; text-indent: -13.7pt; color: white"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>The notes have complex features and investing
in the notes involves risks not associated with an investment in conventional debt securities. See &ldquo;Summary Risk Factors&rdquo;
beginning on page PS-6 and &ldquo;Risk Factors&rdquo; beginning on page PS-5 of the accompanying product supplement and beginning on page
S-1 of the accompanying prospectus supplement. </B></P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>The notes are unsecured debt obligations issued
by Citigroup Global Markets Holdings Inc. and guaranteed by Citigroup Inc.&nbsp;&nbsp;All payments due on the notes are subject to the
credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.&nbsp;&nbsp;None of Wells Fargo Securities, LLC (&ldquo;Wells
Fargo&rdquo;) or any of its affiliates will have any liability to the purchasers of the notes in the event Citigroup Global Markets Holdings
Inc. defaults on its obligations under the notes and Citigroup Inc. defaults on its guarantee obligations.&nbsp;&nbsp;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: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: top; width: 54%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 22%; border-bottom: Black 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Per Note</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 24%; border-bottom: Black 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Public Offering Price<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Maximum Underwriting Discount and Commission<SUP>(2)(3)</SUP></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$43.25</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds to Citigroup Global Markets Holdings Inc.<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$956.75</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">(1) Citigroup Global Markets Holdings Inc. currently
expects that the estimated value of the notes on the pricing date will be at least $900.00 per note, which will be less than the public
offering price.&nbsp;&nbsp;The estimated value of the notes is based on Citigroup Global Markets Inc.&rsquo;s (&ldquo;CGMI&rdquo;) proprietary
pricing models and our internal funding rate. It is not an indication of actual profit to CGMI or other of our affiliates, nor is it an
indication of the price, if any, at which any person may be willing to buy the notes from you at any time after issuance.&nbsp;&nbsp;See
&ldquo;Valuation of the Notes&rdquo; in this pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">(2) CGMI, an affiliate of Citigroup Global Markets
Holdings Inc., as the lead agent for the offering, expects to sell the notes to Wells Fargo, as agent. Wells Fargo will receive an underwriting
discount and commission of up to 4.325% ($43.25) for each note it sells. Wells Fargo may pay selected dealers, which may include Wells
Fargo Advisors (&ldquo;WFA&rdquo;) (the trade name of the retail brokerage business of its affiliates, Wells Fargo Clearing Services,
LLC and Wells Fargo Advisors Financial Network, LLC), a fixed selling commission of 2.75% ($27.50) for each note they sell.&nbsp;&nbsp;In
addition to the selling commission allowed to WFA, Wells Fargo may pay $0.75 per note of the underwriting discount and commission to WFA
as a distribution expense fee for each note sold by WFA. The total underwriting discount and commission and proceeds to Citigroup Global
Markets Holdings Inc. shown above give effect to the actual underwriting discount and commission provided for the sale of the notes.&nbsp;&nbsp;See
&ldquo;Supplemental Plan of Distribution&rdquo; below and &ldquo;Use of Proceeds and Hedging&rdquo; in the accompanying prospectus for
further information regarding how we have hedged our obligations under the notes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">(3) In respect
of certain notes sold in this offering, CGMI may pay a fee of up to $2.00 per note to selected securities dealers in consideration for
marketing and other services in connection with the distribution of the notes to other securities dealers.</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Citigroup Global Markets Inc.</B></FONT></TD>
    <TD STYLE="width: 50%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Wells Fargo Securities</B></FONT></TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
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    <TD STYLE="width: 100%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Terms of the Notes</B></FONT></TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-top: 4pt; width: 16%; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Underlying:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 84%; padding-left: 5.6pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    S&amp;P 500<SUP>&reg;</SUP> Index</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Issuer:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 5.3pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citigroup
    Global Markets Holdings Inc., a wholly owned subsidiary of Citigroup Inc.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Guarantee:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 5.3pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">All payments
    due on the notes are fully and unconditionally guaranteed by Citigroup Inc.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Stated
    Principal Amount:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 5.3pt; font-size: 12pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000
    per note. References in this pricing supplement to a &ldquo;note&rdquo; are to a note with a stated principal amount of $1,000.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Pricing
    Date</B>*<B>:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 5.3pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">November
    24, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Issue
    Date</B>*<B>:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 5.3pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">November
    28, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Calculation
    Day</B>*<B>:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 5.3pt; font-size: 12pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">November
    26, 2029, subject to postponement if such date is not a trading day or certain market disruption events occur as described in the
    accompanying product supplement. </FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Maturity
    Date</B>*<B>:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 5.3pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">November
    29, 2029, subject to postponement as described in the accompanying product supplement.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Maturity
    Payment Amount:</B></FONT></TD>
    <TD STYLE="padding: 4pt 6pt; text-align: justify"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">For each $1,000 stated principal amount note you hold at maturity:</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&bull;&nbsp;&nbsp; If the ending value is greater than the starting value: &nbsp;</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;$1,000 plus the lesser of:</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;(i) $1,000 &times; underlying return &times; participation rate; and</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the maximum return</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&bull;&nbsp;&nbsp; If the ending value is less than or equal to the starting value:&nbsp;&nbsp;$1,000</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>
                                                      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>If
                                            the ending value is less than or equal to the starting value, you will be repaid the stated
                                            principal amount of the notes at maturity but will not receive any positive return on your
                                            investment.</B></FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Participation
    Rate:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 6.6pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100% </FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Maximum
    Return:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 6.6pt; font-size: 12pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
    least 20.00% of the stated principal amount ($200 per note), to be determined on the pricing date. Because of the maximum return,
    the maturity payment amount will not exceed at least $1,200 per note.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Starting
    Value:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 6.6pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The closing
    value of the underlying on the pricing date</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Ending
    Value:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 6.6pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The closing
    value of the underlying on the calculation day</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Underlying
    Return:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 6.6pt; font-size: 12pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ending
    value &ndash; starting value) / starting value</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Calculation
    Agent:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 6.6pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CGMI</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Denominations:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; font-size: 12pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000
    and any integral multiple of $1,000</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 5.05pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CUSIP
    / ISIN:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; font-size: 12pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17331BUD9
    / US17331BUD99</FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-top: 4pt; font-size: 12pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">* Expected. To
    the extent that the issuer makes any change to the expected pricing date or expected issue date, the calculation day and maturity
    date may also be changed in the issuer&rsquo;s discretion to ensure that the term of the notes remains the same.</FONT></TD></TR>
  </TABLE>

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    <TD STYLE="width: 100%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Additional Information</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
terms of the notes are set forth in the accompanying product supplement, prospectus supplement and prospectus, as supplemented by this
pricing supplement.&nbsp;&nbsp;The accompanying product supplement, underlying supplement, prospectus supplement and prospectus contain
important disclosures that are not repeated in this pricing supplement.&nbsp;&nbsp;For example, the accompanying product supplement contains
important information about how the closing value of the underlying will be determined and other specified events with respect to the
underlying.&nbsp;&nbsp;The accompanying underlying supplement contains information about the underlying that is not repeated in this
pricing supplement.&nbsp;&nbsp;It is important that you read the accompanying product supplement, underlying supplement, prospectus supplement
and prospectus together with this pricing supplement in deciding whether to invest in the notes.&nbsp;&nbsp;Certain terms used but not
defined in this pricing supplement are defined in the accompanying product supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">When
we refer to &ldquo;we,&rdquo; &ldquo;us&rdquo; and &ldquo;our&rdquo; in this pricing supplement, we refer only to Citigroup Global Markets
Holdings Inc. and not to any of its affiliates, including Citigroup Inc.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">You
may access the product supplement, underlying supplement and prospectus supplement and prospectus on the SEC website www.sec.gov as follows
(or if such address has changed, by reviewing our filings for the relevant date on the SEC website):</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Product Supplement No. EA-09-02 dated March 23, 2023:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323004585/dp190174_424b2-wf0902.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/200245/000095010323004585/dp190174_424b2-wf0902.htm</A></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Underlying Supplement No. 11 dated March 7, 2023:<FONT STYLE="background-color: yellow"><BR>
</FONT></FONT><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm" STYLE="color: Blue; text-decoration: underline"><FONT STYLE="font-size: 10pt">https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm</FONT></A></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Prospectus Supplement and Prospectus, each dated March 7, 2023:<FONT STYLE="background-color: yellow"><BR>
</FONT></FONT><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm" STYLE="color: Blue; text-decoration: underline"><FONT STYLE="font-size: 10pt">https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm</FONT></A></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"></FONT></P>


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    <TD STYLE="width: 100%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Investor Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The notes are not appropriate for all investors.
The notes may be an appropriate investment for investors who: </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek exposure to any upside performance of the underlying without exposure to any decline in the underlying,
by:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD STYLE="text-align: justify">participating at the specified participation rate in the percentage increase, if any, from the starting
value to the ending value, subject to the maximum return; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD STYLE="text-align: justify">providing for the repayment of the stated principal amount at maturity regardless of the performance of
the underlying;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">understand that if the ending value is less than or equal to the starting value, they will not receive
any positive return on their investment in the notes;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are willing to forgo interest payments on the notes and dividends on securities included in the underlying;
and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are willing to hold the notes to maturity.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The notes may not be an appropriate investment
for investors who: </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek a liquid investment or are unable or unwilling to hold the notes to maturity;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek certainty of receiving a positive return on their investment;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek uncapped exposure to the upside performance of the underlying;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek current income;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are unwilling to purchase notes with the estimated value set forth on the cover page;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the risk of exposure to the underlying;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek exposure to the underlying but are unwilling to accept the risk/return trade-offs inherent in the
maturity payment amount for the notes;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.;
or</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">prefer the lower risk of fixed income investments with comparable maturities issued by companies with
comparable credit ratings.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The considerations identified above are not
exhaustive. Whether or not the notes are an appropriate investment for you will depend on your individual circumstances, and you should
reach an investment decision only after you and your investment, legal, tax, accounting and other advisors have carefully considered the
appropriateness of an investment in the notes in light of your particular circumstances. You should also review carefully the &ldquo;Summary
Risk Factors&rdquo; herein and the &ldquo;Risk Factors&rdquo; in the accompanying product supplement for risks related to an investment
in the notes. For more information about the underlying, please see the information provided below. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="width: 100%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Determining Maturity Payment Amount</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">On
the maturity date, you will receive a cash payment per note (the maturity payment amount) calculated as follows:</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><IMG SRC="image_005.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="width: 100%; padding-left: 9pt; font-size: 12pt; text-align: center; text-indent: -9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Summary
    Risk Factors</B></FONT></TD></TR>
  </TABLE>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
following is a summary of certain key risk factors for investors in the notes.&nbsp;&nbsp;You should read this summary together with
the more detailed description of risks relating to an investment in the notes contained in the section &ldquo;Risk Factors&rdquo; beginning
on page PS-5 in the accompanying product supplement.&nbsp;&nbsp;You should also carefully read the risk factors included in the accompanying
prospectus supplement and in the documents incorporated by reference in the accompanying prospectus, including Citigroup Inc.&rsquo;s
most recent Annual Report on Form 10-K and any subsequent Quarterly Reports on Form 10-Q, which describe risks relating to the business
of Citigroup Inc. more generally.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>You
May Not Receive Any Positive Return On Your Investment In The Notes.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">You
will receive a positive return on your investment in the notes only if the ending value is greater than the starting value. If the ending
value is equal to or less than the starting value, you will receive only the stated principal amount for each note you hold at maturity.
As the notes do not pay any interest, even if the ending value is greater than the starting value, there is no assurance that your total
return at maturity on the notes will be as great as could have been achieved on conventional debt securities of ours or of another issuer
with a similar credit rating of comparable maturity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Notes Do Not Pay Interest.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unlike
conventional debt securities, the notes do not pay interest or any other amounts prior to maturity. You should not invest in the notes
if you seek current income during the term of the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Your
Potential Return On The Notes Is Limited.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Your
potential total return on the notes at maturity is limited to the maximum return. Your return on the notes will not exceed the maximum
return, even if the underlying appreciates by significantly more than the maximum return. If the underlying appreciates by more than
the maximum return, the notes will underperform an alternative investment providing 1-to-1 exposure to the performance of the underlying.&nbsp;&nbsp;When
lost dividends are taken into account, the notes may underperform an alternative investment providing 1-to-1 exposure to the performance
of the underlying and a pass-through of dividends even if the underlying appreciates by less than the maximum return.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>You
Will Not Receive Dividends Or Have Any Other Rights With Respect To The Securities Included In The Underlying.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">You
will not receive any dividends with respect to the securities included in the underlying.&nbsp;&nbsp;This lost dividend yield may be
significant over the term of the notes.&nbsp;&nbsp;The payment scenarios described in this pricing supplement do not show any effect
of lost dividend yield over the term of the notes.&nbsp;&nbsp;In addition, you will not have voting rights or any other rights with respect
to the securities included in the underlying.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Your
Maturity Payment Amount Depends On The Value Of The Underlying On A Single Day.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Because
your maturity payment amount depends on the value of the underlying solely on the calculation day, you are subject to the risk that the
value of the underlying on that day may be lower, and possibly significantly lower, than on one or more other dates during the term of
the notes. If you had invested in another instrument linked to the underlying that you could sell for full value at a time selected by
you, or if the maturity payment amount were based on an average of values of the underlying, you might have achieved better returns.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Although
The Notes Provide For The Repayment Of The Stated Principal Amount At Maturity, You May Nevertheless Suffer A Loss On Your Investment
In Real Value Terms If The Percentage Change From The Starting Value to the Ending Value Is Less Than Or Not Sufficiently Greater Than
Zero. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">This
is because inflation may cause the real value of the stated principal amount to be less at maturity than it is at the time you invest,
and because an investment in the notes represents a forgone opportunity to invest in an alternative asset that does generate a positive
real return. This potential loss in real value terms is significant given the term of the notes. You should carefully consider whether
an</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">investment
that may not provide for any positive return on your investment, or may provide a return that is lower than the return on alternative
investments, is appropriate for you.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Notes Are Subject To The Credit Risk Of Citigroup Global Markets Holdings Inc. And Citigroup Inc.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">If
we default on our obligations under the notes and Citigroup Inc. defaults on its guarantee obligations, you may not receive anything
owed to you under the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, 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></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
notes will not be listed on any securities exchange. Therefore, there may be little or no secondary market for the notes. We have been
advised that Wells Fargo currently intends to make a secondary market in relation to the notes. However, Wells Fargo may suspend or terminate
making a market without notice, at any time and for any reason. If Wells Fargo suspends or terminates making a market, there may be no
secondary market at all for the notes because it is likely that Wells Fargo will be the only broker-dealer that is willing to buy your
notes prior to maturity. Accordingly, an investor must be prepared to hold the notes until maturity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Sale
Of The Notes Prior To Maturity May Result In A Loss Of Principal.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">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. The value of the notes may fluctuate during the term of the
notes, and if you are able to sell your notes prior to maturity, you may receive less than the full stated principal amount of your notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Estimated Value Of The Notes On The Pricing Date, Based On CGMI&rsquo;s Proprietary Pricing Models And Our Internal Funding Rate, Is
Less Than The Public Offering Price. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
difference is attributable to certain costs associated with selling, structuring and hedging the notes that are included in the public
offering price. These costs include (i) any selling concessions or other fees paid in connection with the offering of the notes, (ii)
hedging and other costs incurred by us and our affiliates in connection with the offering of the notes and (iii) the expected profit
(which may be more or less than actual profit) to CGMI or other of our affiliates and/or Wells Fargo or its affiliates in connection
with hedging our obligations under the notes. These costs adversely affect the economic terms of the notes because, if they were lower,
the economic terms of the notes would be more favorable to you. The economic terms of the notes are also likely to be adversely affected
by the use of our internal funding rate, rather than our secondary market rate, to price the notes. See &ldquo;The Estimated Value Of
The Notes Would Be Lower If It Were Calculated Based On Wells Fargo&rsquo;s Determination Of The Secondary Market Rate With Respect To
Us&rdquo; below.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Estimated Value Of The Notes Was Determined For Us By Our Affiliate Using Proprietary Pricing Models. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">CGMI
derived the estimated value disclosed on the cover page of this pricing supplement from its proprietary pricing models. In doing so,
it may have made discretionary judgments about the inputs to its models, such as the volatility of the underlying, the dividend yields
on the securities included in the underlying and interest rates. CGMI&rsquo;s views on these inputs may differ from your or others&rsquo;
views, and as an underwriter in this offering, CGMI&rsquo;s interests may conflict with yours. Both the models and the inputs to the
models may prove to be wrong and therefore not an accurate reflection of the value of the notes. Moreover, the estimated value of the
notes set forth on the cover page of this pricing supplement may differ from the value that we or our affiliates may determine for the
notes for other purposes, including for accounting purposes. You should not invest in the notes because of the estimated value of the
notes. Instead, you should be willing to hold the notes to maturity irrespective of the initial estimated value.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Estimated Value Of The Notes Would Be Lower If It Were Calculated Based On Wells Fargo&rsquo;s Determination Of The Secondary Market
Rate With Respect To Us. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
estimated value of the notes included in this pricing supplement is calculated based on our internal funding rate, which is the rate
at which we are willing to borrow funds through the issuance of the notes. We expect that our internal funding rate is generally lower
than Wells Fargo&rsquo;s determination of the secondary market rate with respect to us, which is the rate that we expect Wells Fargo
will use in determining the value of the notes for purposes of any purchases of the notes from you in the secondary market. If the estimated
value included in this pricing supplement were based on Wells Fargo&rsquo;s determination of the secondary market rate with respect to
us, rather than our internal funding rate, it would likely be lower. We determine our internal funding rate based on factors such as
the costs associated with the notes, which are generally higher than the costs associated with conventional debt securities, and our
liquidity needs and preferences. Our internal funding rate is not an interest rate that is payable on the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Because
there is not an active market for traded instruments referencing our outstanding debt obligations, Wells Fargo may determine the secondary
market rate with respect to us for purposes of any purchase of the notes from you in the secondary market based on the market price of
traded instruments referencing the debt obligations of Citigroup Inc., our parent company and the guarantor of all payments due on the
notes, but subject to adjustments that Wells Fargo may deem appropriate.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Estimated Value Of The Notes Is Not An Indication Of The Price, If Any, At Which Any Person May Be Willing To Buy The Notes From You
In The Secondary Market. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Any
such secondary market price will fluctuate over the term of the notes based on the market and other factors described in the next risk
factor. Moreover, unlike the estimated value included in this pricing supplement, we expect that any value of the notes determined for
purposes of a secondary market transaction will be based on Wells Fargo&rsquo;s determination of the secondary market rate with respect
to us, which will likely result in a lower value for the notes than if our internal funding rate were used. In addition, we expect that
any secondary market price for the notes will be reduced by a bid-ask spread, which may vary depending on the aggregate stated principal
amount of the notes to be purchased in the secondary market transaction, and may be reduced by the expected cost of unwinding related
hedging transactions. As a result, it is likely that any secondary market price for the notes will be less than the public offering price.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Value Of The Notes Prior To Maturity Will Fluctuate Based On Many Unpredictable Factors. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
value of your notes prior to maturity will fluctuate based on the closing value of the underlying, the volatility of the closing value
of the underlying, the dividend yields on the securities included in the underlying, interest rates generally, the time remaining to
maturity and our and Citigroup Inc.&rsquo;s creditworthiness, as reflected in our secondary market rate, among other factors described
under <FONT STYLE="background-color: white">&ldquo;Ris</FONT>k Factors&mdash;General Risk Factors Relating To All Notes&mdash; The Value
Of Your Notes Prior To Maturity Will Fluctuate Based On Many Unpredictable Factors&rdquo; in the accompanying product supplement.&nbsp;&nbsp;Changes
in the value of the underlying may not result in a comparable change in the value of your notes. You should understand that the value
of your notes at any time prior to maturity may be significantly less than the public offering price.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>We
Have Been Advised That, Immediately Following Issuance, Any Secondary Market Bid Price Provided By Wells Fargo, And The Value That Will
Be Indicated On Any Brokerage Account Statements Prepared By Wells Fargo Or Its Affiliates, Will Reflect A Temporary Upward Adjustment.
</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
amount of this temporary upward adjustment will steadily decline to zero over the temporary adjustment period. See &ldquo;Valuation of
the Notes&rdquo; in this pricing supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Our
Offering Of The Notes Is Not A Recommendation Of The Underlying. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
fact that we are offering the notes does not mean that we or Wells Fargo or its affiliates believe that investing in an instrument linked
to the underlying is likely to achieve favorable returns. In fact, as we and Wells Fargo and its affiliates are each part of respective
global financial institutions, our affiliates and affiliates of Wells Fargo may have positions (including short positions) in the underlying
or in instruments related to the underlying, and may publish research or express opinions, that in each case are inconsistent with an
investment linked to the underlying. These and other activities of our affiliates or of Wells Fargo or its affiliates may affect the
closing value of the underlying in a way that negatively affects the value of and your return on the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Closing Value Of The Underlying May Be Adversely Affected By Our Or Our Affiliates&rsquo;, Or By Wells Fargo And Its Affiliates&rsquo;,
Hedging And Other Trading Activities. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">We
expect to hedge our obligations under the notes through CGMI or other of our affiliates and/or Wells Fargo or its affiliates, who may
take positions in the underlying or in financial instruments related to the underlying and may adjust such positions during the term
of the notes. Our affiliates and Wells Fargo and its affiliates may also take positions in the underlying or in financial instruments
related to the underlying on a regular basis (taking long or short positions or both), for their accounts, for other accounts under their
management or to facilitate transactions on behalf of customers. These activities could affect the closing value of the underlying in
a way that negatively affects the value of and your return on the notes. They could also result in substantial returns for us or our
affiliates or Wells Fargo and its affiliates while the value of the notes declines.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>We
And Our Affiliates And Wells Fargo And Its Affiliates May Have Economic Interests That Are Adverse To Yours As A Result Of Our And Their
Respective Business Activities.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Our
affiliates and Wells Fargo and its affiliates engage in business activities with a wide range of companies.&nbsp;&nbsp;These activities
include extending loans, making and facilitating investments, underwriting securities offerings and providing advisory services.&nbsp;&nbsp;These
activities could involve or affect the underlying in a way that negatively affects the value of and your return on the notes. They could
also result in substantial returns for us or our affiliates or Wells Fargo or its affiliates while the value of the notes declines.&nbsp;&nbsp;In
addition, in the</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">course
of this business, we or our affiliates or Wells Fargo or its affiliates may acquire non-public information, which will not be disclosed
to you.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Calculation Agent, Which Is An Affiliate Of Ours, Will Make Important Determinations With Respect To The Notes. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">If
certain events occur during the term of the notes, such as market disruption events and other events with respect to the underlying,
CGMI, as calculation agent, will be required to make discretionary judgments that could significantly affect your return on the notes.&nbsp;&nbsp;In
making these judgments, the calculation agent&rsquo;s interests as an affiliate of ours could be adverse to your interests as a holder
of the notes.&nbsp;&nbsp;<FONT STYLE="background-color: white">See &ldquo;Risk Facto</FONT>rs&mdash;General Risk Factors Relating To
All Notes&mdash;The Calculation Agent, Which Is An Affiliate Of Ours, Will Make Important Determinations With Respect To The Notes&rdquo;
in the accompanying product supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Changes
That Affect The Underlying May Affect The Value Of Your Notes. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
sponsor of the underlying may at any time make methodological changes or other changes in the manner in which it operates that could
affect the value of the underlying.&nbsp;&nbsp;We are not affiliated with the underlying sponsor and, accordingly, we have no control
over any changes the sponsor may make.&nbsp;&nbsp;Such changes could adversely affect the performance of the underlying and the value
of and your return on the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Stated Maturity Date May Be Postponed If The Calculation Day Is Postponed.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
calculation day will be postponed for non-trading days and certain market disruption events. If such a postponement occurs, the maturity
date will be postponed. For more information regarding adjustments to the calculation days and payment dates and the circumstances that
may result in a market disruption event, see the relevant sections of the accompanying product supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>You
Will Be Required To Recognize Taxable Income On The Notes Prior To Maturity</B>.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">If
you are a U.S. holder of a note, you will be required to recognize taxable interest income in each year that you hold the note, even
though you will not receive any payment in respect of the note prior to maturity (or earlier sale, exchange or retirement). In addition,
any gain you recognize will be treated as ordinary interest income rather than capital gain. You should review the section of this pricing
supplement entitled &ldquo;United States Federal Tax Considerations.&rdquo;</FONT></P>

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


<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="width: 100%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Hypothetical Examples and Returns</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
payout profile, return table and examples below illustrate how to determine the maturity payment amount on the notes, assuming the various
hypothetical ending values indicated below.&nbsp;&nbsp;The examples are solely for illustrative purposes, do not show all possible outcomes
and are not a prediction of what the actual maturity payment amount on the notes will be.&nbsp;&nbsp;The actual maturity payment amount
will depend on the actual ending value.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
examples below are based on a hypothetical starting value of 100, rather than the actual starting value.&nbsp;&nbsp;For the actual starting
value, see &ldquo;Terms of the Notes&rdquo; above.&nbsp;&nbsp;We have used this hypothetical value, rather than the actual value, to
simplify the calculations and aid understanding of how the notes work.&nbsp;&nbsp;However, you should understand that the actual maturity
payment amount on the notes will be calculated based on the actual starting value, and not the hypothetical value indicated below. The
examples below assume that the maximum return will be set at the lowest value indicated in &ldquo;Terms of the Notes&rdquo; above. The
actual maximum return will be determined on the pricing date.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical
Payout Profile</B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><IMG SRC="image_002.gif" ALT="" STYLE="height: 436px; width: 692px"></B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Wingdings; color: #4A7EBB">n</FONT>The
    Notes&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">n</FONT>The Underlying</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical
Returns</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: #688FCF 1pt solid; width: 40%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ending
    value</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"></FONT></P></TD>
    <TD STYLE="border-bottom: #688FCF 1pt solid; text-align: center; width: 24%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Hypothetical</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>underlying return</B></FONT></P></TD>
    <TD STYLE="border-bottom: #688FCF 1pt solid; text-align: center; width: 20%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Hypothetical</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>maturity payment</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>amount per&nbsp;note</B></FONT></P></TD>
    <TD STYLE="border-bottom: #688FCF 1pt solid; text-align: center; width: 16%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Hypothetical</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>total pre-tax</B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>rate&nbsp;of&nbsp;return</B></FONT></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">175.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">150.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">140.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">130.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">120.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">110.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">105.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,050.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">90.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-10.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">80.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-20.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">70.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-30.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-40.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-50.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-75.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-100.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical
Examples</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Example
1&mdash;Upside Scenario A.</B> The hypothetical ending value is 105 (a 5% increase from the starting value), which is <B>greater than</B>
the starting value.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Maturity payment
amount per note = $1,000 <I>plus </I>the lesser of:</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">(i) $1,000
&times; underlying return &times; participation rate and (ii) the maximum return</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">= $1,000 +
the lesser of: (i) ($1,000 &times; 5% &times; 100%) and (ii) $200</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">= $1,000 +
the lesser of: (i) $50 and (ii) $200</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">= $1,050</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Because
the underlying appreciated from the starting value to the hypothetical ending value, you would receive a total return at maturity equal
to the upside performance of the underlying <I>multiplied by</I> the participation rate, which in this case is less than the maximum
return.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Example
2&mdash;Upside Scenario B.</B> The hypothetical ending value is 140 (a 40% increase from the starting value), which is <B>greater than</B>
the starting value.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Maturity payment
amount per note = $1,000 <I>plus </I>the lesser of:</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">(i) $1,000
&times; underlying return &times; participation rate and (ii) the maximum return</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">= $1,000 +
the lesser of: (i) ($1,000 &times; 40% &times; 100%) and (ii) $200</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">= $1,000 +
the lesser of: (i) $400 and (ii) $200</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">= $1,200</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Because
the underlying appreciated from the starting value to the hypothetical ending value and the upside performance of the underlying <I>multiplied
by</I> the participation rate exceeds the maximum return, your total return at maturity would be limited to the maximum return in this
case. In this scenario, an investment in the notes would underperform a hypothetical alternative investment providing 1-to-1 exposure
to the appreciation of the underlying without a maximum return.</FONT></P>

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


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Example
3&mdash;Par Scenario.</B> The hypothetical ending value is 90 (a 10% decrease from the starting value), which is <B>less than</B> the
starting value.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Maturity payment
amount per note = $1,000</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Because
the hypothetical ending value is less than the starting value, you would be repaid the stated principal amount of your notes at maturity
but would not receive any positive return on your investment.</FONT></P>

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


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  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Information
    About the S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">The
S&amp;P 500<SUP>&reg;</SUP> Index consists of the common stocks of 500 issuers selected to provide a performance benchmark for the large
capitalization segment of the U.S. equity markets. It is calculated and maintained by S&amp;P Dow Jones Indices LLC.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">Please
refer to the section &ldquo;Equity Index Descriptions&mdash;The S&amp;P U.S. Indices&rdquo; in the accompanying underlying supplement
for additional information.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">We
have derived all information regarding the S&amp;P 500<SUP>&reg;</SUP> Index from publicly available information and have not independently
verified any information regarding the S&amp;P 500<SUP>&reg;</SUP> Index.&nbsp;&nbsp;This pricing supplement relates only to the notes
and not to the S&amp;P 500<SUP>&reg;</SUP> Index.&nbsp;&nbsp;We make no representation as to the performance of the S&amp;P 500<SUP>&reg;</SUP>
Index over the term of the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">The
notes represent obligations of Citigroup Global Markets Holdings Inc. (guaranteed by Citigroup Inc.) only.&nbsp;&nbsp;The sponsor of
the S&amp;P 500<SUP>&reg;</SUP> Index is not involved in any way in this offering and has no obligation relating to the notes or to holders
of the notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Information </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The closing value of the S&amp;P 500<SUP>&reg;</SUP> Index on October
28, 2025 was 6,890.89.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The graph below shows the closing value of the
S&amp;P 500<SUP>&reg;</SUP> Index for each day such value was available from January 2, 2020 to October 28, 2025.&nbsp;&nbsp;We obtained
the closing values from Bloomberg L.P., without independent verification.&nbsp;&nbsp;You should not take historical closing values as
an indication of future performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><IMG SRC="image_007.jpg" ALT="" STYLE="height: 346px; width: 659px"></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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


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  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>United States
    Federal Tax Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">In
the opinion of our counsel, Davis Polk &amp; Wardwell LLP, which is based on current market conditions, the notes should be treated as
&ldquo;contingent payment debt instruments&rdquo; for U.S. federal income tax purposes, as described in the section of the accompanying
product supplement called &ldquo;United States Federal Tax Considerations&mdash;Tax Consequences to U.S. Holders&mdash;Notes Treated
as Contingent Payment Debt Instruments,&rdquo; and the remaining discussion is based on this treatment.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">If
you are a U.S. Holder (as defined in the accompanying product supplement), you will be required to recognize interest income during the
term of the notes at the &ldquo;comparable yield,&rdquo; which generally is the yield at which we could issue a fixed-rate debt instrument
with terms similar to those of the notes, including the level of subordination, term, timing of payments and general market conditions,
but excluding any adjustments for the riskiness of the contingencies or the liquidity of the notes. We are required to construct a &ldquo;projected
payment schedule&rdquo; in respect of the notes representing a payment the amount and timing of which would produce a yield to maturity
on the notes equal to the comparable yield. Assuming you hold the notes until their maturity, the amount of interest you include in income
based on the comparable yield in the taxable year in which the notes mature will be adjusted upward or downward to reflect the difference,
if any, between the actual and projected payment on the notes at maturity as determined under the projected payment schedule.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Upon
the sale, exchange or retirement of the notes prior to maturity, you generally will recognize gain or loss equal to the difference between
the proceeds received and your adjusted tax basis in the notes. Your adjusted tax basis will equal your purchase price for the notes,
increased by interest previously included in income on the notes. Any gain generally will be treated as ordinary income, and any loss
generally will be treated as ordinary loss to the extent of prior interest inclusions on the note and as capital loss thereafter.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">We
have determined that the comparable yield for a note is a rate of %, compounded semi-annually, and that the projected payment schedule
with respect to a note consists of a single payment of $ at maturity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>You
should read the section entitled &ldquo;United States Federal Tax Considerations&rdquo; in the accompanying product 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></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><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></FONT></P>

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


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></P></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="font-family: Arial, Helvetica, Sans-Serif"><TD STYLE="vertical-align: top; width: 82%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.6pt 0pt 0; color: rgb(187,8,38)"><B>Market Linked Notes&mdash; Upside Participation to a Cap and Principal Return at Maturity</B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; color: #BB0826"></P><P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(187,8,38)"><B>Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index due November 29, 2029</B></P><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD><TD STYLE="white-space: nowrap; width: 18%; font-size: 12pt; text-align: right"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_006.jpg" ALT=""></B></FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #0070C0; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Supplemental Plan of Distribution</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Pursuant
to the terms of the Amended and Restated Global Selling Agency Agreement, dated April 7, 2017, CGMI, acting as principal, will purchase
the notes from Citigroup Global Markets Holdings Inc. CGMI, as the lead agent for the offering, expects to sell the notes to Wells Fargo,
as agent.&nbsp;&nbsp;Wells Fargo will receive an underwriting discount and commission of up to 4.325% ($43.25) for each note it sells.&nbsp;&nbsp;Wells
Fargo may pay selected dealers, which may include WFA, a fixed selling commission of 2.75% ($27.50) for each note they sell. In addition
to the selling commission allowed to WFA, Wells Fargo may pay $0.75 per note of the underwriting discount and commission to WFA as a
distribution expense fee for each note sold by WFA.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">In
addition, in respect of certain notes sold in this offering, CGMI may pay a fee of up to $2.00 per note to selected securities dealers
in consideration for marketing and other services in connection with the distribution of the notes to other securities dealers.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&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: #688FCF">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Valuation of the Notes</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">CGMI
calculated the estimated value of the notes set forth on the cover page of this pricing supplement based on proprietary pricing models.
CGMI&rsquo;s proprietary pricing models generated an estimated value for the notes by estimating the value of a hypothetical package
of financial instruments that would replicate the payout on the notes, which consists of a fixed-income bond (the &ldquo;bond component&rdquo;)
and one or more derivative instruments underlying the economic terms of the notes (the &ldquo;derivative component&rdquo;). CGMI calculated
the estimated value of the bond component using a discount rate based on our internal funding rate. CGMI calculated the estimated value
of the derivative component based on a proprietary derivative-pricing model, which generated a theoretical price for the instruments
that constitute the derivative component based on various inputs, including the factors described under &ldquo;Summary Risk Factors&mdash;The
Value Of The Notes Prior To Maturity Will Fluctuate Based On Many Unpredictable Factors&rdquo; in this pricing supplement, but not including
our or Citigroup Inc.&rsquo;s creditworthiness. These inputs may be market-observable or may be based on assumptions made by CGMI in
its discretionary judgment.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
estimated value of the notes is a function of the terms of the notes and the inputs to CGMI&rsquo;s proprietary pricing models.&nbsp;&nbsp;As
of the date of this preliminary pricing supplement, it is uncertain what the estimated value of the notes will be on the pricing date
because certain terms of the notes have not yet been fixed and because it is uncertain what the values of the inputs to CGMI&rsquo;s
proprietary pricing models will be on the pricing date.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">We
have been advised that, for a period of approximately four months following issuance of the notes, the price, if any, at which Wells
Fargo 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 Wells Fargo or its affiliates, will reflect a temporary upward adjustment from the price or value that would otherwise be
determined.&nbsp;&nbsp;This temporary upward adjustment represents a portion of the costs associated with selling, structuring and hedging
the notes that are included in the public offering price of the notes.&nbsp;&nbsp;The amount of this temporary upward adjustment will
decline to zero on a straight-line basis over the four-month temporary adjustment period.&nbsp;&nbsp;However, Wells Fargo is not obligated
to buy the notes from investors at any time.&nbsp;&nbsp;See &ldquo;Summary 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="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&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.</FONT></P>

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


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