<SEC-DOCUMENT>0001918704-25-016287.txt : 20250930
<SEC-HEADER>0001918704-25-016287.hdr.sgml : 20250930
<ACCEPTANCE-DATETIME>20250930140304
ACCESSION NUMBER:		0001918704-25-016287
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250930
DATE AS OF CHANGE:		20250930

SUBJECT COMPANY:	

	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:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-270327
		FILM NUMBER:		251359545

	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

FILED BY:		

	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:		FWP

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>formfwp.htm
<DESCRIPTION>FORM FWP
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                <p style="margin: 0px 0px 0px 1.33px; line-height: 20.2px;"><font style="font-size: 18.67px; color: #FFFFFF; font-family: Calibri;">Citigroup Global Markets Holdings Inc.</font></p>
                <p style="margin: 0px 0px 0px 1.33px; line-height: 16.13px;"><font style="font-size: 13.34px; color: #FFFFFF; font-family: Calibri;">Guaranteed by Citigroup Inc.</font></p>
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                <p style="margin: 4.47px 0px 0px 0px; font-size: 16px; line-height: 114.24%;"><font style="font-size: 16px; font-family: Calibri;">Hypothetical Interim Payment per Security<sup style="line-height: 1; font-size: 75%; vertical-align: top;">**</sup></font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;" class="empty">&#160;</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #59AE43; font-family: Calibri;">Valuation Date on which the Closing Value of the Worst Performer Equals or Exceeds Initial Underlying Value</font></p>
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                    <td style="box-sizing: border-box; width: 200px; padding: 0px 0px 0px 0px; border-bottom: 0.67px solid #000000; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #59AE43; font-family: Calibri;">Premium</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #59AE43; font-family: Calibri;">Hypothetical Redemption</font></p>
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                    <td style="box-sizing: border-box; width: 200px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">October 28, 2026</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">7.75%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,077.50</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">October 28, 2027</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">15.50%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,155.00</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">October 30, 2028</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">23.25%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,232.50</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">October 29, 2029</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">31.00%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,310.00</font></p>
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                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 0%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">If the closing value of the worst performer is not greater than or equal to the initial underlying value on any interim valuation date, then the securities will not be automatically redeemed prior to maturity and you will not receive a premium following that valuation date.</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 8px; font-family: Calibri;"><sup style="line-height: 1; font-size: 75%; vertical-align: top;">**</sup> </font><font style="font-size: 10px; font-family: Calibri;">The hypotheticals assume that the premium applicable to each valuation date will be set at the lowest value indicated in this offering summary.</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 16px; line-height: 114.24%;"><font style="font-size: 16px; font-family: Calibri;">Hypothetical Payment at Maturity per Security<sup style="line-height: 1; font-size: 75%; vertical-align: top;">***</sup></font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">Assumes the securities have not been automatically redeemed prior to maturity.</font></p>
                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 5.83%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #59AE43; font-family: Calibri;">Hypothetical Worst Underlying Return on Final Valuation Date</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; border-bottom: 0.67px solid #000000; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #59AE43; font-family: Calibri;">Hypothetical Payment at Maturity</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">100.00%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,387.50</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">50.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,387.50</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">25.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,387.50</font></p>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; border-bottom: 0.67px solid #000000; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">0.00%</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; border-bottom: 0.67px solid #000000; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,387.50</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-0.01%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,000.00</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; border-bottom: 0.67px solid #000000; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-35.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; border-bottom: 0.67px solid #000000; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,000.00</font></p>
                    </td>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-35.01%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$649.90</font></p>
                    </td>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-50.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$500.00</font></p>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-75.00%</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$250.00</font></p>
                    </td>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-100.00%</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$0.00</font></p>
                    </td>
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                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 5.83%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 8px; line-height: 114.24%;"><font style="font-size: 8px; font-family: Calibri;"><sup style="line-height: 1; font-size: 75%; vertical-align: top;">***</sup></font><font style="font-size: 10px; font-family: Calibri;"> </font><font style="font-size: 8px; font-family: Calibri;">The hypothetical assumes that the premium on the final valuation date will be set at the lowest value indicated in this offering summary.</font></p>
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            <div style="width: 517.33px; height: 604.4px; position: absolute; overflow-x: clip; margin-top: 3.8px; margin-left: 11.13px; z-index: 10;">
              <div style="position: absolute; top: 0px; left: 0px; height: 604.4px; width: 517.33px; box-sizing: border-box; padding: 0px 0px 0px 0px;">
                <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 22.67px; color: #59AE43; font-family: Calibri;">5 Year Autocallable Securities Linked to the Worst of RTY and SPX</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 13.34px; line-height: 114.24%;"><font style="font-size: 13.34px; font-family: Calibri;">Preliminary Terms</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10.67px; line-height: 114.24%;"><font style="font-size: 10.67px; font-family: Calibri;">This summary of terms is not complete and should be read with the preliminary pricing supplement below</font></p>
                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 0%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Issuer:</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">Citigroup Global Markets Holdings Inc.</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Guarantor:</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">Citigroup Inc.</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Underlyings:</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">The Russell 2000<sup style="line-height: 1; font-size: 75%; vertical-align: top;">&#174;</sup> Index (ticker: &#8220;RTY&#8221;) and the S&amp;P 500<sup style="line-height: 1; font-size: 75%; vertical-align: top;">&#174;</sup> Index (ticker: &#8220;SPX&#8221;)</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Pricing date:</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">October 28, 2025</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Valuation dates:</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">Annually, beginning approximately one year after issuance</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Final valuation date:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">October 28, 2030</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Maturity date:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">October 31, 2030</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Final barrier value:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">For each underlying, 65.00% of its initial underlying value</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Automatic early redemption:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">If on any valuation date prior to the final valuation date the closing value of the worst performer is greater than or equal to its initial underlying value, the securities will be automatically called for an amount equal to the principal plus the applicable premium</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Premium:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">At least 7.75% per annum*</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">CUSIP / ISIN:</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">17331BAK5 / US17331BAK52</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Initial underlying value:</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">For each underlying, its closing value on the pricing date</font></p>
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                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Final underlying value:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">For each underlying, its closing value on the final valuation date</font></p>
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                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Underlying return:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">For each underlying on any valuation date, (i) its current closing value <i>minus</i> initial underlying value, <i>divided by</i> (ii) its initial underlying value</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Worst performer:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">On any valuation date, the underlying with the lowest underlying return</font></p>
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                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Payment at maturity (if not autocalled):</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">If the final underlying value of the worst performer on the final valuation date is <b>greater than or equal to</b> its initial underlying value: </font></p>
                      <p style="margin: 2.67px 0px 2.67px 35.13px;"><font style="font-size: 9.34px; font-family: Calibri;">$1,000 + the premium applicable to the final valuation date</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">If the final underlying value of the worst performer on the final valuation date is <b>less than</b> its initial underlying value but <b>greater than or equal to</b> its final barrier value: </font></p>
                      <p style="margin: 2.67px 0px 2.67px 35.13px;"><font style="font-size: 9.34px; font-family: Calibri;">$1,000</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">If the final underlying value of the worst performer is <b>less than</b> its final barrier value: </font></p>
                      <p style="margin: 2.67px 0px 2.67px 35.13px;"><font style="font-size: 9.34px; font-family: Calibri;">$1,000 + ($1,000 &#215; the underlying return of the worst performer on the final valuation date)</font></p>
                      <p style="margin: 4.47px 0px 0px 0px; font-size: 9.34px; line-height: 114.24%;"><font style="font-size: 9.34px; font-family: Calibri;">If the securities are not automatically redeemed prior to maturity and the final underlying value of the worst performer on the final valuation date is less than its final barrier value, you will receive significantly less than the stated principal amount of your securities, and possibly nothing, at maturity.</font></p>
                      <p style="margin: 4.47px 0px 0px 0px; font-size: 9.34px; line-height: 114.24%;"><font style="font-size: 9.34px; font-family: Calibri;">All payments on the securities are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Stated principal amount:</font></p>
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                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">$1,000 per security</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;">Preliminary pricing supplement:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><a href="https://www.sec.gov/Archives/edgar/data/200245/000191870425016283/form424b2.htm"><font style="font-size: 9.34px; color: #59AE43; font-family: Calibri;"><u>Preliminary Pricing Supplement dated September 30, 2025</u></font></a></p>
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                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 0%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 8.66px; line-height: 114.24%;"><font style="font-size: 8.66px; font-family: Calibri;"><sup style="line-height: 1; font-size: 75%; vertical-align: top;">*</sup> </font><font style="font-size: 8px; font-family: Calibri;">The actual premium will be determined on the pricing date.</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 8px; line-height: 114.24%;"><font style="font-size: 8px; font-family: Calibri;" class="empty">&#160;</font></p>
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                <p style="margin: 0px 0px 0px 1.33px; line-height: 20.2px;"><font style="font-size: 18.67px; color: #FFFFFF; font-family: Calibri;">Citigroup Global Markets Holdings Inc.</font></p>
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                      <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">Citigroup Global Markets Holdings Inc. and Citigroup Inc. have filed registration statements (including the accompanying preliminary pricing supplement, product supplement, underlying supplement, prospectus supplement and prospectus) with the Securities and Exchange Commission (&#8220;SEC&#8221;) for the offering to which this communication relates. Before you invest, you should read the accompanying preliminary pricing supplement, product supplement, underlying supplement, prospectus supplement and prospectus in those registration statements (File Nos. 333-270327 and 333-270327-01) and the other documents Citigroup Global Markets Holdings Inc. and Citigroup Inc. have filed with the SEC for more complete information about Citigroup Global Markets Holdings Inc., Citigroup Inc. and this offering. You may obtain these documents without cost by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, you can request these documents by calling toll-free 1-800-831-9146.</font></p>
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                      <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">Filed pursuant to Rule 433</font></p>
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                      <p style="margin: 4.47px 14.13px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;"><b>This offering summary does not contain all of the material information an investor should consider before investing in the securities. This offering summary is not for distribution in isolation and must be read together with the accompanying preliminary pricing supplement and the other documents referred to therein, which can be accessed via the link on the first page.</b></font></p>
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                      <p style="margin: 0px 0px 0px 0px; line-height: 14.93px;"><font style="color: #585858; font-family: Calibri;">Selected Risk Considerations</font></p>
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                    <td style="box-sizing: border-box; width: 463.13px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #7E7E7E; border-bottom: 0.67px solid #7E7E7E; height: 549.87px;">
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">You may lose a significant portion or all of your investment. 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, your payment at maturity will depend on the final underlying value of the worst performer on the final valuation date. If the final underlying value of the worst performer on the final valuation date is less than its final barrier value, you will lose 1% of the stated principal amount of your securities for every 1% by which the worst performer on the final valuation date has declined from its initial underlying value. There is no minimum payment at maturity on the securities, and you may lose up to all of your investment.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">Your potential return on the securities is limited.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities do not pay interest.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities are subject to heightened risk because they have multiple underlyings.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The return on the securities depends solely on the performance of the worst performer. As a result, the securities are subject to the risks of each of the underlyings and will be negatively affected if any one underlying performs poorly.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">You will be subject to risks relating to the relationship between the underlyings. The less correlated the underlyings, the more likely it is that any one of the underlyings will perform poorly over the term of the securities. All that is necessary for the securities to perform poorly is for one of the underlyings to perform poorly.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">You will not receive dividends or have any other rights with respect to the underlyings.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities may be automatically redeemed prior to maturity.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities offer downside exposure, but no upside exposure, to the underlyings.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities are particularly sensitive to the volatility of the closing values of the underlyings on or near the valuation dates.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. If Citigroup Global Markets Holdings Inc. defaults on its obligations under the securities and Citigroup Inc. defaults on its guarantee obligations, you may not receive anything owed to you under the securities.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities will not be listed on any securities exchange and you may not be able to sell them prior to maturity.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The estimated value of the securities on the pricing date will be less than the issue price. For more information about the estimated value of the securities, see the accompanying preliminary pricing supplement.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The value of the securities prior to maturity will fluctuate based on many unpredictable factors.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The Russell 2000<sup style="line-height: 1; font-size: 75%; vertical-align: top;">&#174;</sup> Index is subject to risks associated with small capitalization stocks.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The issuer and its affiliates may have conflicts of interest with you.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The U.S. federal tax consequences of an investment in the securities are unclear.</font></p>
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                      <p style="margin: 4.47px 14.13px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;"><b>The above summary of selected risks does not describe all of the risks associated with an investment in the securities. You should read the accompanying preliminary pricing supplement and product supplement for a more complete description of risks relating to the securities.</b></font></p>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
