<SEC-DOCUMENT>0000950103-25-015076.txt : 20251120
<SEC-HEADER>0000950103-25-015076.hdr.sgml : 20251120
<ACCEPTANCE-DATETIME>20251120091727
ACCESSION NUMBER:		0000950103-25-015076
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251120
DATE AS OF CHANGE:		20251120

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:		251501333

	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:		251501334

	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>dp237671_424b2-us2530764d.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

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    <P STYLE="color: red; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><BR>
The information in this preliminary pricing supplement is not complete and may be changed. A registration statement relating to these
securities has been filed with the Securities and Exchange Commission. This preliminary pricing supplement and the accompanying product
supplement, underlying supplement, prospectus supplement and prospectus are not an offer to sell these securities, nor are they soliciting
an offer to buy these securities, in any state where the offer or sale is not permitted.&nbsp;</P>
    <P STYLE="color: red; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">SUBJECT TO COMPLETION, DATED NOVEMBER
    20, 2025</P>
    <P STYLE="color: red; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt; color: #888888"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD>
    <TD STYLE="width: 50%">
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">December&nbsp;&nbsp;&nbsp;&nbsp;,
2025</P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Medium-Term Senior Notes,
Series N</P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Pricing Supplement No. 2025-USNCH29443</P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Filed Pursuant to Rule 424(b)(2)</P>
    <P STYLE="color: gray; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Registration Statement Nos.
333-270327 and 333-270327-01</P></TD></TR>
  </TABLE>
<P STYLE="color: #59AE43; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Autocallable Contingent Coupon Equity Linked Securities
Linked to VanEck<SUP>&reg;</SUP> Semiconductor ETF Due January 14, 2027</P>

<P STYLE="color: #59AE43; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-size: 10pt">&squarf;</FONT></TD><TD>The securities offered by this pricing supplement are unsecured
debt securities issued by Citigroup Global Markets Holdings Inc. and guaranteed by Citigroup Inc. The securities offer the potential
for periodic contingent coupon payments at an annualized rate that, if all are paid, would produce a yield that is generally higher than
the yield on our conventional debt securities of the same maturity. In exchange for this higher potential yield, you must be willing
to accept the risks that (i) your actual yield may be lower than the yield on our conventional debt securities of the same maturity because
you may not receive one or more, or any, contingent coupon payments, (ii) the value of what you receive at maturity may be significantly
less than the stated principal amount of your securities, and may be zero, and (iii) the securities may be automatically called for redemption
prior to maturity beginning on the first potential autocall date specified below. Each of these risks will depend on the performance
of the underlying specified below. Although you will have downside exposure to the underlying, you will not receive dividends with respect
to the underlying or participate in any appreciation of the underlying.</TD>
</TR></TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #59AE43">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt; color: white"><B>KEY TERMS</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%"><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Issuer:</B></FONT></TD>
    <TD STYLE="width: 77%"><FONT STYLE="font-size: 10pt">Citigroup Global Markets Holdings Inc., a wholly owned subsidiary of Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Guarantee:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">All payments due on the securities are fully and unconditionally guaranteed by Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Underlying:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">The VanEck<SUP>&reg;</SUP> Semiconductor ETF</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Stated principal amount:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">$1,000 per security</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Pricing date:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">December 9, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Issue date:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">December 12, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Valuation dates:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">January 9, 2026, February 9, 2026, March 9, 2026, April 9, 2026, May 11, 2026, June 9, 2026, July 9, 2026, August 10, 2026, September 9, 2026, October 9, 2026, November 9, 2026, December 9, 2026 and January 11, 2027 (the &ldquo;final valuation date&rdquo;), each subject to postponement if such date is not a scheduled trading day or certain market disruption events occur</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Maturity date:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Unless earlier redeemed, January 14, 2027</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Contingent coupon payment dates:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">The third business day after each valuation date, except that the contingent coupon payment date following the final valuation date will be the maturity date</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Contingent coupon:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">On each contingent coupon payment date, unless previously redeemed, the securities will pay a contingent coupon equal to at least 1.4833% of the stated principal amount of the securities (equivalent to a contingent coupon rate of approximately at least 17.80% per annum) (to be determined on the pricing date) <B>if and only if</B> the closing value of the underlying on the immediately preceding valuation date is greater than or equal to the coupon barrier value. <B>If the closing value of the underlying on any valuation date is less than the coupon barrier value, you will not receive any contingent coupon payment on the immediately following contingent coupon payment date. </B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Payment at maturity:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the securities are not automatically redeemed prior to maturity,
    you will receive at maturity for each security you then hold (in addition to the final contingent coupon payment, if applicable):</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -8.5pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT>&nbsp;&nbsp;If
the final underlying value is <B>greater than or equal to</B> the initial underlying value: $1,000</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -8.5pt"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -8.5pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT>&nbsp;&nbsp;If
the final underlying value is <B>less than</B> the initial underlying value and a knock-in event <B>has not</B> occurred: $1,000</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -8.5pt"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -8.5pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT>&nbsp;&nbsp;If
    the final underlying value is <B>less than</B> the initial underlying value and a knock-in event <B>has</B> occurred:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -8.5pt"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt">a fixed number of underlying shares of the underlying equal
    to the equity ratio (or, if we elect, the cash value of those shares based on the final underlying value)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If the securities are not automatically redeemed prior to maturity,
    the final underlying value is less than the initial underlying value and a knock-in event has occurred, you will receive underlying shares
    (or, in our sole discretion, cash) that will be worth less than the stated principal amount of your securities, and possibly nothing,
    at maturity.</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Initial underlying value:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">$&#9;&nbsp;&nbsp;, the closing value of the underlying on the pricing date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Final underlying value:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">The closing value of the underlying on the final valuation date</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Coupon barrier value:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">$&#9;&nbsp;&nbsp;, 80.00% of the initial underlying value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Knock-in value:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">$&#9;&nbsp;&nbsp;, 80.00% of the initial underlying value</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Equity ratio:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&#9;&nbsp;&nbsp;&nbsp;&nbsp;, the stated principal amount <I>divided</I> by the initial underlying value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Listing:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">The securities will not be listed on any securities exchange</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Underwriter:</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Citigroup Global Markets Inc. (&ldquo;<B>CGMI</B>&rdquo;), an affiliate of the issuer, acting as principal</FONT></TD></TR>
  </TABLE>
<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: 23%"><FONT STYLE="font-size: 10pt; color: rgb(89,174,67)"><B>Underwriting fee and issue price:</B></FONT></TD>
    <TD STYLE="width: 23%; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Issue price<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="width: 28%; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Underwriting fee<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="width: 26%; text-align: center"><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Proceeds to issuer<SUP>(3)</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Per security:</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$21.50</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$978.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Total:</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><I>(Key Terms continued on next page)</I>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(1) Citigroup Global Markets Holdings Inc. currently expects that the
estimated value of the securities on the pricing date will be at least $916.00 per security, which will be less than the issue price.
The estimated value of the securities is based on CGMI&rsquo;s proprietary pricing models and our internal funding rate. It is not an
indication of actual profit to CGMI or other of our affiliates, nor is it an indication of the price, if any, at which CGMI or any other
person may be willing to buy the securities from you at any time after issuance. See &ldquo;Valuation of the Securities&rdquo; in this
pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(2) CGMI will receive an underwriting fee of up to $21.50 for each security
sold in this offering. The total underwriting fee and proceeds to issuer in the table above give effect to the actual total underwriting
fee. For more information on the distribution of the securities, see &ldquo;Supplemental Plan of Distribution&rdquo; in this pricing supplement.
In addition to the underwriting fee, CGMI and its affiliates may profit from expected hedging activity related to this offering, even
if the value of the securities declines. See &ldquo;Use of Proceeds and Hedging&rdquo; in the accompanying prospectus.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(3) The per security proceeds to issuer indicated above represent the
minimum per security proceeds to issuer for any security, assuming the maximum per security underwriting fee. As noted above, the underwriting
fee is variable.</P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investing in the securities involves risks not associated with an
investment in conventional debt securities. See &ldquo;Summary Risk Factors&rdquo; beginning on page PS-6.</B></P>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>You should read this pricing supplement together
with the accompanying product supplement, prospectus supplement and prospectus, which can be accessed via the hyperlinks below:</I></B>&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="width: 50%; text-align: center"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003814/dp190219_424b2-coba0410.htm" STYLE="color: rgb(89,174,67); text-decoration: underline"><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Product Supplement No. EA-04-10 dated March 7, 2023</B></FONT></A></TD>
    <TD STYLE="width: 50%; text-align: center"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003815/dp189981_424b2-us11.htm" STYLE="color: rgb(89,174,67); text-decoration: underline"><FONT STYLE="font-size: 10pt; color: #59AE43"><B>Underlying Supplement No. 11 dated March 7, 2023</B></FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #59AE43"><B><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm" STYLE="color: rgb(89,174,67); text-decoration: underline">Prospectus Supplement and Prospectus each dated March 7, 2023</A></B>&nbsp;</P>

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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  <TR STYLE="vertical-align: top; background-color: #59AE43">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt; color: white"><B>KEY TERMS (continued)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%"><FONT STYLE="color: #59AE43"><B>Automatic early redemption:</B></FONT></TD>
    <TD STYLE="width: 77%">If, on any potential autocall date, the closing value of the underlying is greater than or equal to the initial underlying value, each security you then hold will be automatically called on that potential autocall date for redemption on the immediately following contingent coupon payment date for an amount in cash equal to $1,000.00 <I>plus</I> the related contingent coupon payment. <B>The automatic early redemption feature may significantly limit your potential return on the securities. If the underlying performs in a way that would otherwise be favorable, the securities are likely to be automatically called for redemption prior to maturity, cutting short your opportunity to receive contingent coupon payments. The securities may be automatically called for redemption as early as the first potential autocall date specified below.</B></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="color: #59AE43"><B>Potential autocall dates:</B></FONT></TD>
    <TD>The valuation dates scheduled to occur on June 9, 2026, July 9, 2026, August 10, 2026, September 9, 2026, October 9, 2026, November 9, 2026 and December 9, 2026</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #59AE43"><B>Knock-in event:</B></FONT></TD>
    <TD>A knock-in event will occur if, on any scheduled trading day during the observation period, the closing value of the underlying is less than the knock-in value</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #EAF3E5">
    <TD><FONT STYLE="color: #59AE43"><B>Observation period:</B></FONT></TD>
    <TD>The period from but excluding the pricing date to and including the final valuation date</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #59AE43"><B>CUSIP / ISIN:</B></FONT></TD>
    <TD>17331BWP0 / US17331BWP02</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Additional Information</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>General.</B> The terms of the securities are set forth in the accompanying
product supplement, prospectus supplement and prospectus, as supplemented by this pricing supplement. The accompanying product supplement,
prospectus supplement and prospectus contain important disclosures that are not repeated in this pricing supplement. For example, the
accompanying product supplement contains important information about how the closing value of the underlying will be determined and about
adjustments that may be made to the terms of the securities upon the occurrence of market disruption events and other specified events
with respect to the underlying. The accompanying underlying supplement contains information about the underlying that is not repeated
in this pricing supplement. It is important that you read the accompanying product supplement, underlying supplement, prospectus supplement
and prospectus together with this pricing supplement in deciding whether to invest in the securities. Certain terms used but not defined
in this pricing supplement are defined in the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Closing Value.</B> The &ldquo;closing value&rdquo; of the underlying
on any date is the closing price of its underlying shares on such date, as provided in the accompanying product supplement. The &ldquo;underlying
shares&rdquo; of the underlying are its shares that are traded on a U.S. national securities exchange. Please see the accompanying product
supplement for more information.</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>Underlying Prospectus.</B>&nbsp;In addition to this pricing supplement
and the accompanying product supplement, prospectus supplement and prospectus, you should read the prospectus for the underlying on file
at the SEC website, which can be accessed via the hyperlink below. The contents of that prospectus and any documents incorporated by reference
therein are not incorporated by reference herein or in any way made a part hereof.</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">Prospectus for the VanEck<SUP>&reg;</SUP> Semiconductor ETF dated February
1, 2025: <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1137360/000113736025000019/cik0001137360-20240930.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/ix?doc=/Archives/edgar/data/1137360/000113736025000019/cik0001137360-20240930.htm</A>&nbsp;&nbsp;</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Hypothetical Examples</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="background-color: #EAF3E5">
    <TD STYLE="border: #59AE43 1pt solid; padding-right: 6pt; width: 30%; padding-left: 6pt"><FONT STYLE="color: #59AE43"><B>Hypothetical initial underlying value:</B></FONT></TD>
    <TD STYLE="border-top: #59AE43 1pt solid; padding-right: 6pt; width: 70%; border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; padding-left: 6pt">$100.00</TD></TR>
  <TR>
    <TD STYLE="border-right: #59AE43 1pt solid; padding-right: 6pt; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; padding-left: 6pt"><FONT STYLE="color: #59AE43"><B>Hypothetical coupon barrier value:</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; padding-right: 6pt; border-bottom: #59AE43 1pt solid; padding-left: 6pt">$80.000 (80.00% of the hypothetical initial underlying value)</TD></TR>
  <TR STYLE="background-color: #EAF3E5">
    <TD STYLE="border-right: #59AE43 1pt solid; padding-right: 6pt; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; padding-left: 6pt"><FONT STYLE="color: #59AE43"><B>Hypothetical knock-in value:</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; padding-right: 6pt; border-bottom: #59AE43 1pt solid; padding-left: 6pt">$80.000 (80.00% of the hypothetical initial underlying value)</TD></TR>
  <TR>
    <TD STYLE="border-right: #59AE43 1pt solid; padding-right: 6pt; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; padding-left: 6pt"><FONT STYLE="color: #59AE43"><B>Hypothetical equity ratio:</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; padding-right: 6pt; border-bottom: #59AE43 1pt solid; padding-left: 6pt">10.00000 (the stated principal amount divided by the hypothetical initial underlying value)</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><B><I>Hypothetical Examples of Contingent Coupon Payments
and any Payment upon Automatic Early Redemption Following a Valuation Date that is also a Potential Autocall Date</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 34%; border: #59AE43 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 33%; border-top: #59AE43 1pt solid; border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><B>Hypothetical closing value of the underlying on hypothetical valuation date</B></TD>
    <TD STYLE="width: 33%; border-top: #59AE43 1pt solid; border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><B>Hypothetical payment per $1,000.00 security on related contingent coupon payment date</B></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; text-align: center"><FONT STYLE="color: #59AE43"><B>Example 1</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0">$85<BR> (greater than coupon barrier value; less than</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">initial underlying value)</P></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><B>$14.833</B><BR> (contingent coupon is paid; securities not</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">redeemed)</P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; text-align: center"><FONT STYLE="color: #59AE43"><B>Example 2</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center">$45<BR>
(less than coupon barrier value)</TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><B>$0.000</B><BR> (no contingent coupon; securities not</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">redeemed)</P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; text-align: center"><FONT STYLE="color: #59AE43"><B>Example 3</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0">$110<BR> (greater than coupon barrier value and initial</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">underlying value)</P></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><B>$1,014.833</B><BR> (contingent coupon is paid; securities</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">redeemed)</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"><FONT STYLE="color: #59AE43"><B>Example 1:</B></FONT> On the hypothetical
valuation date, the closing value of the underlying is greater than the coupon barrier value but less than the initial underlying value.
As a result, investors in the securities would receive the contingent coupon payment on the related contingent coupon payment date and
the securities would not be automatically redeemed.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #59AE43"><B>Example 2:</B></FONT> On the hypothetical
valuation date, the closing value of the underlying is less than the coupon barrier value. As a result, investors would not receive any
payment on the related contingent coupon payment date and the securities would not be automatically redeemed.</P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #59AE43"><B>Example 3:</B></FONT> On the hypothetical
valuation date, the closing value of the underlying is greater than both the coupon barrier value and the initial underlying value. As
a result, the securities would be automatically redeemed on the related contingent coupon payment date for an amount in cash equal to
$1,000.00 <I>plus</I> the related contingent coupon payment.</P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43"><B><I>Hypothetical Examples of the Payment at Maturity
on the Securities</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The next four hypothetical examples illustrate the calculation of the
payment at maturity on the securities, assuming that the securities have not been earlier automatically redeemed and that the final underlying
value is as indicated below.</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: bottom">
    <TD STYLE="width: 25%; border: #59AE43 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 25%; border-top: #59AE43 1pt solid; border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><B>Hypothetical final underlying value</B></TD>
    <TD STYLE="width: 25%; border-top: #59AE43 1pt solid; border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><B>Has a knock-in event occurred?</B></TD>
    <TD STYLE="width: 25%; border-top: #59AE43 1pt solid; border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><B>Hypothetical payment at maturity</B></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><B>per $1,000.00 security</B></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; text-align: center"><FONT STYLE="color: #59AE43"><B>Example 4</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center">$110<BR>
(greater than knock-in value)</TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center">No</TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><B>$1,014.833</B><BR>
(contingent coupon is paid)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; text-align: center"><FONT STYLE="color: #59AE43"><B>Example 5</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center">$90<BR>
(less than initial underlying value)</TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center">No</TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><B>$1,014.833</B><BR>
(contingent coupon is paid)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; text-align: center"><FONT STYLE="color: #59AE43"><B>Example 6</B></FONT></TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center">$90<BR>
(less than initial underlying value)</TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center">Yes</TD>
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; text-align: center"><B>A number of underlying shares of the underlying (or, in our sole discretion, cash) worth $900.000 (contingent coupon is paid) based on the final underlying value</B></TD></TR>
</TABLE>

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

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #59AE43">&nbsp;</TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #59AE43"><FONT STYLE="font-size: 10pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border: rgb(89,174,67) 1pt solid; text-align: center; width: 25%"><FONT STYLE="color: #59AE43"><B>Example 7</B></FONT></TD>
    <TD STYLE="border-top: rgb(89,174,67) 1pt solid; border-right: rgb(89,174,67) 1pt solid; border-bottom: rgb(89,174,67) 1pt solid; text-align: center; width: 25%">$0<BR>
(less than knock-in value)</TD>
    <TD STYLE="border-top: rgb(89,174,67) 1pt solid; border-right: rgb(89,174,67) 1pt solid; border-bottom: rgb(89,174,67) 1pt solid; text-align: center; width: 25%">Yes</TD>
    <TD STYLE="border-top: rgb(89,174,67) 1pt solid; border-right: rgb(89,174,67) 1pt solid; border-bottom: rgb(89,174,67) 1pt solid; text-align: center; width: 25%"><B>$0.00</B></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #59AE43"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #59AE43"><B>Example 4:</B></FONT> The final underlying
value is greater than the initial underlying value. Accordingly, at maturity, you would receive the stated principal amount of the securities
<I>plus</I> the contingent coupon payment due at maturity, but you would not participate in the appreciation of the underlying.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #59AE43"><B>Example 5:</B></FONT> The final underlying
value is less than the initial underlying value and a knock-in event <B>has not</B> occurred. Accordingly, at maturity, you would receive
a payment per security equal to $1,000.00. In addition, because the final underlying value is greater than the coupon barrier value, you
would also receive the contingent coupon payment per security on the maturity 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"><FONT STYLE="color: #59AE43"><B>Example 6:</B></FONT> The final underlying
value is less than the initial underlying value and a knock-in event <B>has</B> occurred. Accordingly, at maturity, you would receive
for each security you then hold a fixed number of underlying shares of the underlying equal to the equity ratio (or, at our option, the
cash value thereof).</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 this scenario, the value of a number of underlying shares of the
underlying equal to the equity ratio, based on the final underlying value, would be $900.00. Therefore, the value of the underlying shares
of the underlying (or, in our discretion, cash) you receive at maturity would be significantly less than the stated principal amount of
your securities. You would incur a loss based on the performance of the underlying from the initial underlying value to the final underlying
value. In addition, because the final underlying value is greater than the coupon barrier value, you would also receive the contingent
coupon payment per security on the maturity 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 final underlying value is less than the initial underlying value
and a knock-in event <B>has</B> occurred, we will have the option to deliver to you on the maturity date either a number of underlying
shares of the underlying equal to the equity ratio or the cash value of those underlying shares based on their final underlying value.
The value of those underlying shares on the maturity date may be different than their final underlying value.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #59AE43"><B>Example 7:</B></FONT> The final underlying
value is $0.00. In this scenario, the underlying shares of the underlying are worthless and you would lose your entire investment in the
securities at maturity. In addition, because the final underlying value is below the coupon barrier value, you would not receive any contingent
coupon payment at 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"><B>It is possible that the closing value of the underlying will be less
than the coupon barrier value on each valuation date and less than the initial underlying value on the final valuation date and a knock-in
event occurs on any single scheduled trading day during the observation period, such that you will not receive any contingent coupon payments
over the term of the securities and will receive less than the stated principal amount of your securities, and possibly nothing, at maturity.</B></P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Summary Risk Factors</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>You may lose some or all of your investment.</B> Unlike conventional debt securities, the securities do not provide for the repayment
of the stated principal amount at maturity in all circumstances. If the securities are not automatically redeemed prior to maturity, the
final underlying value is less than the initial underlying value and a knock-in event has occurred, meaning the closing value of the underlying
was less than the knock-in value on at least one scheduled trading day during the period from but excluding the pricing date to and including
the final valuation date, you will be fully exposed to any depreciation of the underlying. If the final underlying value is less than
the initial underlying value and a knock-in event has occurred, you will not receive the stated principal amount of your securities at
maturity and, instead, will receive underlying shares of the underlying (or, in our sole discretion, cash based on the value thereof)
that will be worth significantly less than the stated principal amount and possibly nothing. There is no minimum payment at maturity on
the securities, and you may lose up to all of your investment.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">We may elect, in our sole discretion, to pay you cash at maturity
in lieu of delivering any underlying shares. If we elect to pay you cash at maturity in lieu of delivering any underlying shares, the
amount of that cash may be less than the market value of the underlying shares on the maturity date because the market value will likely
fluctuate between the final valuation date and the maturity date. Conversely, if we do not exercise our cash election right and instead
deliver underlying shares to you on the maturity date, the market value of such underlying shares may be less than the cash amount you
would have received if we had exercised our cash election right. We will have no obligation to take your interests into account when deciding
whether to exercise our cash election right.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>Higher contingent coupon rates are associated with greater risk.</B> The securities offer contingent coupon payments at an annualized
rate that, if all are paid, would produce a yield that is generally higher than the yield on our conventional debt securities of the same
maturity. This higher potential yield is associated with greater levels of expected risk as of the pricing date for the securities, including
the risk that you may not receive a contingent coupon payment on one or more, or any, contingent coupon payment dates and the risk that
the value of what you receive at maturity may be significantly less than the stated principal amount of your securities and may be zero.
The volatility of the closing value of the underlying is an important factor affecting these risks. Greater expected volatility of the
closing value of the underlying as of the pricing date may result in a higher contingent coupon rate, but would also represent a greater
expected likelihood as of the pricing date that the closing value of the underlying on one or more valuation dates will be less than the
coupon barrier value, such that you will not receive one or more, or any, contingent coupon payments during the term of the securities
and that the closing value of the underlying will be less than the knock-in value on any scheduled trading day during the observation
period and less than the initial underlying value on the final valuation date, such that you will not be repaid the stated principal amount
of your securities at maturity.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>You may not be adequately compensated for assuming the downside risk of the underlying.</B> The potential contingent coupon payments
on the securities are the compensation you receive for assuming the downside risk of the underlying, as well as all the other risks of
the securities. That compensation is effectively &ldquo;at risk&rdquo; and may, therefore, be less than you currently anticipate. First,
the actual yield you realize on the securities could be lower than you anticipate because the coupon is &ldquo;contingent&rdquo; and you
may not receive a contingent coupon payment on one or more, or any, of the contingent coupon payment dates. Second, the contingent coupon
payments are the compensation you receive not only for the downside risk of the underlying, but also for all of the other risks of the
securities, including the risk that the securities may be automatically redeemed prior to maturity, interest rate risk and our and Citigroup
Inc.&rsquo;s credit risk. If those other risks increase or are otherwise greater than you currently anticipate, the contingent coupon
payments may turn out to be inadequate to compensate you for all the risks of the securities, including the downside risk of the underlying.</TD></TR></TABLE>

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The securities offer downside exposure to the underlying, but no upside exposure to the underlying.</B> You will not participate
in any appreciation in the value of the underlying over the term of the securities. Consequently, your return on the securities will be
limited to the contingent coupon payments you receive, if any, and may be significantly less than the return on the underlying over the
term of the securities. In addition, as an investor in the securities, you will not receive any dividends or other distributions or have
any other rights with respect to the underlying.</TD></TR></TABLE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The estimated value of the securities is not an indication of the price, if any, at which CGMI or any other person may be willing
to buy the securities from you in the secondary market.</B> Any such secondary market price will fluctuate over the term of the securities
based on the market and other factors described in the next risk factor. Moreover, unlike the estimated value included in this pricing</TD></TR></TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">supplement, any value of the securities
determined for purposes of a secondary market transaction will be based on our secondary market rate, which will likely result in a lower
value for the securities than if our internal funding rate were used. In addition, any secondary market price for the securities will
be reduced by a bid-ask spread, which may vary depending on the aggregate stated principal amount of the securities to be purchased in
the secondary market transaction, and the expected cost of unwinding related hedging transactions. As a result, it is likely that any
secondary market price for the securities will be less than the issue price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; 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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The value of the securities prior to maturity will fluctuate based on many unpredictable factors.</B> The value of your securities
prior to maturity will fluctuate based on the closing value of the underlying, the volatility of the closing value of the underlying,
the dividend yield on the underlying, interest rates generally, the time remaining to maturity and our and Citigroup Inc.&rsquo;s creditworthiness,
as reflected in our secondary market rate, among other factors described under &ldquo;Risk Factors Relating to the Securities&mdash;Risk
Factors Relating to All Securities&mdash;The value of your securities prior to maturity will fluctuate based on many unpredictable factors&rdquo;
in the accompanying product supplement. Changes in the closing value of the underlying may not result in a comparable change in the value
of your securities. You should understand that the value of your securities at any time prior to maturity may be significantly less than
the issue price.</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The VanEck<SUP>&reg;</SUP> Semiconductor ETF is subject to risks associated with the semiconductor production and equipment sector.</B>
All or substantially all of the securities held by the VanEck<SUP>&reg;</SUP> Semiconductor ETF are issued by companies whose primary
line of business is directly associated with the semiconductor production and equipment sector. As a result, the value of the securities
may be subject to greater volatility and be more adversely affected by a single economic, political or regulatory occurrence affecting
this sector than a different investment linked to securities of a more broadly diversified group of issuers. As product cycles shorten
and manufacturing capacity increases, these companies may become increasingly subject to aggressive pricing, which hampers profitability.
Semiconductor companies are vulnerable to wide fluctuations in securities prices due to rapid product obsolescence. Many semiconductor
companies may not successfully introduce new products, develop and maintain a loyal customer base or achieve general market acceptance
for their products, and failure to do so could have a material adverse effect on their business, results of operations and financial condition.
Reduced demand for end-user products, underutilization of manufacturing capacity, and other factors could adversely impact the operating
results of companies in the semiconductor production and equipment sector. Semiconductor companies typically face high capital costs and
such companies may need additional financing, which may be difficult to obtain. They also may be subject to risks relating to research
and development costs and the availability and price of components. Moreover, they may be heavily dependent on intellectual property rights
and may be adversely affected by loss or impairment of those rights. Some of the companies involved in the semiconductor production and
equipment sector are also engaged in other lines of business unrelated to the semiconductor business, and they may experience problems
with these lines of business, which could adversely affect their operating results. The international operations of many semiconductor
companies expose them to risks associated with instability and changes in economic and political conditions, foreign currency fluctuations,
changes in foreign regulations, tariffs and trade disputes, competition from subsidized foreign competitors with lower production costs
and other risks inherent to international business. The semiconductor production and equipment sector is highly cyclical, which may cause
the operating results of many semiconductor companies to vary significantly. Companies in the semiconductor production and equipment sector
also may be subject to competition from new market entrants. The stock prices of companies in the semiconductor production and equipment
sector have been and will likely continue to be extremely volatile compared to the overall market. These factors could affect the semiconductor
production and equipment sector and could affect the price of the equity securities held by the VanEck<SUP>&reg;</SUP> Semiconductor ETF
and the price of the VanEck<SUP>&reg;</SUP> Semiconductor ETF during the term of the securities, which may adversely affect the value
of your securities.</TD></TR></TABLE>

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">making these judgments, the calculation
agent&rsquo;s interests as an affiliate of ours could be adverse to your interests as a holder of the securities. See &ldquo;Risk Factors
Relating to the Securities&mdash;Risk Factors Relating to All Securities&mdash;The calculation agent, which is an affiliate of ours, will
make important determinations with respect to the securities&rdquo; in the accompanying product supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; 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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>Even if the underlying pays a dividend that it identifies as special or extraordinary, no adjustment will be required under the
securities for that dividend unless it meets the criteria specified in the accompanying product supplement.&nbsp;</B>In general, an adjustment
will not be made under the terms of the securities for any cash dividend paid by the underlying unless the amount of the dividend per
share, together with any other dividends paid in the same quarter, exceeds the dividend paid per share in the most recent quarter by an
amount equal to at least 10% of the closing value of the underlying on the date of declaration of the dividend. Any dividend will reduce
the closing value of the underlying by the amount of the dividend per share. If the underlying pays any dividend for which an adjustment
is not made under the terms of the securities, holders of the securities will be adversely affected. See &ldquo;Description of the Securities&mdash;Certain
Additional Terms for Securities Linked to an Underlying Company or an Underlying ETF&mdash;Dilution and Reorganization Adjustments&mdash;Certain
Extraordinary Cash Dividends&rdquo; in the accompanying product supplement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The securities will not be adjusted for all events that may have a dilutive effect on or otherwise adversely affect the closing
value of the underlying</B>.&nbsp;For example, we will not make any adjustment for ordinary dividends or extraordinary dividends that
do not meet the criteria described above, partial tender offers or additional underlying share issuances. Moreover, the adjustments we
do make may not fully offset the dilutive or adverse effect of the particular event. Investors in the securities may be adversely affected
by such an event in a circumstance in which a direct holder of the underlying shares of the underlying would not.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The securities may become linked to an underlying other than the original underlying upon the occurrence of a reorganization event
or upon the delisting of the underlying shares.</B> For example, if the underlying enters into a merger agreement that provides for holders
of the underlying shares to receive shares of another entity and such shares are marketable securities, the closing value of the underlying
following consummation of the merger will be based on the value of such other shares. Additionally, if the underlying shares are delisted,
the calculation agent may select a successor underlying. See &ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities
Linked to an Underlying Company or an Underlying ETF&rdquo; in the accompanying product supplement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The value and performance of the underlying shares may not completely track the performance of the underlying index that the underlying
seeks to track or the net asset value per share of the underlying.&nbsp;</B>The underlying does not fully replicate the underlying index
that it seeks to track and may hold securities different from those included in its underlying index. In addition, the performance of
the underlying will reflect additional transaction costs and fees that are not included in the calculation of its underlying index. All
of these factors may lead to a lack of correlation between the performance of the underlying and its underlying index. In addition, corporate
actions with respect to the equity securities held by the underlying (such as mergers and spin-offs) may impact the variance between the
performance of the underlying and its underlying index. Finally, because the underlying shares are traded on an exchange and are subject
to market supply and investor demand, the closing value of the underlying may differ from the net asset value per share of the underlying.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">During periods of market volatility, securities
included in the underlying&rsquo;s underlying index may be unavailable in the secondary market, market participants may be unable to calculate
accurately the net asset value per share of the underlying and the liquidity of the underlying may be adversely affected. This kind of
market volatility may also disrupt the ability of market participants to create and redeem shares of the underlying. Further, market volatility
may adversely affect, sometimes materially, the price at which market participants are willing to buy and sell the underlying shares.
As a result, under these circumstances, the closing value of the underlying may vary substantially from the net asset value per share
of the underlying. For all of the foregoing reasons, the performance of the underlying may not correlate with the performance of its underlying
index and/or its net asset value per share, which could materially and adversely affect the value of the securities and/or reduce your
return on the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; 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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>Changes that affect the underlying may affect the value of your securities.</B>&nbsp;The sponsor of the underlying may at any time
make methodological changes or other changes in the manner in which it operates that could affect the value of the underlying. We are
not affiliated with the underlying sponsor and, accordingly, we have no control over any changes such sponsor may make. Such changes could
adversely affect the performance of the underlying and the value of and your return on the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><B>The U.S. federal tax consequences of an investment in the securities are unclear.</B> There is no direct legal authority regarding
the proper U.S. federal tax treatment of the securities, and we do not plan to request a ruling from the Internal Revenue Service (the
&ldquo;IRS&rdquo;).&nbsp;&nbsp;Consequently, significant aspects of the tax treatment of the securities are uncertain, and the IRS or
a court might not agree with the treatment of the securities as described in &ldquo;United States Federal Tax Considerations&rdquo; below.&nbsp;&nbsp;If
the IRS were successful in asserting an alternative treatment of the securities, the tax consequences of the ownership and disposition
of the securities might be materially and adversely affected.&nbsp;&nbsp;Moreover, future legislation, Treasury regulations or IRS guidance
could adversely affect the U.S. federal tax treatment of the securities, possibly retroactively.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">Non-U.S. investors should note that persons
having withholding responsibility in respect of the securities may withhold on any coupon payment paid to a non-U.S. investor, generally
at a rate of 30%.&nbsp;&nbsp;To the extent that we have withholding responsibility in respect of the securities, we intend to so withhold.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">You should read carefully the discussion
under &ldquo;United States Federal Tax Considerations&rdquo; and &ldquo;Risk Factors Relating to the Securities&rdquo; in the accompanying
product supplement and &ldquo;United States Federal Tax Considerations&rdquo; in this pricing supplement.&nbsp;&nbsp;You should also consult
your tax adviser regarding the U.S. federal tax consequences of an investment in the securities, as well as tax consequences arising under
the laws of any state, local or non-U.S. taxing jurisdiction.</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Information About the VanEck<SUP>&reg;</SUP> Semiconductor
ETF</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The VanEck<SUP>&reg;</SUP> Semiconductor ETF is an exchange-traded fund
that seeks to replicate as closely as possible, before fees and expenses, the price and yield performance of the MVIS<SUP>&reg;</SUP>
US Listed Semiconductor 25 Index. The MVIS<SUP>&reg;</SUP> US Listed Semiconductor 25 Index is designed to track the performance of the
largest and most liquid U.S.-listed companies that derive at least 50% (25% for current components) of their revenues from semiconductors.
This includes companies engaged primarily in the production of semiconductors and semiconductor equipment.</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">Information provided to or filed with the SEC by the VanEck<SUP>&reg;</SUP>
ETF Trust pursuant to the Securities Act of 1933, as amended, and the Investment Company Act of 1940, as amended, can be located by reference
to SEC file numbers 333-123257 and 811-10325, respectively, through the SEC&rsquo;s website at http://www.sec.gov. In addition, information
may be obtained from other sources including, but not limited to, press releases, newspaper articles and other publicly disseminated documents.
The underlying shares of the VanEck<SUP>&reg;</SUP> Semiconductor ETF trade on the Nasdaq Global Market under the ticker symbol &ldquo;SMH.&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">Please refer to the section &ldquo;Fund Descriptions&mdash;The VanEck
ETFs&rdquo; in the accompanying underlying supplement for additional information.</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 receive underlying shares of the VanEck<SUP>&reg;</SUP> Semiconductor
ETF at maturity. Therefore, in making your decision to invest in the securities, you should review the prospectus related to the VanEck<SUP>&reg;</SUP>
Semiconductor ETF on file at the SEC, which can be accessed via the hyperlink below.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus dated February 1, 2025:</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1137360/000113736025000019/cik0001137360-20240930.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/ix?doc=/Archives/edgar/data/1137360/000113736025000019/cik0001137360-20240930.htm</A></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 contents of that prospectus and any documents incorporated by reference
therein are not incorporated by reference herein or in any way made a part hereof.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We have derived all information regarding the VanEck<SUP>&reg;</SUP>
Semiconductor ETF from publicly available information and have not independently verified any information regarding the VanEck<SUP>&reg;</SUP>
Semiconductor ETF. This pricing supplement relates only to the securities and not to the VanEck<SUP>&reg;</SUP> Semiconductor ETF. We
make no representation as to the performance of the VanEck<SUP>&reg;</SUP> Semiconductor ETF over the term of the securities.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The securities represent obligations of Citigroup Global Markets Holdings
Inc. (guaranteed by Citigroup Inc.) only. The sponsor of the VanEck<SUP>&reg;</SUP> Semiconductor ETF is not involved in any way in this
offering and has no obligation relating to the securities or to holders of the securities.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Historical Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The closing value of the VanEck<SUP>&reg;</SUP> Semiconductor ETF on
November 17, 2025 was $340.30.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The graph below shows the closing value of the VanEck<SUP>&reg;</SUP>
Semiconductor ETF for each day such value was available from December 11, 2019 to November 17, 2025. We obtained the closing values from
Bloomberg L.P., without independent verification. You should not take the historical closing values as an indication of future performance.</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: #EAF3E0">
    <TD STYLE="padding-top: 4pt; width: 100%; border: #59AE43 1pt solid; text-align: center; padding-bottom: 4pt"><FONT STYLE="color: #59AE43"><B>VanEck<SUP>&reg;</SUP> Semiconductor ETF &ndash; Historical Closing Values</B></FONT><B><FONT STYLE="color: white"><BR>
</FONT><FONT STYLE="color: #59AE43">December 11, 2019 to November 17, 2025</FONT></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #59AE43 1pt solid; border-bottom: #59AE43 1pt solid; border-left: #59AE43 1pt solid; text-align: center"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 385px; width: 705px"></TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">United States Federal Tax Considerations</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You should read carefully the discussion under &ldquo;United States
Federal Tax Considerations&rdquo; and &ldquo;Risk Factors Relating to the Securities&rdquo; in the accompanying product supplement and
&ldquo;Summary Risk Factors&rdquo; in this pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Due to the lack of any controlling legal authority, there is substantial
uncertainty regarding the U.S. federal tax consequences of an investment in the securities.&nbsp;&nbsp;In connection with any information
reporting requirements we may have in respect of the securities under applicable law, we intend (in the absence of an administrative determination
or judicial ruling to the contrary) to treat the securities for U.S. federal income tax purposes as prepaid forward contracts with associated
coupon payments that will be treated as gross income to you at the time received or accrued in accordance with your regular method of
tax accounting.&nbsp;&nbsp;In the opinion of our counsel, Davis Polk &amp; Wardwell LLP, this treatment of the securities is reasonable
under current law; however, our counsel has advised us that it is unable to conclude affirmatively that this treatment is more likely
than not to be upheld, and that alternative treatments are possible.&nbsp;&nbsp;Moreover, our counsel&rsquo;s opinion is based on market
conditions as of the date of this preliminary pricing supplement and is subject to confirmation on the pricing date.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Any coupon payments on the securities should be taxable as ordinary income to you at the time received or accrued in accordance with
your regular method of accounting for U.S. federal income tax purposes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Upon a sale or exchange of a security (including retirement at maturity for cash), you should recognize capital gain or loss equal
to the difference between the amount realized and your tax basis in the security.&nbsp;&nbsp;For this purpose, the amount realized does
not include any coupon paid on retirement and may not include sale proceeds attributable to an accrued coupon, which may be treated as
a coupon payment.&nbsp;&nbsp;Such gain or loss should be long-term capital gain or loss if you held the security for more than one year.&nbsp;&nbsp;</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>If, upon retirement of the securities, you receive underlying shares, you should not recognize gain or loss with respect to the underlying
shares received, other than any fractional underlying share for which you receive cash. Your basis in any underlying shares received,
including any fractional underlying share deemed received, should be equal to your tax basis in the securities.&nbsp;&nbsp;Your holding
period for any underlying shares received should start on the day after receipt. With respect to any cash received in lieu of a fractional
share, you should recognize capital loss in an amount equal to the difference between the amount of cash received in lieu of the fractional
share and the portion of your tax basis in the securities that is allocable to the fractional share.&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"><FONT STYLE="background-color: white">We do not plan to request a ruling
from the IRS regarding the treatment of the securities. An alternative characterization of the securities could materially and adversely
affect the tax consequences of ownership and disposition of the securities, including the timing and character of income recognized. In
addition, the U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment
of &ldquo;prepaid forward contracts&rdquo; and similar financial instruments and have indicated that such transactions may be the subject
of future regulations or other guidance. Furthermore, members of Congress have proposed legislative changes to the tax treatment of derivative
contracts. Any legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and
adversely affect the tax consequences of an investment in the securities, possibly with retroactive effect. You should consult your tax
adviser regarding possible alternative tax treatments of the securities and potential changes in applicable law. </FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">This discussion does not address
the U.S. federal tax consequences of the ownership or disposition of the underlying shares that you may receive at maturity. You should
consult your tax adviser regarding the particular U.S. federal tax consequences of the ownership and disposition of the underlying shares.</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>Withholding Tax on Non-U.S. Holders. </B>Because significant aspects
of the tax treatment of the securities are uncertain, persons having withholding responsibility in respect of the securities may withhold
on any coupon payment paid to Non-U.S. Holders (as defined in the accompanying product supplement), generally at a rate of 30%. To the
extent that we have (or an affiliate of ours has) withholding responsibility in respect of the securities, we intend to so withhold.&nbsp;&nbsp;In
order to claim an exemption from, or a reduction in, the 30% withholding, you may need to comply with certification requirements to establish
that you are not a U.S. person and are eligible for such an exemption or reduction under an applicable tax treaty. You should consult
your tax adviser regarding the tax treatment of the securities, including the possibility of obtaining a refund of any amounts withheld
and the certification requirement described above.</P>

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="border-bottom: #59AE40 1pt solid; width: 100%; font-size: 10pt; color: #888888; text-align: right"><FONT STYLE="font-size: 18pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR><TR STYLE="vertical-align: top"><TD STYLE="padding: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You should read the section entitled &ldquo;United States Federal
Tax Considerations&rdquo; in the accompanying product supplement.&nbsp;&nbsp;The preceding discussion, when read in combination with that
section, constitutes the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of owning
and disposing of the securities.</B></P>

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

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

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

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Supplemental Plan of Distribution</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI, an affiliate of Citigroup Global Markets Holdings Inc. and the
underwriter of the sale of the securities, is acting as principal and will receive an underwriting fee of up to $21.50 for each security
sold in this offering. The actual underwriting fee will be equal to the selling concession provided to selected dealers, as described
in this paragraph. From this underwriting fee, CGMI will pay selected dealers not affiliated with CGMI a variable selling concession of
up to $21.50 for each security they sell. For the avoidance of doubt, any fees or selling concessions described in this pricing supplement
will not be rebated if the securities are automatically redeemed prior to maturity.</P>

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

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

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

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Valuation of the Securities</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">Contact</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #59AE43">&nbsp;</P>

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

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

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

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


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