<SEC-DOCUMENT>0000950103-25-014566.txt : 20251112
<SEC-HEADER>0000950103-25-014566.hdr.sgml : 20251112
<ACCEPTANCE-DATETIME>20251112061801
ACCESSION NUMBER:		0000950103-25-014566
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20251112
DATE AS OF CHANGE:		20251112

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:		251468400

	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:		251468401

	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>dp237209_424b2-us2529026d.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">The information in this preliminary
pricing supplement is not complete and may be changed. A registration statement relating to these notes has been filed with the Securities
and Exchange Commission. This preliminary pricing supplement and the accompanying product supplement, underlying supplement, prospectus
supplement and prospectus are not an offer to sell these 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 NOVEMBER
11, 2025&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
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    <TD STYLE="width: 100%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Pricing Supplement No. 2025-USNCH[ ] to Product Supplement No. EA-02-10
    dated March 7, 2023,</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying Supplement No. 11 dated March 7, 2023, Prospectus Supplement
    and Prospectus each dated March 7, 2023</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Filed Pursuant to Rule 424(b)(2)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Registration Statement Nos. 333-270327 and 333-270327-01</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Dated November<FONT STYLE="color: white">-----</FONT>, 2025</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Citigroup Global Markets Holdings Inc. $---- Step Down Trigger Autocallable
Notes</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Linked to the Least Performing of the S&amp;P 500<SUP>&reg;</SUP>
Index and the Russell 2000<SUP>&reg;</SUP> Index Due On or About November 16, 2028</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"><B>All payments due on the notes are fully and unconditionally guaranteed
by Citigroup Inc.</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: #788D41">
    <TD STYLE="width: 100%; font-size: 12pt"><FONT STYLE="font-size: 10pt; color: white"><B>Investment Description</B></FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Step Down Trigger Autocallable Notes (the &ldquo;<B>notes</B>&rdquo;)
are unsecured, unsubordinated debt obligations of Citigroup Global Markets Holdings Inc. (the &ldquo;<B>issuer</B>&rdquo;), guaranteed
by Citigroup Inc. (the &ldquo;<B>guarantor</B>&rdquo;), linked to the <B>least performing</B> of the S&amp;P 500<SUP>&reg;</SUP> Index
and the Russell 2000<SUP>&reg;</SUP> Index (each, an &ldquo;<B>underlying</B>&rdquo;).&nbsp;&nbsp;If the closing level of the least performing
underlying is greater than or equal to its respective initial underlying level on any valuation date prior to the final valuation date,
or greater than or equal to its respective downside threshold on the final valuation date, we will automatically call the notes and pay
you a call price equal to the stated principal amount per note plus a call return based on the call return rate.&nbsp;&nbsp;The call return
increases the longer the notes are outstanding, as described below, based on a fixed call return rate per annum.&nbsp;&nbsp;However, if
by maturity the notes have not been called and the closing level of the least performing underlying is less than its downside threshold
on the final valuation date, you will receive less than the stated principal amount of your notes, and possibly nothing, at maturity,
resulting in a loss that is proportionate to the decline in the closing level of the least performing underlying from the trade date to
the final valuation date, up to a 100% loss of your investment.&nbsp;&nbsp;On each valuation date, the least performing underlying is
the underlying with the lowest underlying return as of that valuation date.&nbsp;&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investing in the notes involves significant risks.&nbsp;&nbsp;You
may lose a substantial portion or all of your initial investment.&nbsp;&nbsp;The stated payout on the notes is based <U>solely</U> on
the performance of the least performing underlying.&nbsp;&nbsp;You will not benefit in any way from the performance of the better performing
underlying.&nbsp;&nbsp;You will therefore be adversely affected if <U>either</U> underlying performs poorly, regardless of the performance
of the other underlying.&nbsp;&nbsp;You will not receive dividends or other distributions paid on any stocks included in the underlyings.&nbsp;&nbsp;The
notes do not pay interest.&nbsp;&nbsp;The contingent repayment of the stated principal amount plus a call return applies only if you hold
the notes to maturity.&nbsp;&nbsp;Any payment on the notes, including any repayment of the stated principal amount, is subject to the
creditworthiness of the issuer and the guarantor and is not, either directly or indirectly, an obligation of any third party. If the issuer
and the guarantor were to default on their payment obligations, you may not receive any amounts owed to you under the notes and you could
lose your entire investment.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 58%; background-color: #788D41; font-size: 12pt"><FONT STYLE="font-size: 10pt; color: white"><B>Features</B></FONT></TD>
    <TD STYLE="width: 2%; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 40%; background-color: #788D41; font-size: 12pt"><FONT STYLE="font-size: 10pt; color: white"><B>Key Dates<SUP>1</SUP></B></FONT></TD></TR>
  </TABLE>
<DIV STYLE="float: left; width: 58%">

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

<P STYLE="margin-top: 0; margin-bottom: 0"></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: 3%; font-size: 12pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt">q</FONT></TD>
    <TD STYLE="width: 97%; font-size: 12pt"><FONT STYLE="font-size: 10pt"><B>Call Return </B>&mdash; We will automatically call the notes for a call price equal to the stated principal amount plus a call return based on the call return rate if the closing level of the least performing underlying is greater than or equal to its respective initial underlying level on any valuation date (beginning one year after issuance) prior to the final valuation date or greater than or equal to its respective downside threshold on the final valuation date.&nbsp;&nbsp;The call return increases the longer the notes are outstanding, based on a fixed call return rate per annum.&nbsp;&nbsp;If the notes are not called, investors will have full downside market exposure to the least performing underlying at maturity.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt">q</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt"><B>Downside Exposure </B>&mdash; If you hold the notes to maturity and the notes have not been called on any valuation date, including the final valuation date, that will necessarily mean that the closing level of the least performing underlying is less than its downside threshold on the final valuation date and we will pay you less than the stated principal amount of your notes, and possibly nothing, at maturity. The resulting loss will be proportionate to the full negative underlying return of the least performing underlying.&nbsp;&nbsp;<B>Any payment on the notes is subject to the creditworthiness of the issuer and guarantor. If the issuer and the guarantor were to default on their obligations, you might not receive any amounts owed to you under the notes and you could lose your entire investment.</B></FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

</DIV>

<DIV STYLE="float: right; width: 40%">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 52%; font-size: 12pt"><FONT STYLE="font-size: 10pt">Trade date</FONT></TD>
    <TD STYLE="width: 48%; font-size: 12pt"><FONT STYLE="font-size: 10pt">November 14, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Settlement date</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">November 18, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Valuation dates <SUP>2</SUP></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(See &ldquo;Call Settlement Dates and Call Returns/Call Prices
for the Offering of the Notes&rdquo; on page PS-6)</P></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Quarterly, beginning after one year</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 82.55pt; font-size: 12pt; text-indent: -82.55pt"><FONT STYLE="font-size: 10pt">Final valuation date <SUP>2</SUP></FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">November 14, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Maturity date</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">November 16, 2028</FONT></TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; padding-left: 13.7pt; font-size: 12pt; text-indent: -13.7pt"><FONT STYLE="font-size: 9pt"><SUP>1&#9;</SUP></FONT></TD>
    <TD STYLE="width: 97%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 13.7pt; text-indent: -13.7pt"><FONT STYLE="font-size: 9pt">Expected</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 13.7pt; text-indent: -13.7pt"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 13.7pt; font-size: 12pt; text-indent: -13.7pt"><FONT STYLE="font-size: 9pt"><SUP>2</SUP>&#9;</FONT></TD>
    <TD STYLE="padding-left: 13.7pt; font-size: 12pt; text-indent: -13.7pt"><FONT STYLE="font-size: 9pt">See page PS-4 for additional
    details</FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

</DIV>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 3pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-size: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt"><B>NOTICE TO INVESTORS: <FONT STYLE="text-transform: uppercase">The notes are significantly riskier than conventional debt INSTRUMENTS. THE ISSUER IS NOT NECESSARILY OBLIGATED TO REPAY THE STATED PRINCIPAL AMOUNT OF THE NOTES AT MATURITY, AND the notes CAN have downside MARKET risk SIMILAR TO the LEAST PERFORMING UNDERLYING. This MARKET risk is in addition to the CREDIT risk INHERENT IN PURCHASING A DEBT OBLIGATION OF CITIGROUP GLOBAL MARKETS HOLDINGS INC. THAT IS GUARANTEED BY CITIGROUP INC.&nbsp;&nbsp;You should not PURCHASE the notes if you do not understand or are not comfortable with the significant risks INVOLVED in INVESTING IN the notes.</FONT></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>YOU SHOULD CAREFULLY CONSIDER THE RISKS DESCRIBED UNDER &lsquo;&lsquo;SUMMARY
RISK FACTORS&rsquo;&rsquo; BEGINNING ON PAGE PS-7 OF THIS PRICING SUPPLEMENT AND UNDER &lsquo;&lsquo;RISK FACTORS RELATING TO THE SECURITIES&rsquo;&rsquo;
BEGINNING ON PAGE EA-7 OF THE ACCOMPANYING PRODUCT SUPPLEMENT BEFORE PURCHASING ANY NOTES. EVENTS RELATING TO ANY OF THOSE RISKS, OR OTHER
RISKS AND UNCERTAINTIES, COULD ADVERSELY AFFECT THE MARKET VALUE OF, AND THE RETURN ON, YOUR NOTES. YOU MAY LOSE SOME OR ALL OF YOUR INITIAL
INVESTMENT IN THE NOTES.&nbsp;&nbsp;THE NOTES WILL NOT BE LISTED ON ANY SECURITIES EXCHANGE AND MAY HAVE LIMITED OR NO LIQUIDITY.</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: #788D41">
    <TD STYLE="font-size: 12pt; width: 100%"><FONT STYLE="font-size: 10pt; color: white"><B>Notes Offering</B></FONT></TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We are offering Step Down Trigger Autocallable Notes Linked to the Least
Performing of the S&amp;P 500<SUP>&reg;</SUP> Index and the Russell 2000<SUP>&reg;</SUP> Index. Any payment on the notes will be determined
by the performance of the least performing underlying.&nbsp;&nbsp;The call return rate, initial underlying levels and downside thresholds
will be determined on the trade date.&nbsp;&nbsp;The notes are our unsecured, unsubordinated debt obligations, guaranteed by Citigroup
Inc., and are offered for a minimum investment of 100 notes at the issue price described below.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 26%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Underlyings</B></FONT></TD>
    <TD STYLE="width: 17%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Call Return Rate</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 16%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Initial Underlying Levels</B></FONT></TD>
    <TD STYLE="width: 24%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Downside Thresholds</B></FONT></TD>
    <TD STYLE="width: 17%; text-align: center"><FONT STYLE="font-size: 10pt"><B>CUSIP/ISIN</B></FONT></TD></TR>
  <TR>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">S&amp;P 500<SUP>&reg;</SUP> Index&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(Ticker: SPX)</P></TD>
    <TD ROWSPAN="2" STYLE="text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt">9.60% to 10.10% per</FONT></P>
                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt">annum</FONT></P></TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">, which is 75% of the applicable initial underlying level</FONT></TD>
    <TD ROWSPAN="2" STYLE="text-align: center"><FONT STYLE="font-size: 10pt">17333P593 / US17333P5935</FONT></TD></TR>
  <TR>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Russell 2000<SUP>&reg;</SUP> Index</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(Ticker: RTY)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">, which is 75% of the applicable initial underlying level</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>See &ldquo;Additional Terms Specific to the Notes&rdquo; in this
pricing supplement.&nbsp;&nbsp;The notes will have the terms specified in the accompanying product supplement, prospectus supplement and
prospectus, as supplemented by this pricing supplement. </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">Neither the Securities and Exchange Commission (the &ldquo;<B>SEC</B>&rdquo;)
nor any state securities commission has approved or disapproved of the notes or passed upon the accuracy or the adequacy of this pricing
supplement or the accompanying product supplement, underlying supplement, prospectus supplement and prospectus. Any representation to
the contrary is a criminal offense. The notes are not bank deposits and are not insured or guaranteed by the Federal Deposit Insurance
Corporation or any other governmental agency.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 28%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 25%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Issue Price<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 22%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Underwriting Discount<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 25%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Proceeds<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT>to<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT>Issuer</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-size: 10pt">Per note</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$10.00</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt; background-color: white">$0.10</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$9.90</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt; background-color: white">$</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 9pt">(1) Citigroup Global
Markets Holdings Inc. currently expects that the estimated value of the notes on the trade date will be at least $9.685 per note, which
will be less than the issue price.&nbsp;&nbsp;The estimated value of the notes is based on proprietary pricing models of Citigroup Global
Markets Inc. (&ldquo;<B>CGMI</B>&rdquo;) and our internal funding rate.&nbsp;&nbsp;It is not an indication of actual profit to CGMI or
other of our affiliates, nor is it an indication of the price, if any, at which CGMI or any other person may be willing to buy the notes
from you at any time after issuance. 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-indent: 0in"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 9pt">(2) The underwriting
discount is $0.10 per note. CGMI, acting as principal, expects to purchase from Citigroup Global Markets Holdings Inc., and Citigroup
Global Markets Holdings Inc. expects to sell to CGMI, the aggregate stated principal amount of the notes set forth above for $9.90 per
note. UBS Financial Services Inc. (&ldquo;<B>UBS</B>&rdquo;), acting as agent for sales of the notes, expects to purchase from CGMI,
and CGMI expects to sell to UBS, all of the notes for $9.90 per note. UBS will receive an underwriting discount of $0.10 for each note
it sells in this offering.&nbsp;&nbsp;UBS proposes to offer the notes to the public at a price of $10.00 per note.&nbsp;&nbsp;For additional
information on the distribution of the notes, see &ldquo;Supplemental Plan of Distribution&rdquo; in this pricing supplement.&nbsp;&nbsp;In
addition to the underwriting discount, CGMI and its affiliates may profit from expected hedging activity related to this offering, even
if the value of the notes declines.&nbsp;&nbsp;See &ldquo;Use of Proceeds and Hedging&rdquo; in the accompanying prospectus.</FONT></P>

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

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 11pt"><B>Citigroup Global Markets Inc.</B></FONT></TD>
    <TD STYLE="width: 50%; text-align: right; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 11pt"><B>UBS Financial Services
    Inc.</B></FONT></TD></TR>
  </TABLE>

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

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    <TD STYLE="width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">
</FONT><FONT STYLE="font-size: 10pt; color: white"><B>Additional Terms Specific to the Notes</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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, prospectus
supplement and prospectus contain important disclosures that are not repeated in this pricing supplement.&nbsp;&nbsp;For example, certain
events may occur that could affect your payment at maturity and/or whether the notes are automatically called prior to maturity.&nbsp;&nbsp;These
events and their consequences are described in the accompanying product supplement in the sections &ldquo;Description of the Securities&mdash;Consequences
of a Market Disruption Event; Postponement of a Valuation Date&rdquo; and &ldquo;Description of the Securities&mdash;Certain Additional
Terms for Securities Linked to an Underlying Index&mdash;Discontinuance or Material Modification of an Underlying Index,&rdquo; and not
in this pricing supplement.&nbsp;&nbsp;The accompanying underlying supplement contains important disclosures regarding the underlyings
that are 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 before you decide 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.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You may access the accompanying product supplement, underlying supplement,
prospectus supplement and prospectus on the SEC website at www.sec.gov as follows (or if such address has changed, <FONT STYLE="background-color: white">by
reviewing our filings for the relevant dates on the SEC website</FONT>):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.4pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>Product Supplement No. EA-02-10 dated March 7, 2023:</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.45pt; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003818/dp190217_424b2-ea0210.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/200245/000095010323003818/dp190217_424b2-ea0210.htm</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.45pt; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.4pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>Underlying Supplement No. 11 dated March 7, 2023:</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.45pt; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.45pt; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.4pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>Prospectus Supplement and Prospectus each dated March 7, 2023:</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.45pt; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.45pt; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You may revoke your offer to purchase the notes at any time prior to
the time at which we accept such offer by notifying the applicable agent.&nbsp;&nbsp;We reserve the right to change the terms of, or reject
any offer to purchase, the notes on or prior to the trade date.&nbsp;&nbsp;The applicable agent will notify you in the event of any material
changes to the terms of the notes, and you will be asked to accept such changes in connection with your purchase of the notes. You may
also choose to reject such changes, in which case the applicable agent may reject your offer to purchase the notes.&nbsp;&nbsp;References
to &ldquo;Citigroup Global Markets Holdings Inc.,&rdquo; &ldquo;Citigroup,&rdquo; &ldquo;we,&rdquo; &ldquo;our&rdquo; and &ldquo;us&rdquo;
refer to Citigroup Global Markets Holdings Inc. and not to any of its subsidiaries.&nbsp;&nbsp;References to &ldquo;Citigroup Inc.&rdquo;
refer to Citigroup Inc. and not to any of its subsidiaries.&nbsp;&nbsp;In this pricing supplement, &ldquo;notes&rdquo; refers to the Step
Down Trigger Autocallable Notes Linked to the Least Performing of the S&amp;P 500<SUP>&reg;</SUP> Index and the Russell 2000<SUP>&reg;</SUP>
Index that are offered hereby, unless the context otherwise requires.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>This pricing supplement, together with the documents listed above,
contains the terms of the notes and supersedes all other prior or contemporaneous oral statements as well as any other written materials
including preliminary or indicative pricing terms, correspondence, trade ideas, structures for implementation, sample structures, brochures
or other educational materials of ours.&nbsp;&nbsp;The description in this pricing supplement of the particular terms of the notes supplements,
and, to the extent inconsistent with, replaces, the descriptions of the general terms and provisions of the debt securities set forth
in the accompanying product supplement, prospectus supplement and prospectus.&nbsp;&nbsp;You should carefully consider, among other things,
the matters set forth in &ldquo;Summary Risk Factors&rdquo; in this pricing supplement and &ldquo;Risk Factors Relating to the Securities&rdquo;
in the accompanying product supplement, as the notes involve risks not associated with conventional debt securities.&nbsp;&nbsp;We urge
you to consult your investment, legal, tax, accounting and other advisers before deciding to invest in the notes.</I></P>

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


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  <TR STYLE="vertical-align: top; background-color: #788D41">
    <TD STYLE="width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">
</FONT><FONT STYLE="font-size: 10pt; color: white"><B>Investor Suitability</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The suitability considerations identified below are not exhaustive.&nbsp;&nbsp;Whether
or not the notes are a suitable 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 suitability of an investment
in the notes in light of your particular circumstances. You should also review &ldquo;Summary Risk Factors&rdquo; beginning on page PS-7
of this pricing supplement, &ldquo;The S&amp;P 500<SUP>&reg;</SUP> Index&rdquo; beginning on page PS-14 of this pricing supplement, &ldquo;The
Russell 2000<SUP>&reg;</SUP> Index&ldquo; beginning on page PS-15 of this pricing supplement, &ldquo;Risk Factors Relating to the Securities&rdquo;
beginning on page EA-7 of the accompanying product supplement, &ldquo;Equity Index Descriptions&mdash;The S&amp;P U.S. Indices&rdquo;
beginning on page US-58 of the accompanying underlying supplement and&nbsp;&nbsp;&ldquo;Equity Index Descriptions&mdash; <FONT STYLE="background-color: white">The
Russell Indices&rdquo; beginning on page US-37</FONT> of the accompanying underlying supplement.</P>

<DIV STYLE="float: left; width: 49%">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt"><B>The notes may be suitable for you if, among other considerations:</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt; width: 5%"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt; width: 95%">You fully understand the risks inherent in an investment in the notes, including the risk of loss of your entire initial investment.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You can tolerate a loss of all or a substantial portion of your initial investment and are willing to make an investment that may have the full downside market risk of an investment in the least performing underlying.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You understand and accept the risks associated with each of the underlyings.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You believe the closing level of each underlying will be greater than or equal to its respective initial underlying level on any valuation date prior to the final valuation date, or you believe the closing level of each underlying will be greater than or equal to its downside threshold on the final valuation date.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You can tolerate fluctuations in the value of the notes prior to maturity that may be similar to or exceed the downside fluctuations in the level of the least performing underlying.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You understand that your return will be based on the performance of the least performing underlying and you will not benefit from the performance of the other underlying.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are willing to hold notes that will be called on the earliest valuation date (beginning one year after issuance) on which the closing level of the least performing underlying is greater than or equal to its respective initial underlying level, and you are otherwise willing to hold such notes to maturity.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are willing to make an investment whose positive return is limited to the call return, regardless of the potential appreciation of the underlyings, which could be significant.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You would be willing to invest in the notes if the call return rate were set equal to the lowest rate indicated on the cover page of this pricing supplement (the actual call return rate will be set on the trade date).</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are willing to invest in the notes based on the downside thresholds indicated on the cover page of this pricing supplement.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are willing and able to hold the notes to maturity, and accept that there may be little or no secondary market for the notes and that any secondary market will depend in large part on the price, if any, at which CGMI is willing to purchase the notes.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You do not seek current income from your investment and are willing to forgo dividends or any other distributions paid on the stocks included in the underlyings for the term of the notes.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are willing to assume the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. for all payments under the notes, and understand that if Citigroup Global Markets Holdings Inc. and Citigroup Inc. default on their obligations, you might not receive any amounts due to you, including any repayment of the stated principal amount.</TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

</DIV>

<DIV STYLE="float: right; width: 49%">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0in; font-size: 10pt"><B>The notes may <I>not</I> be suitable for you if, among other considerations:</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt; width: 5%"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt; width: 95%">You do not fully understand the risks inherent in an investment in the notes, including the risk of loss of your entire initial investment.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You do not believe the closing level of each underlying will be greater than or equal to its respective initial underlying level on any valuation date prior to the final valuation date, or you believe the closing level of either underlying will be less than its respective downside threshold on the final valuation date, exposing you to the full downside performance of the least performing underlying.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You require an investment designed to guarantee a full return of the stated principal amount at maturity.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You do not understand or accept the risks associated with each of the underlyings.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You cannot tolerate the loss of all or a substantial portion of your initial investment, and you are not willing to make an investment that may have the full downside market risk of an investment in the least performing underlying.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You seek an investment that participates in the full appreciation of the underlyings and whose positive return is not limited to the call return.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are unwilling to accept that your return will be based on the performance of the least performing underlying and you will not benefit from the performance of the other underlying.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You would be unwilling to invest in the notes if the call return rate were set equal to the lowest rate indicated on the cover page of this pricing supplement (the actual call return rate will be set on the trade date).</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are unwilling to invest in the notes based on the downside thresholds indicated on the cover page of this pricing supplement.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are unable or unwilling to hold notes that will be called on the earliest valuation date (beginning one year after issuance) on which the closing level of the least performing underlying is greater than or equal to its respective initial underlying level, or you are otherwise unable or unwilling to hold such notes to maturity.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You seek an investment for which there will be an active secondary market.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You seek current income from this investment or prefer to receive the dividends and any other distributions paid on the stocks included in the underlyings for the term of the notes.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You prefer the lower risk of conventional fixed income investments with comparable maturities and credit ratings.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You cannot tolerate fluctuations in the value of the notes prior to maturity that may be similar to or exceed the downside price fluctuations of the underlyings.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 10pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 10pt">You are not willing to assume the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. for all payments under the notes, including any repayment of the stated principal amount.</TD></TR>
  </TABLE>

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</DIV>

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

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  <TD STYLE="width: 100%">&nbsp;</TD></TR>
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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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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: #788D41">
    <TD COLSPAN="2" STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt; color: white"><B>Indicative Terms</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 39%; font-size: 12pt"><FONT STYLE="font-size: 10pt">Issuer</FONT></TD>
    <TD STYLE="width: 61%; font-size: 12pt"><FONT STYLE="font-size: 10pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Guarantee</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">All payments due on the notes are fully and unconditionally guaranteed by Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Issue price</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">100% of the stated principal amount per note</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Stated principal amount per note</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">$10.00 per note</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Term</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Approximately 3 years, unless called earlier</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Trade date<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><SUP>1</SUP></FONT></FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">November 14, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Settlement date<SUP>1</SUP></FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">November 18, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Final valuation date<SUP>1,2</SUP></FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">November 14, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Maturity date<SUP>1</SUP></FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">November 16, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Underlyings</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">S&amp;P 500<SUP>&reg;</SUP> Index (Ticker: SPX)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Russell 2000<SUP>&reg;</SUP> Index (Ticker: RTY)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Automatic call feature</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The notes will be automatically called if the closing level of the least
    performing underlying is greater than or equal to its respective initial underlying level on any valuation date prior to the final valuation
    date or greater than or equal to its respective downside threshold on the final valuation date.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the notes are automatically called, we will pay you on the applicable
    call settlement date a cash payment per $10.00 stated principal amount of each note equal to the call price for the applicable valuation
    date.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">After the notes are automatically called, no further payments will be
    made on the notes.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Valuation dates<SUP>1, 2</SUP></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">November 17, 2026</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">February 16, 2027</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">May 14, 2027</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">August 16, 2027</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">November 15, 2027</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">February 14, 2028</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">May 15, 2028</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">August 14, 2028</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">November 14, 2028 (the &ldquo;<B>final valuation date</B>&rdquo;).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Call settlement dates</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Two (2) business days following the applicable valuation date, except that the call settlement date for the final valuation date is the maturity date. See &ldquo;Call Settlement Dates and Call Returns/Call Prices for the Offering of the Notes&rdquo; on page PS-6.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Call price</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The call price will be calculated based on the following formula:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$10.00 + applicable call return</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Call return/call return rate</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">The call return increases the
    longer the notes are outstanding and will be based on a fixed call return rate of 9.60% to 10.10% per annum (the actual call return rate
    will be set on the trade date).</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">See &ldquo;</FONT>Call Settlement
    Dates and <FONT STYLE="background-color: white">Call Returns/Call Prices for the Offering of the Notes&rdquo; on page PS-6.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><SUP>1</SUP></FONT>
<FONT STYLE="font-size: 9pt">Expected. In the event that we make any changes to the expected trade date and settlement date, the valuation
dates (including the final valuation date) and maturity date may be changed to ensure that the stated term of the notes remains the same.</FONT></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-size: 9pt"><SUP>2</SUP> Subject to postponement as
described under &ldquo;Description of the Securities&mdash;Consequences of a Market Disruption Event; Postponement of a Valuation Date&rdquo;
in the accompanying product supplement.</FONT></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt; width: 39%"><FONT STYLE="font-size: 10pt">Payment at maturity (per $10.00 stated principal amount of notes)</FONT></TD>
    <TD STYLE="width: 61%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If the notes are not called, the final underlying level of the least
    performing underlying will therefore necessarily be less than the applicable downside threshold on the final valuation date,</B> and we
    will pay you a cash payment on the maturity date that is less than your stated principal amount and may be zero, resulting in a loss that
    is proportionate to the negative underlying return, equal to:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-decoration-style: double; color: #000000">$10.00</FONT>
+ ($10.00 &times; underlying return of the least performing underlying)&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Accordingly, you may lose all or a substantial portion of your
    stated principal amount at maturity, depending on how significantly the least performing underlying declines.</I></B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Least performing underlying</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">On each valuation date, the underlying with the lowest underlying return as of that valuation date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Underlying return</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For any underlying on any valuation date, calculated as follows:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>current underlying level &ndash; initial
underlying level<BR>
</U>initial underlying level&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Downside threshold</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">For any underlying, 75.00% of its respective initial underlying level, as specified on the cover page of this pricing supplement.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Initial underlying level</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">For any underlying, its closing level on the trade date, as specified on the cover page of this pricing supplement.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Current underlying level</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">For any underlying and any valuation date, the closing level of that underlying on that valuation date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">Final underlying level</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">For any underlying, its closing level on the final valuation date.</FONT></TD></TR>
</TABLE>

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

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

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  <TD STYLE="width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>INVESTING IN THE NOTES INVOLVES
  SIGNIFICANT RISKS. YOU MAY LOSE&nbsp;A SUBSTANTIAL PORTION OR ALL OF YOUR INITIAL INVESTMENT.&nbsp;&nbsp;ANY PAYMENT ON THE NOTES IS
  SUBJECT TO THE CREDITWORTHINESS OF THE ISSUER AND THE GUARANTOR.&nbsp;&nbsp;IF&nbsp;CITIGROUP GLOBAL MARKETS HOLDINGS INC. AND CITIGROUP
  INC. WERE TO DEFAULT ON THEIR OBLIGATIONS, YOU MIGHT NOT RECEIVE ANY AMOUNTS OWED TO YOU UNDER THE NOTES AND YOU COULD LOSE YOUR ENTIRE
  INVESTMENT.</B></FONT></P>

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  <TR STYLE="vertical-align: top; background-color: #788D41">
    <TD COLSPAN="4" STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">
</FONT><FONT STYLE="font-size: 10pt; color: white"><B>Investment Timeline</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; width: 2%; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 12%; background-color: white; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 83%; font-size: 12pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DEDFB3; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Trade date</B></FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 12pt"><FONT STYLE="font-size: 10pt">The closing level of each underlying (its respective initial underlying level) is observed and the downside threshold for each underlying and call return rate are set. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><IMG SRC="image_005.gif" ALT="" STYLE="height: 12px; width: 9px"></FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DEDFB3; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Quarterly, beginning November 17, 2026 (including the final valuation date)</B></FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 12pt; text-align: justify">&nbsp;</TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The notes will be automatically called if the closing level of the least
    performing underlying is greater than or equal to its respective initial underlying level on any valuation date prior to the final valuation
    date or greater than or equal to its respective downside threshold on the final valuation date.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the notes are automatically called, we will pay the call price for
    the applicable valuation date, equal to the stated principal amount plus the applicable call return.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">After the notes are automatically called, no further payments will be
    made on the notes.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><IMG SRC="image_005.gif" ALT="" STYLE="height: 12px; width: 9px"></FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DEDFB3; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Maturity date (if not previously automatically called)</B></FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The final underlying level of each underlying is observed on the final
    valuation date.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If the notes are not called, the final underlying level of the least
    performing underlying will therefore necessarily be less than the applicable downside threshold on the final valuation date</B>, and we
    will pay you a cash payment on the maturity date that is less than your stated principal amount and may be zero, resulting in a loss that
    is proportionate to the negative underlying return, equal to:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-decoration-style: double; color: #000000">$10.00</FONT>
    + ($10.00 &times; underlying return of the least performing underlying)</P></TD></TR></TABLE>


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

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

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<P STYLE="margin-top: 0; margin-bottom: 0"></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: #788D41">
    <TD STYLE="width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: White"><B>Call Settlement Dates and Call Returns/Call
    Prices for the Offering of the Notes</B></FONT></TD></TR>
</TABLE>

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

<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%; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt"><B>Valuation Date<SUP>1</SUP></B></FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 15%; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt"><B>Call Settlement Date<SUP>2</SUP></B></FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 40%; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>Call
Return</B></FONT>&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt; text-align: center"><FONT STYLE="background-color: white">(Per $10
    stated principal amount. Based on a call return rate of 9.60% per annum. The actual call return rate will be set on the trade date.)</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt; text-align: center">&nbsp;</P></TD>
    <TD STYLE="padding-top: 4pt; width: 29%; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Call Price</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(Per $10 stated principal amount)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">November 17, 2026</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">November 19, 2026</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">9.60% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$10.96</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">February 16, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">February 18, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">12.00% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$11.20</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">May 14, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">May 18, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">14.40% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$11.44</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">August 16, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">August 18, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">16.80% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$11.68</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">November 15, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">November 17, 2027</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">19.20% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$11.92</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">February 14, 2028</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">February 16, 2028</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">21.60% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$12.16</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">May 15, 2028</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">May 17, 2028</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">24.00% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$12.40</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: bottom; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">August 14, 2028</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">August 16, 2028</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">26.40% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$12.64</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">November 14, 2028 (the &ldquo;<B>final valuation date</B>&rdquo;)</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">November 16, 2028 (the &ldquo;<B>maturity date</B>&rdquo;)</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">28.80% of the stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt; background-color: white">$12.88</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">(1) Subject to postponement as described
under &ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities Linked to an Underlying Index&mdash;Consequences
of a Market Disruption Event; Postponement of a Valuation Date&rdquo; in the accompanying product supplement.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">(2) If any valuation date (other than
the final valuation date) is postponed, the related call settlement date will be the second business day after such valuation date as
postponed.</FONT></P>

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


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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: #788D41">
    <TD STYLE="width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">
</FONT><FONT STYLE="font-size: 10pt; color: white"><B>Summary Risk Factors</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 each underlying.&nbsp;&nbsp;Accordingly, the notes are suitable 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
advisers as to the risks of an investment in the notes and the suitability of the notes in light of your particular circumstances.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following is a summary of certain key risk factors for investors
in the 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 Relating to the Securities&rdquo; beginning on page EA-7 in the accompanying product
supplement.&nbsp;&nbsp;You should also carefully read the risk factors included in the accompanying prospectus supplement and in the documents
incorporated by reference in the accompanying prospectus, including Citigroup Inc.&rsquo;s most recent Annual Report on Form 10-K and
any subsequent Quarterly Reports on Form 10-Q, which describe risks relating to the business of Citigroup Inc. more generally.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>You may lose some or all of your investment </B>&mdash; The notes differ from ordinary debt securities in that we will not necessarily
repay the full stated principal amount of your notes at maturity.&nbsp;&nbsp;Instead, your return on the notes is linked to the performance
of the least performing underlying and, if the notes are not automatically called, will depend on the extent to which the final underlying
level of the least performing underlying is less than its downside threshold.&nbsp;&nbsp;If the notes are not automatically called on
any of the valuation dates, which necessarily means that the final underlying level of the least performing underlying is less than its
downside threshold, you will lose 1% of the stated principal amount of the notes for every 1% by which the final underlying level of the
least performing underlying is less than its initial underlying level.&nbsp;&nbsp;There is no minimum payment at maturity on the notes,
and you may lose up to all of your investment in the notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The appreciation potential of the notes is limited </B>&mdash; Your potential total return on the notes at maturity or upon earlier
automatic call is limited to the call return, which will only be received if the notes are called. Because the call return increases the
longer the notes have been outstanding and because the notes could be called as early as one year after the settlement date, you may not
receive the call return associated with a later valuation date. You will not participate in any potential appreciation of the underlyings
even though you may be subject to the full downside performance of the least performing underlying. As a result, the return on an investment
in the notes may be significantly less than the return on a hypothetical direct investment in the underlyings.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The notes are subject to the risks of both of the underlyings and will be negatively affected if either of the underlyings performs
poorly, even if the other underlying performs well </B>&mdash; You are subject to risks associated with both of the underlyings. If either
of the underlyings performs poorly, you will be negatively affected, even if the other underlying performs well. The notes are not linked
to a basket composed of the underlyings, where the better performance of one could ameliorate the poor performance of the other. Instead,
you are subject to the full risks of whichever of the underlyings is the least performing underlying. Furthermore, the risk that the notes
will not be called, and thus you will not receive the call price, and that you will lose some or all of your initial investment in the
notes is greater if you invest in the notes as opposed to notes that are linked to the performance of a single underlying if their terms
are otherwise substantially similar. With a greater total number of underlyings, it is more likely that an underlying will be below its
initial underlying level or downside threshold on a valuation date or the final valuation date, as applicable, and therefore it is more
likely that the notes will not be called and that at maturity, you will receive an amount in cash which is worth less than your principal
amount.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>You will not benefit in any way from the performance of the better performing underlying</B> &mdash; The return on the notes depends
solely on the performance of the least performing underlying, and you will not benefit in any way from the performance of the better performing
underlying.&nbsp;&nbsp;The notes may underperform a similar investment in both of the underlyings or a similar alternative investment
linked to a basket composed of the underlyings, since in either such case the performance of the better performing underlying would be
blended with the performance of the least performing underlying, resulting in a better return than the return of the least performing
underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>You will be subject to risks relating to the relationship between the underlyings</B> &mdash; It is preferable from your perspective
for the underlyings to be correlated with each other, in the sense that they tend to increase or decrease at similar times and by similar
magnitudes.&nbsp;&nbsp;By investing in the notes, you assume the risk that the underlyings will not exhibit this relationship.&nbsp;&nbsp;The
less correlated the underlyings, the more likely it is that either one of the underlyings will perform poorly over the term of the notes.
All that is necessary for the notes to perform poorly is for one of the underlyings to perform poorly; the performance of the underlying
that is not the least performing underlying is not relevant to your return on the notes.&nbsp;&nbsp;It is impossible to predict what the
relationship between the underlyings will be over the term of the notes.&nbsp;&nbsp;<B>The S&amp;P 500<SUP>&reg;</SUP> Index represents
large capitalization stocks in the United States and the Russell 2000<SUP>&reg;</SUP> Index represents small capitalization stocks in
the United States. Accordingly, the underlyings represent markets that differ in significant ways and, therefore, may not be correlated
with each other.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The repayment of principal plus a call return is contingent, and you will have full downside exposure to the least performing underlying
if the final underlying level of the least performing underlying is less than its downside threshold </B>&mdash; If the notes are not
automatically called on any valuation date prior to the final valuation date and, on the final valuation date, the closing level of the
least performing underlying is less than its initial underlying level but greater than its downside threshold, you will receive your stated
principal amount plus the call return at maturity notwithstanding that the least performing underlying has declined from its initial underlying
level.&nbsp;&nbsp;However, if the final underlying level of the least performing underlying on the final valuation date is below its downside
threshold, the contingent repayment of principal plus a call return will not apply, and you will lose 1% of the stated principal amount
of the notes for every 1% by which the final underlying level of the least performing underlying is less than its initial underlying</TD></TR></TABLE>

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


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">level. The notes will have full downside
exposure to the decline of the least performing underlying if the final underlying level of the least performing underlying is below its
downside threshold. As a result, you may lose your entire investment in the notes. Further, this contingent repayment of principal plus
a call return applies only if you hold the notes to maturity.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>If
you are able to sell the notes prior to maturity, you may have to sell them for a loss even if the level of the least performing underlying
is greater than its downside threshold at that time. See &ldquo;The value of the notes prior to maturity will fluctuate based on many
unpredictable factors&rdquo; below.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The notes do not pay interest </B>&mdash; Unlike conventional debt securities, the notes do not pay interest or any other amounts
prior to maturity or earlier automatic call. You should not invest in the notes if you seek current income during the term of the notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Investing in the notes is not equivalent to investing in either underlying or the stocks that constitute either underlying</B>
&mdash; You will not have voting rights, rights to receive any dividends or other distributions or any other rights with respect to any
of the stocks that constitute the underlyings.&nbsp;&nbsp;It is important to understand that, for purposes of measuring the performance
of the underlyings, the levels used will not reflect the receipt or reinvestment of dividends or distributions on the stocks that constitute
either of the underlyings.&nbsp;&nbsp;Dividend or distribution yield on the stocks that constitute the underlyings would be expected to
represent a significant portion of the overall return on a direct investment in the stocks that constitute the underlyings, but will not
be reflected in the performance of either of the underlyings as measured for purposes of the notes (except to the extent that dividends
and distributions reduce the levels of the underlyings).&nbsp;&nbsp;Moreover, unlike a direct investment in the underlyings, the appreciation
potential of the notes is limited, as described above.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The probability that the least performing underlying will fall below its&nbsp;&nbsp;downside threshold on the final valuation date
will depend in part on the volatility of, and correlation between, the underlyings </B>&mdash; &ldquo;Volatility&rdquo; refers to the
frequency and magnitude of changes in the level of the underlyings.&nbsp;&nbsp;&ldquo;Correlation&rdquo; refers to the extent to which
the underlyings tend to increase or decrease at similar times and by similar magnitudes.&nbsp;&nbsp;In general, the greater the volatility
of the underlyings, and the lower the correlation between the underlyings, the greater the probability that one or the other of the underlyings
will experience a large decline over the term of the notes and fall below its respective downside threshold on the final valuation date.&nbsp;&nbsp;The
underlyings have historically experienced significant volatility, and as discussed above, the underlyings represent markets that differ
in significant ways and therefore may not be correlated.&nbsp;&nbsp;As a result, there is a significant risk that one or the other of
the underlyings will fall below its respective downside threshold on the final valuation date and that you will incur a significant loss
on your investment in the notes.&nbsp;&nbsp;The terms of the notes are set, in part, based on expectations about the volatility of, and
correlation between, the underlyings as of the trade date.&nbsp;&nbsp;If expectations about the volatility of, and correlation between,
the underlyings change over the term of the notes, the value of the notes may be adversely affected, and if the actual volatility of the
underlyings prove to be greater than initially expected, or if the actual correlation between the underlyings proves to be lower than
initially expected, the notes may prove to be riskier than expected on the trade date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The notes are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. </B>&mdash; Any payment on
the notes will be made by Citigroup Global Markets Holdings Inc. and is guaranteed by Citigroup Inc., and therefore is subject to the
credit risk of both Citigroup Global Markets Holdings Inc. and Citigroup Inc. If we default on our obligations under the notes and Citigroup
Inc. defaults on its guarantee obligations, you may not receive any payments that become due under the notes.&nbsp;&nbsp;As a result,
the value of the notes prior to maturity will be affected by changes in the market&rsquo;s view of our and Citigroup Inc.&rsquo;s creditworthiness.&nbsp;&nbsp;Any
decline, or anticipated decline, in either of our or Citigroup Inc.&rsquo;s credit ratings or increase, or anticipated increase, in the
credit spreads charged by the market for taking either of our or Citigroup Inc.&rsquo;s credit risk is likely to adversely affect the
value of the notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The performance of the notes will depend on the closing level of the least performing underlying solely on the valuation dates</B>
&mdash; The performance of the notes (including whether the notes are automatically called and, if they are not called, the amount of
your payment at maturity) will depend on the closing level of the least performing underlying only on the valuation dates.&nbsp;&nbsp;You
will not receive the stated principal amount of your notes at maturity if the closing level of the least performing underlying on the
final valuation date is less than its downside threshold, even if the closing level of the least performing underlying is greater than
its downside threshold on other days during the term of the notes.&nbsp;&nbsp;Moreover, your notes will be automatically called prior
to maturity if the closing level of the least performing underlying is greater than or equal to its initial underlying level on any valuation
date prior to the final valuation date, even if the closing level of the least performing underlying is less than its initial underlying
level on other days during the term of the notes.&nbsp;&nbsp;Because the performance of the notes depends on the closing level of the
least performing underlying on a small number of dates, the performance of the notes will be particularly sensitive to volatility in the
closing levels of the underlyings, particularly around the valuation dates.&nbsp;&nbsp;You should understand that the levels of the underlyings
have historically been highly volatile.&nbsp;&nbsp;See &ldquo;The S&amp;P 500<SUP>&reg;</SUP> Index&rdquo; and &ldquo;The Russell 2000<SUP>&reg;</SUP>
Index&rdquo; in this pricing supplement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The notes may be automatically called prior to maturity</B> &mdash; Beginning one year after issuance, on any valuation date occurring
quarterly during the term of the notes, the notes will be automatically called if the closing level of the least performing underlying
on that valuation date is greater than or equal to its respective initial underlying level.&nbsp;&nbsp;Thus, the term of the notes may
be limited to as short as one year.&nbsp;&nbsp;The earlier the notes are automatically called, the lower the amount of the call return
you will receive.&nbsp;&nbsp;If the notes are automatically called prior to maturity, you may not be able to reinvest your funds in another
investment that provides a similar yield with a similar level of risk.</TD></TR></TABLE>

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

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

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">terminates making a market, there may be
no secondary market at all for the notes because it is likely that CGMI will be the only broker-dealer that is willing to buy your notes
prior to maturity.&nbsp;&nbsp;Accordingly, an investor must be prepared to hold the notes until maturity.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><FONT STYLE="background-color: white"><B>The estimated value of the notes on the trade date, based on CGMI&rsquo;s proprietary pricing
models and our internal funding rate, will be less than the issue price</B> &mdash; The difference is attributable to certain costs associated
with selling, structuring and hedging the notes that are included in the issue price.&nbsp;&nbsp;These costs include (i) </FONT>the underwriting
discount paid in connection with the offering of the notes, <FONT STYLE="background-color: white">(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 in connection with hedging our obligations under the notes.&nbsp;&nbsp;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.&nbsp;&nbsp;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.&nbsp;&nbsp;See &ldquo;The estimated value of the notes would be lower if it were calculated based on
our secondary market rate&rdquo; below.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The estimated value of the notes was determined for us by our affiliate using proprietary pricing models </B>&mdash; CGMI derived
the estimated value disclosed on the cover page of this pricing supplement from its proprietary pricing models.&nbsp;&nbsp;In doing so,
it may have made discretionary judgments about the inputs to its models, such as the volatility of and correlation between the underlyings,
dividend yields on the stocks that constitute the underlyings 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.&nbsp;&nbsp;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.&nbsp;&nbsp;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.&nbsp;&nbsp;You should not invest in the notes because
of the estimated value of the notes.&nbsp;&nbsp;Instead, you should be willing to hold the notes to maturity irrespective of the initial
estimated value.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The estimated value of the notes would be lower if it were calculated based on our secondary market rate </B>&mdash; 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.&nbsp;&nbsp;Our internal funding rate is generally lower than our secondary
market rate, which is the rate that CGMI will use in determining the value of the notes for purposes of any purchases of the notes from
you in the secondary market.&nbsp;&nbsp;If the estimated value included in this pricing supplement were based on our secondary market
rate, rather than our internal funding rate, it would likely be lower.&nbsp;&nbsp;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.&nbsp;&nbsp;Our internal funding rate is not an interest rate that we will pay to investors in the
notes, which do not bear interest.&nbsp;&nbsp;</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">Because there is not an active market for
traded instruments referencing our outstanding debt obligations, CGMI determines our secondary market rate based on the market price of
traded instruments referencing the debt obligations of Citigroup Inc., our parent company and the guarantor of all payments due on the
notes, but subject to adjustments that CGMI makes in its sole discretion.&nbsp;&nbsp;As a result, our secondary market rate is not a market-determined
measure of our creditworthiness, but rather reflects the market&rsquo;s perception of our parent company&rsquo;s creditworthiness as adjusted
for discretionary factors such as CGMI&rsquo;s preferences with respect to purchasing the notes prior to maturity.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The estimated value of the notes is not an indication of the price, if any, at which CGMI or any other person may be willing to
buy the notes from you in the secondary market</B> &mdash; 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.&nbsp;&nbsp;Moreover, unlike the estimated value included in this pricing
supplement, any value of the notes determined for purposes of a secondary market transaction will be based on our secondary market rate,
which will likely result in a lower value for the notes than if our internal funding rate were used.&nbsp;&nbsp;In addition, 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 the expected cost of unwinding related hedging transactions.&nbsp;&nbsp;As
a result, it is likely that any secondary market price for the notes will be less than the issue price.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The value of the notes prior to maturity will fluctuate based on many unpredictable factors </B>&mdash; <FONT STYLE="background-color: white">As
described under &ldquo;Valuation of the Notes&rdquo; below, the payout on the notes could be replicated by a hypothetical package of financial
instruments consisting of a fixed-income bond and one or more derivative instruments.&nbsp;&nbsp;As a result, the factors that influence
the values of fixed-income bonds and derivative instruments will also influence the terms of the notes at issuance and the value of the
notes prior to maturity.&nbsp;&nbsp;Accordingly, the value of your notes prior to maturity will fluctuate based on the level and volatility
of the underlyings and a number of other factors, including the price and volatility of the stocks that constitute the underlyings, the
correlation between the underlyings, dividend yields on the stocks that constitute the underlyings, interest rates generally, the time
remaining to maturity and our and Citigroup Inc.&rsquo;s creditworthiness, as reflected in our secondary market rate.&nbsp;&nbsp;Changes
in the levels of the underlyings may not result in a comparable change in the value of your notes.&nbsp;&nbsp;You should understand that
the value of your notes at any time prior to maturity may be significantly less than the issue price.&nbsp;&nbsp;The stated payout from
the issuer, including the call return, only applies if you hold the notes to maturity or earlier automatic call, as applicable.</FONT></TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The Russell 2000<SUP>&reg; </SUP>Index is subject to risks associated with small capitalization stocks </B>&mdash; The stocks that
constitute the Russell 2000<SUP>&reg;</SUP> Index are issued by companies with relatively small market capitalization.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>The
stock prices of smaller companies may be more volatile than the stock prices of large capitalization companies.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>These
companies tend to be less well-established than large market</TD></TR></TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">capitalization companies.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>Small
capitalization companies may be less able to withstand adverse economic, market, trade and competitive conditions relative to larger companies.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>Small
capitalization companies are less likely to pay dividends on their stocks, and the presence of a dividend payment could be a factor that
limits downward stock price pressure under adverse market conditions.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Our offering of the notes is not a recommendation of either underlying </B>&mdash; The fact that we are offering the notes does
not mean that we believe that investing in an instrument linked to the least performing underlying is likely to achieve favorable returns.
In fact, as we are part of a global financial institution, our affiliates may have positions (including short positions) in the stocks
that constitute the underlyings or in instruments related to the underlyings or such stocks, and may publish research or express opinions,
that in each case are inconsistent with an investment linked to the underlyings. These and other activities of our affiliates may affect
the levels of the underlyings in a way that has a negative impact on your interests as a holder of the notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Our affiliates, or UBS or its affiliates, may publish research, express opinions or provide recommendations that are inconsistent
with investing in or holding the notes</B> &mdash; Any such research, opinions or recommendations could affect the closing levels of the
underlyings and the value of the notes.&nbsp;&nbsp;Our affiliates, and UBS and its affiliates, publish research from time to time on financial
markets and other matters that may influence the value of the notes, or express opinions or provide recommendations that may be inconsistent
with purchasing or holding the notes.&nbsp;&nbsp;Any research, opinions or recommendations expressed by our affiliates or by UBS or its
affiliates may not be consistent with each other and may be modified from time to time without notice.&nbsp;&nbsp;These and other activities
of our affiliates or UBS or its affiliates may adversely affect the levels of the underlyings and may have a negative impact on your interests
as a holder of the notes.&nbsp;&nbsp;Investors should make their own independent investigation of the merits of investing in the notes
and the underlyings to which the notes are linked.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Trading and other transactions by our affiliates, or by UBS or its affiliates, in the equity and equity derivative markets may
impair the value of the notes </B>&mdash; We expect to hedge our exposure under the notes through CGMI or other of our affiliates, who
will likely enter into equity and/or equity derivative transactions, such as over-the-counter options or exchange-traded instruments,
relating to the underlyings or the stocks included in the underlyings and may adjust such positions during the term of the notes.&nbsp;&nbsp;It
is possible that our affiliates could receive substantial returns from these hedging activities while the value of the notes declines.&nbsp;&nbsp;Our
affiliates and UBS and its affiliates may also engage in trading in instruments linked to the underlyings on a regular basis as part of
their respective general broker-dealer and other businesses, for proprietary accounts, for other accounts under management or to facilitate
transactions for customers, including block transactions.&nbsp;&nbsp;Such trading and hedging activities may affect the levels of the
underlyings and reduce the return on your investment in the notes.&nbsp;&nbsp;Our affiliates or UBS or its affiliates may also issue or
underwrite other securities or financial or derivative instruments with returns linked or related to the underlyings.&nbsp;&nbsp;By introducing
competing products into the marketplace in this manner, our affiliates or UBS or its affiliates could adversely affect the value of the
notes.&nbsp;&nbsp;Any of the foregoing activities described in this paragraph may reflect trading strategies that differ from, or are
in direct opposition to, investors&rsquo; trading and investment strategies relating to the notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Our affiliates, or UBS or its affiliates, may have economic interests that are adverse to yours as a result of their respective
business activities </B>&mdash; Our affiliates or UBS or its affiliates may currently or from time to time engage in business with the
issuers of the stocks that constitute the underlyings, including extending loans to, making equity investments in or providing advisory
services to such issuers. In the course of this business, our affiliates or UBS or its affiliates may acquire non-public information about
those issuers, which they will not disclose to you. Moreover, if any of our affiliates or UBS or any of its affiliates is or becomes a
creditor of any such issuer, they may exercise any remedies against that issuer that are available to them without regard to your interests.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The calculation agent, which is an affiliate of ours, will make important determinations with respect to the notes </B>&mdash;
If certain events occur, such as market disruption events or the discontinuance of the underlyings, CGMI, as calculation agent, will be
required to make discretionary judgments that could significantly affect what you receive at maturity. Such judgments could include, among
other things, any level required to be determined under the notes.&nbsp;&nbsp;In addition, if certain events occur, CGMI will be required
to make certain discretionary judgments that could significantly affect your payment at maturity.&nbsp;&nbsp;Such judgments could include,
among other things:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.6in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>determining whether a market disruption event has occurred;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.6in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>if a market disruption event occurs on any valuation date, determining whether to postpone the valuation date;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.6in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>determining the levels of the underlyings if the levels of the underlyings are not otherwise available or a market disruption event
has occurred; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.6in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>selecting successor underlyings or performing an alternative calculation of the levels of the underlyings if the underlyings are discontinued
or materially modified (see &ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities Linked to an Underlying
Index&mdash;Discontinuance or Material Modification of an Underlying Index&rdquo; in the accompanying product supplement).</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Adjustments to either underlying may affect the value of your notes</B> &mdash; S&amp;P Dow Jones Indices LLC, as publisher of
the S&amp;P 500<SUP>&reg;</SUP> Index, or FTSE Russell, as publisher of the Russell 2000<SUP>&reg;</SUP> Index, may add, delete or substitute
the stocks that constitute either underlying or make other methodological changes that could affect the level of either underlying. S&amp;P
Dow Jones Indices LLC or FTSE Russell, may discontinue or suspend calculation or publication of either underlying at any time without
regard to your interests as holders of the notes.</TD></TR></TABLE>

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


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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The U.S. federal tax consequences of an investment in th<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">e notes ar</FONT>e
unclear </B>&mdash;&nbsp;&nbsp;There is no direct legal authority regarding the proper U.S. federal tax treatment of the notes, and we
do not plan to request a ruling from the Internal Revenue Service (the &ldquo;IRS&rdquo;).&nbsp;&nbsp;Consequently, significant aspects
of the tax treatment of the notes are uncertain, and the IRS or a court might not agree with the treatment of the notes as prepaid forward
contracts.&nbsp;&nbsp;If the IRS were successful in asserting an alternative treatment of the notes, the tax consequences of the ownership
and disposition of the notes might be materially and adversely affected.&nbsp;&nbsp;Moreover, future legislation, Treasury regulations
or IRS guidance could adversely affect the U.S. federal tax treatment of the notes, possibly retroactively.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">If you are a non-U.S. investor, you should
review the discussion of withholding tax issues in &ldquo;United States Federal Tax Considerations&mdash;Non-U.S. Holders&rdquo; below.</P>

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

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

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #00D581; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #788D41">
    <TD STYLE="width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>
</B></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">
<FONT STYLE="background-color: yellow">
</FONT></FONT><FONT STYLE="font-size: 10pt; color: white"><B>Hypothetical Examples </B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Hypothetical terms only. Actual terms may vary.
See the cover page for actual offering terms.</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The examples below illustrate the hypothetical payment upon automatic
call or at maturity for a $10.00 stated principal amount note with the following assumptions*:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; width: 34%; border: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Stated principal amount:</FONT></TD>
    <TD STYLE="padding-right: 4pt; width: 66%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">$10.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Term:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">3 years (unless earlier called)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Hypothetical initial underlying levels:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">For each underlying, 100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Hypothetical downside thresholds:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">For each underlying, 75.00 (which is 75% of its hypothetical initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Hypothetical call return rate:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">9.60% per annum</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Valuation dates:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Valuation dates will occur quarterly (beginning one year after issuance) as set forth on page PS-6 in this pricing supplement.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><B>*<I>(i) The hypothetical call return
rate per annum may not represent the actual call return rate per annum and (ii) the hypothetical initial underlying levels and downside
thresholds may not represent the actual initial underlying levels and downside thresholds, respectively, applicable to the underlyings.&nbsp;&nbsp;The
actual call return rate, initial underlying levels and downside thresholds for the notes <FONT STYLE="background-color: white">will be
determined on the trade date. We have used these hypothetical values, rather than the actual values, to simplify the calculations and
aid understanding of how the notes work. However, you should understand that any actual payments on the notes will be calculated based
on the actual initial underlying prices and downside thresholds for the notes and not on the hypothetical values indicated above.</FONT></I></B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 1 &mdash; The Closing Level of the Least Performing Underlying
is Greater Than its Initial Underlying Level on the First Valuation Date; the Notes are Called</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="2" STYLE="padding-right: 4pt; width: 39%; border: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Closing levels on first valuation date:</FONT></TD>
    <TD STYLE="padding-right: 4pt; width: 61%; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index: 110.00 (greater than or equal to its initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Russell 2000<SUP>&reg; </SUP>Index: 105.000 (greater than or equal to its initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Call price (per $10.00 stated principal amount):</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">$10.96</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In this example, on the first valuation date, the underlying return
of the S&amp;P 500<SUP>&reg;</SUP> Index is 10% and the underlying return of the Russell 2000<SUP>&reg;</SUP> Index is 5%.&nbsp;&nbsp;Because
the underlying return of the Russell 2000<SUP>&reg; </SUP>Index&nbsp;&nbsp;is less than the underlying return of the S&amp;P 500<SUP>&reg;</SUP>
Index on the first valuation date, the Russell 2000<SUP>&reg;</SUP> Index is the least performing underlying on the first valuation date.&nbsp;&nbsp;In
this example, because the closing level of the least performing underlying is greater than its respective initial underlying level on
the first valuation date, the notes would be called on the first valuation date and we would pay you on the applicable call settlement
date a total call price of $10.96 per $10.00 stated principal amount (a 9.60% total return on the notes).</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 2 &mdash; The Closing Level of The Least Performing Underlying
is Less Than its Initial Underlying Level on Each Valuation Date Prior to the Final Valuation Date but is Greater Than its Downside Threshold
on the Final Valuation Date; the Notes are Called</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="2" STYLE="padding-right: 4pt; width: 39%; border: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Closing levels on first valuation date:</FONT></TD>
    <TD STYLE="padding-right: 4pt; width: 61%; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index: 86.00 (less than its initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Russell 2000<SUP>&reg;</SUP> Index: 92.000 (less than its initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="2" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Closing levels on second through eighth valuation dates:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index: each less than its initial underlying level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Russell 2000<SUP>&reg;</SUP> Index: each less than its initial underlying level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="2" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Closing levels on final valuation date:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index: 85.00 (greater than its downside threshold)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Russell 2000<SUP>&reg;</SUP> Index: 120.000 (greater than its downside threshold)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Call price (per $10.00 stated principal amount):</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$10.00 + call return</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$10.00 + $2.88</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$12.88</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In this example, the closing level of the least performing underlying
on each valuation date prior to the final valuation date is less than its respective initial underlying level, and as a result the notes
are not automatically called following any of the valuation dates prior to the final valuation date.&nbsp;&nbsp;On the final valuation
date, the underlying return of the S&amp;P 500<SUP>&reg;</SUP> Index is -15% and the underlying return of the Russell 2000<SUP>&reg;</SUP>
Index is 20%.&nbsp;&nbsp;As a result, the S&amp;P 500<SUP>&reg;</SUP> Index is the least performing underlying on the final valuation
date.&nbsp;&nbsp;In this example, because the final underlying level of the least performing underlying is greater than its downside threshold
on the final valuation date, the notes are called and we would pay you at maturity a total of $12.88 (the $10.00 stated principal amount
<I>plus</I> the call return of 28.80%).</P>

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


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 3 &mdash; Notes are NOT Called and the Final Underlying Level
of the Least Performing Underlying is Less Than Its Downside Threshold on the Final Valuation Date</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="2" STYLE="padding-right: 4pt; width: 39%; border: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Closing levels on first valuation date:</FONT></TD>
    <TD STYLE="padding-right: 4pt; width: 61%; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index: 70.00 (less than its initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Russell 2000<SUP>&reg; </SUP>Index: 85.000 (less than its initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="2" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Closing levels on second through eighth valuation dates:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index: each less than its initial underlying level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Russell 2000<SUP>&reg;</SUP> Index: each less than its initial underlying level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="2" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Closing levels on final valuation date:</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index: 80.00 (less than its initial underlying level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Russell 2000<SUP>&reg; </SUP>Index: 30.000 (less than its initial underlying level and downside threshold)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt"><FONT STYLE="font-size: 10pt">Payment at maturity (per $10.00 stated principal amount):</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$10.00 + ($10.00 &times; underlying return of the least performing underlying)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$10.00 + (&ndash;$7.00)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$3.00</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In this example, the closing level of the least performing underlying
on each valuation date prior to the final valuation date is less than its respective initial underlying level, and as a result the notes
are not automatically called following any of the valuation dates prior to the final valuation date.&nbsp;&nbsp;On the final valuation
date, the underlying return of the S&amp;P 500<SUP>&reg;</SUP> Index is -20% and the underlying return of the Russell 2000<SUP>&reg;</SUP>
Index is -70%.&nbsp;&nbsp;As a result, the Russell 2000<SUP>&reg;</SUP> Index is the least performing underlying on the final valuation
date.&nbsp;&nbsp;In this example, because the notes are not called and the final underlying level of the least performing underlying is
less than its downside threshold on the final valuation date, you would incur a loss at maturity equal to the full decline of the least
performing underlying.&nbsp;&nbsp;In this scenario, even though one of the underlyings closed above its downside threshold on the final
valuation date, your payment at maturity will be based solely on the least performing underlying and you would not benefit from the performance
of the other underlying.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white; color: #222222">&nbsp;</P>

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<TR>
    <TD STYLE="font-size: 10pt; color: white; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B></B></FONT><B>
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The S&amp;P 500<SUP>&reg;</SUP> Index</FONT></B></TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white; color: #222222">The S&amp;P 500<SUP>&reg;</SUP>&nbsp;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. The S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index is reported
by Bloomberg L.P. under the ticker symbol &ldquo;SPX.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white; color: #222222">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white; color: #222222">&ldquo;Standard &amp; Poor&rsquo;s,&rdquo;
&ldquo;S&amp;P&rdquo; and &ldquo;S&amp;P 500<SUP>&reg;</SUP>&rdquo; are trademarks of Standard &amp; Poor&rsquo;s Financial Services LLC
and have been licensed for use by Citigroup Inc. and its affiliates. For more information, see &ldquo;Equity Index Descriptions&mdash;The
S&amp;P U.S. Indices&mdash;License Agreement&rdquo; in the accompanying underlying supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white; color: #222222">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white; color: #222222">Please refer to the section
&ldquo;Equity Index Descriptions&mdash;The S&amp;P U.S. Indices&rdquo; in the accompanying underlying supplement for important disclosures
regarding the S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white; color: #222222">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>The graph below illustrates the performance of the S&amp;P 500<SUP>&reg;</SUP>
Index from January 2, 2015 to November 7, 2025.&nbsp;&nbsp;The closing level of the S&amp;P 500<SUP>&reg;</SUP> Index on November 7, 2025
was 6,728.80.&nbsp;&nbsp;We obtained the closing levels of the S&amp;P 500<SUP>&reg;</SUP> Index from Bloomberg, and we have not participated
in the preparation of or verified such information.&nbsp;&nbsp;The historical closing levels of the S&amp;P 500<SUP>&reg;</SUP> Index
should not be taken as an indication of future performance and no assurance can be given as to the final underlying level or any future
closing level of the S&amp;P 500<SUP>&reg;</SUP> Index. We cannot give you assurance that the performance of the S&amp;P 500<SUP>&reg;</SUP>
Index will result in a positive return on your initial investment and you could lose a significant portion or all of the stated principal
amount at maturity.</I></B></P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_006.gif" ALT="" STYLE="height: 315px; width: 577px"></P>

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

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

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<TR>
    <TD STYLE="font-size: 10pt; color: white; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B> </B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    Russell 2000<SUP>&reg;</SUP> Index</FONT></B></TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Russell 2000<SUP>&reg;</SUP> Index is designed to track the performance
of the small capitalization segment of the U.S. equity market.&nbsp;&nbsp;All stocks included in the Russell 2000<SUP>&reg;</SUP> Index
are traded on a major U.S. exchange.&nbsp;&nbsp;It is calculated and maintained by FTSE Russell, a subsidiary of London Stock Exchange
Group.&nbsp;&nbsp;The Russell 2000<SUP>&reg;</SUP> Index is reported by Bloomberg L.P. under the ticker symbol &ldquo;RTY.&rdquo;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Russell 2000<SUP>&reg;</SUP> Index&rdquo; is a trademark of FTSE
Russell and has been licensed for use by Citigroup Inc. and its affiliates.&nbsp;&nbsp;For more information, see &ldquo;Equity Index Descriptions&mdash;The
Russell Indices&mdash;Disclaimers&rdquo; in the accompanying underlying supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Please refer to the section &ldquo;Equity Index Descriptions&mdash;The
Russell Indices&rdquo; in the accompanying underlying supplement for important disclosures regarding the Russell 2000<SUP>&reg;</SUP>
Index.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>The graph below illustrates the performance of the Russell 2000<SUP>&reg;</SUP>
Index from January 2, 2015 to November 7, 2025.&nbsp;&nbsp;The closing level of the Russell 2000<SUP>&reg;</SUP> Index on November 7,
2025 was 2,432.824.&nbsp;&nbsp;We obtained the closing levels of the Russell 2000<SUP>&reg;</SUP> Index from Bloomberg, and we have not
participated in the preparation of or verified such information.&nbsp;&nbsp;Currently, whereas the sponsor of the Russell 2000<SUP>&reg;</SUP>
Index publishes the official closing level of the Russell 2000<SUP>&reg;</SUP> Index to six decimal places, Bloomberg reports the closing
level to three decimal places. As a result, the closing level of the Russell 2000<SUP>&reg;</SUP> Index reported by Bloomberg may be lower
or higher than the official closing level of the Russell 2000<SUP>&reg;</SUP> Index published by the sponsor of the Russell 2000<SUP>&reg;</SUP>
Index.&nbsp;&nbsp;The historical closing levels of the Russell 2000<SUP>&reg;</SUP> Index should not be taken as an indication of future
performance and no assurance can be given as to the final underlying level or any future closing level of the Russell 2000<SUP>&reg;</SUP>
Index. We cannot give you assurance that the performance of the Russell 2000<SUP>&reg;</SUP> Index will result in a positive return on
your initial investment and you could lose a significant portion or all of the stated principal amount at maturity.</I></B></P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_007.gif" ALT="" STYLE="height: 315px; width: 577px"></P>

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


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #788D41; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 100%; font-size: 10pt; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>
</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Correlation of the Underlyings</FONT></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following graph sets forth the historical performances of the <FONT STYLE="color: #222222">S&amp;P
500<SUP>&reg;</SUP><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT>Index</FONT> and the Russell 2000<SUP>&reg;</SUP>
Index from January 2, 2015 through November 7, 2025, based on the daily closing levels of the underlyings.&nbsp;&nbsp;For comparison purposes,
each underlying has been normalized to have a closing level of 100.00 on January 2, 2015 by dividing the closing level of that underlying
on each day by the closing level of that underlying on January 2, 2015 and multiplying by 100.00.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We obtained the closing levels used to determine the normalized closing
levels set forth below from Bloomberg, without independent verification. Historical performance of the underlyings should not be taken
as an indication of future performance. Future performance of the underlyings may differ significantly from historical performance, and
no assurance can be given as to the closing levels of the underlyings during the term of the notes, including on any valuation date.&nbsp;&nbsp;Moreover,
any historical correlation between the underlyings is not indicative of the degree of correlation between the underlyings, if any, over
the term of the notes.</P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_008.gif" ALT="" STYLE="height: 315px; width: 577px"></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>PAST PERFORMANCE AND CORRELATION BETWEEN THE
UNDERLYINGS IS NOT INDICATIVE OF FUTURE PERFORMANCE OR CORRELATION</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Correlation is a measure of the extent to which two underlyings tend
to increase or decrease at similar times and by similar magnitudes over a given time period.&nbsp;&nbsp;The closer the relationship of
the returns of a pair of underlyings over a given period, the more correlated those underlyings are.&nbsp;&nbsp;Conversely, the less closely
related the returns of a pair of underlyings, the less correlated those underlyings are.&nbsp;&nbsp;Two underlyings may also be inversely
correlated, which means that they tend to move in opposite directions from one another.&nbsp;&nbsp;The graph above illustrates the historical
performance of each underlying relative to the other over the time period shown and provides an indication of how close the performance
of each underlying has historically been to the other underlying.&nbsp;&nbsp;However, the graph does not provide a precise measure of
correlation and there may be relevant aspects of the historical correlation between the underlyings that cannot be discerned from the
graph.&nbsp;&nbsp;Furthermore, regardless of the degree of correlation between the underlyings in the past, past correlation is not indicative
of future correlation, and it is possible that the underlyings will exhibit significantly lower correlation in the future than they did
in the past.&nbsp;&nbsp;We cannot predict the relationship between the underlyings over the term of the notes. For additional information,
see &ldquo;Summary Risk Factors&mdash;You will be subject to risks relating to the relationship between the underlyings.&rdquo;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The lower (or more negative) the correlation between the underlyings,
the less likely it is that the underlyings will move in the same direction at the same time and, therefore, the greater the potential
for one of the underlyings to close below its initial underlying level or downside threshold on any valuation date or the final valuation
date, respectively.&nbsp;&nbsp;This is because the less correlated the underlyings are, the greater the likelihood that at least one of
the underlyings will decrease in value. However, even if the underlyings have a higher correlation, one or both of the underlyings might
close below its initial underlying level or downside threshold on any valuation date or the final valuation date, respectively, as both
of the underlyings may decrease in value together.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The terms of the notes are set, in part, based on expectations about
the correlation between the underlyings as of the trade date.&nbsp;&nbsp;If expectations about the correlation between the underlyings
change over the term of the notes, the value of the notes may be adversely affected, and if the actual correlation between the underlyings
proves to be lower than initially expected, the notes may prove to be riskier than expected on the trade date.&nbsp;&nbsp;The correlation
referenced in setting the terms of the notes is calculated using CGMI&rsquo;s proprietary derivative-pricing model and is not derived
from the returns of the underlyings over the period set forth in the graph above.&nbsp;&nbsp;In addition, factors and inputs other than
correlation impact how the terms of the notes are set and the performance of the notes.</P>

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


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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: #788D41">
    <TD STYLE="width: 100%"><FONT STYLE="font-size: 10pt; color: white"><B>United States Federal Tax Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You should read carefully the discussion under &ldquo;United States
Federal Tax Considerations&rdquo; and &ldquo;Risk Factors Relating to the Securities&rdquo; in the accompanying product supplement and
&ldquo;Summary Risk Factors&rdquo; in this pricing supplement.&nbsp;&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of our counsel, Davis Polk &amp; Wardwell LLP, a note
should be treated as a prepaid forward contract for U.S. federal income tax purposes.&nbsp;&nbsp;By purchasing a note, you agree (in the
absence of an administrative determination or judicial ruling to the contrary) to this treatment.&nbsp;&nbsp;There is uncertainty regarding
this treatment, and the IRS or a court might not agree with it. Moreover, our counsel&rsquo;s opinion is based on market conditions as
of the date of this preliminary pricing supplement and is subject to confirmation on the pricing date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Assuming this treatment of the notes is respected and subject to the
discussion in &ldquo;United States Federal Tax Considerations&rdquo; in the accompanying product supplement, the following U.S. federal
income tax consequences should result under current law:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>You should not recognize taxable income over the term of the notes prior to maturity, other than pursuant to a sale or exchange.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Upon a sale or exchange of a note (including retirement at maturity), you should recognize capital gain or loss equal to the difference
between the amount realized and your tax basis in the note.&nbsp;&nbsp;Such gain or loss should be long-term capital gain or loss if you
held the note for more than one year.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We do not plan to request a ruling from the IRS regarding the treatment
of the notes. An alternative characterization of the notes could materially and adversely affect the tax consequences of ownership and
disposition of the notes, including the timing and character of income recognized. In addition, the U.S. Treasury Department and the IRS
have requested comments on various issues regarding the U.S. federal income tax treatment of &ldquo;prepaid forward contracts&rdquo; and
similar financial instruments and have indicated that such transactions may be the subject of future regulations or other guidance. Furthermore,
members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any legislation, Treasury regulations
or other guidance promulgated after consideration of these issues could materially and adversely affect the tax consequences of an investment
in the notes, possibly with retroactive effect. You should consult your tax adviser regarding possible alternative tax treatments of the
notes and potential changes in applicable law.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Non-U.S. Holders</B>. Subject to the discussions below and in &ldquo;United
States Federal Tax Considerations&rdquo; in the accompanying product supplement, if you are a Non-U.S. Holder (as defined in the accompanying
product supplement) of the notes, you generally should not be subject to U.S. federal withholding or income tax in respect of any amount
paid to you with respect to the 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.</P>

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

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

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

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

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

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

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

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

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

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

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


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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: #788D41">
    <TD STYLE="width: 100%"><FONT STYLE="font-size: 10pt; color: white"><B>Supplemental Plan of Distribution</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI, an affiliate of Citigroup Global Markets Holdings Inc. and the
lead agent for the sale of the notes, will receive an underwriting discount of $0.10 for any note sold in this offering.&nbsp;&nbsp;UBS,
as agent for sales of the notes, expects to purchase from CGMI, and CGMI expects to sell to UBS, all of the notes sold in this offering
for $9.90 per note.&nbsp;&nbsp;UBS proposes to offer the notes to the public at a price of $10.00 per note.&nbsp;&nbsp;UBS will receive
an underwriting discount of $0.10 for each note it sells to the public.&nbsp;&nbsp;The underwriting discount will be received by UBS and
its financial advisors collectively.&nbsp;&nbsp;If all of the notes are not sold at the initial offering price, CGMI may change the public
offering price and other selling terms. For the avoidance of doubt, the underwriting discount will not be rebated if the notes are automatically
called prior to maturity.</P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #788D41">
    <TD STYLE="width: 100%"><FONT STYLE="font-size: 10pt; color: white"><B>Valuation of the Notes</B></FONT></TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI calculated the estimated value of the notes set forth on the cover
page of this pricing supplement based on proprietary pricing models.&nbsp;&nbsp;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;<B>bond component</B>&rdquo;) and one or more derivative instruments underlying
the economic terms of the notes (the &ldquo;<B>derivative component</B>&rdquo;).&nbsp;&nbsp;CGMI calculated the estimated value of the
bond component using a discount rate based on our internal funding rate.&nbsp;&nbsp;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.&nbsp;&nbsp;These inputs may be market-observable or may be based on assumptions made by CGMI
in its discretionary judgment.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The estimated value of the notes is a function of the terms of the notes
and the inputs to CGMI&rsquo;s proprietary pricing models. As of the date of this preliminary pricing supplement, it is uncertain what
the estimated value of the notes will be on the trade 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 trade date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During a temporary adjustment period immediately following issuance
of the notes, the price, if any, at which CGMI would be willing to buy the notes from investors, and the value that will be indicated
for the notes on any account statements prepared by CGMI or its affiliates (which value CGMI may also publish through one or more financial
information vendors), will reflect a temporary upward adjustment from the price or value that would otherwise be determined.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>This
temporary upward adjustment represents a portion of the hedging profit expected to be realized by CGMI or its affiliates over the term
of the notes.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>The amount of this temporary upward adjustment
will decline to zero over the temporary adjustment period.<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT>CGMI
currently expects that the temporary adjustment period will be approximately four months, but the actual length of the temporary adjustment
period may be shortened due to various factors, such as the volume of secondary market purchases of the notes and other factors that cannot
be predicted.&nbsp;&nbsp;However, CGMI 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;</P>

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

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

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

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