<SEC-DOCUMENT>0000950103-25-012594.txt : 20251001
<SEC-HEADER>0000950103-25-012594.hdr.sgml : 20251001
<ACCEPTANCE-DATETIME>20250930195606
ACCESSION NUMBER:		0000950103-25-012594
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251001
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:		251362083

	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>dp235310_fwp-us2514709.htm
<DESCRIPTION>OFFERING SUMMARY
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%">
    <P STYLE="color: #C00000; font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Citigroup Global Markets Holdings Inc.</B></P>
    <P STYLE="color: #C00000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Fully and Unconditionally Guaranteed by
Citigroup Inc.</I></B></P></TD>
    <TD STYLE="font: 36pt Georgia, Times, Serif; color: #688FCF; text-align: center; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 55px; width: 81px"></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 40%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"><B>Term Sheet
    No. 2025-USNCH28634</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"><B>dated September
    30, 2025 relating to<BR>
    Preliminary Pricing Supplement No. 2025-USNCH28634</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"><B>dated September
    30, 2025</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #B2B2B2"><B>Registration Statement Nos. 333-270327
    and 333-270327-01</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #B2B2B2"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #B2B2B2"><B>Filed Pursuant to Rule 433</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #B2B2B2"></P></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="background-color: rgb(143,143,143); width: 100%; font-size: 10pt; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
  <TD STYLE="padding: 4pt; font: 10pt Georgia, Times, Serif; width: 100%; color: rgb(104,143,207)"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: White">Market Linked Notes&mdash;Upside Participation to a Cap and Principal Return at Maturity</FONT><BR>
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: White">Notes Linked to the Nasdaq-100 Index<SUP>&reg;</SUP> due November 2, 2029</FONT><BR>
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: White">Term Sheet to Preliminary Pricing Supplement No. 2025-USNCH28634 dated September 30, 2025</FONT></TD>
</TR>
</TABLE>
<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 4.5pt; color: #8F8F8F"></P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 4.5pt; color: #8F8F8F"></P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 4.5pt; color: #8F8F8F"></P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 4.5pt; color: #8F8F8F"></P>

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

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; color: #8F8F8F">Summary of Terms</P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 4.5pt; color: #8F8F8F"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; width: 33%; border: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Issuer and Guarantor:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; width: 67%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">Citigroup Global Markets Holdings Inc. (issuer) and Citigroup Inc. (guarantor)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Underlying:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">Nasdaq-100 Index<SUP>&reg;</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Pricing Date*:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">October 30, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Issue Date*:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">November 4, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Stated Principal Amount:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">$1,000 per note</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Maturity Payment Amount (per note):</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-indent: -10.1pt"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: -11pt 0pt 0pt 0.1in">if the ending value is <B>greater
than</B> the starting value: $1,000 <I>plus </I>the lesser of: (i) $1,000 &#215; underlying return &#215; participation rate; and (ii)
the maximum return;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-indent: -10.1pt"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: -11pt 0pt 0pt 0.1in">if the ending value is <B>less
than or equal to</B> the starting value: $1,000</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Participation Rate:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">100%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Maximum Return:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">At least 23.00% of the stated principal amount ($230 per note), to be determined on the pricing date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Calculation Day *:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">October 30, 2029</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Maturity Date*:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">November 2, 2029</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Underlying Return:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">(ending value &ndash; starting value) / starting value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Starting Value:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">The closing value of the underlying on the pricing date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">Ending Value:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">The closing value of the underlying on the calculation day</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Calculation Agent:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">Citigroup Global Markets Inc. (&ldquo;<U>CGMI</U>&rdquo;), an affiliate of Citigroup Global Markets Holdings Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Denominations:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">$1,000 and any integral multiple of $1,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Agent Discount**:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">Up to 4.325%; dealers, including those using the trade name Wells Fargo Advisors (&ldquo;<U>WFA</U>&rdquo;), may receive a selling concession of 2.75% and WFA may receive a distribution expense fee of 0.075%. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">CUSIP / ISIN:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">17333MT60 / US17333MT605</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">United States Federal Tax Considerations:</FONT></TD>
    <TD STYLE="padding: 1pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">See the preliminary pricing supplement.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt; text-indent: -4.5pt">* subject to change</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt; text-indent: -4.5pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">** In addition, CGMI may pay a fee of up to 0.20% to selected securities
dealers in consideration for marketing and other services in connection with the distribution of the notes to other securities dealers.</P>

</DIV>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>
<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; color: rgb(143,143,143)">&nbsp;</P>
<DIV STYLE="border: rgb(127,127,127) 1pt solid; float: right; width: 49%">

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; color: #8F8F8F">Hypothetical Payout Profile (maturity payment
amount)***</P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 4.5pt; color: #8F8F8F">&nbsp;</P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0pt 0"><IMG SRC="image_005.jpg" ALT=""><FONT STYLE="font-family: Times New Roman, Times, Serif"></FONT></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">***assumes a maximum return equal to the lowest possible maximum return
that may be determined on the pricing date</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt"><B>If the ending value is less than or equal to the starting
value, you will be repaid the stated principal amount of the notes at maturity but will not receive any positive return on your investment.
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.3pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; color: #8F8F8F">On the date of the related preliminary pricing
supplement, Citigroup Global Markets Holdings Inc. expects that the estimated value of the notes on the pricing date will be at least
$900.00 per note, which will be less than the public offering price. The estimated value of the notes is based on CGMI&rsquo;s proprietary
pricing models and Citigroup Global Markets Holdings Inc.&rsquo;s internal funding rate. It is not an indication of actual profit to CGMI
or other of Citigroup Global Markets Holdings Inc.&rsquo;s affiliates, nor is it an indication of the price, if any, at which CGMI or
any other person may be willing to buy the notes from you at any time after issuance. See &ldquo;Valuation of the Notes&rdquo; in the
accompanying preliminary pricing supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.3pt; color: #8F8F8F"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt">Preliminary Pricing Supplement: <A HREF="https://www.sec.gov/Archives/edgar/data/831001/000095010325012521/dp235259_424b2-us2514709d.htm">https://www.sec.gov/Archives/edgar/data/831001/000095010325012521/dp235259_424b2-us2514709d.htm</A></P>

</DIV>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.3pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.3pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: rgb(127,127,127) 1pt solid; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-size: 12pt"><FONT STYLE="font-size: 10pt"><B>The notes have complex features and investing in the notes involves risks not associated with an investment in conventional debt securities. See &ldquo;Summary Risk Factors&rdquo; in this term sheet and the accompanying preliminary pricing supplement and &ldquo;Risk Factors&rdquo; in the accompanying product supplement.</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"><B>This introductory term sheet
does not provide all of the information that an investor should consider prior to making an investment decision. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P>

<P STYLE="color: #8F8F8F; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investors should carefully review the accompanying
preliminary pricing supplement, product supplement, underlying supplement, prospectus supplement and prospectus before making a decision
to invest in the notes.&nbsp;&nbsp;</P>

<P STYLE="color: #8F8F8F; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">NOT A BANK DEPOSIT AND NOT INSURED OR GUARANTEED BY THE FDIC OR
ANY OTHER GOVERNMENTAL AGENCY</P>

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


<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #8F8F8F">Summary Risk Factors</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: rgb(143,143,143)">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The risks set forth below are discussed in detail
in the &ldquo;Summary Risk Factors&rdquo; section in the accompanying preliminary pricing supplement and the &ldquo;Risk Factors&rdquo;
section in the accompanying product supplement. Please review those risk disclosures carefully.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>You May Not Receive Any Positive Return On Your Investment In The Notes. </B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Notes Do Not Pay Interest.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>Your Potential Return On The Notes Is Limited.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>You Will Not Receive Dividends Or Have Any Other Rights With Respect To The Securities Included In The Underlying.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>Your Maturity Payment Amount Depends On The Value Of The Underlying On A Single Day.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>Although The Notes Provide For The Repayment Of The Stated Principal Amount At Maturity, You May Nevertheless Suffer A Loss On
Your Investment In Real Value Terms If The Percentage Change From The Starting Value to the Ending Value Is Less Than Or Not Sufficiently
Greater Than Zero.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Notes 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 Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&#183;</FONT></TD><TD><B>The Notes Will Not Be Listed On Any Securities Exchange And You May Not Be Able To Sell Them Prior To Maturity.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>Sale Of The Notes Prior To Maturity May Result In A Loss Of Principal. </B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Estimated Value Of The Notes On The Pricing Date, Based On CGMI&#8217;s Proprietary Pricing Models And Our Internal Funding
Rate, Is Less Than The Public Offering Price.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Estimated Value Of The Notes Was Determined For Us By Our Affiliate Using Proprietary Pricing Models. </B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Estimated Value Of The Notes Would Be Lower If It Were Calculated Based On Wells Fargo&#8217;s Determination Of The Secondary
Market Rate With Respect To Us.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Estimated Value Of The Notes Is Not An Indication Of The Price, If Any, At Which Any Person May Be Willing To Buy The Notes
From You In The Secondary Market. </B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Value Of The Notes Prior To Maturity Will Fluctuate Based On Many Unpredictable Factors. </B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>We Have Been Advised That, Immediately Following Issuance, Any Secondary Market Bid Price Provided By Wells Fargo, And The Value
That Will Be Indicated On Any Brokerage Account Statements Prepared By Wells Fargo Or Its Affiliates, Will Reflect A Temporary Upward
Adjustment. </B></TD></TR></TABLE>

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

</DIV>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>Our Offering Of The Notes Is Not A Recommendation Of The Underlying. </B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Closing Value Of The Underlying May Be Adversely Affected By Our Or Our Affiliates&#8217;, Or By Wells Fargo And Its Affiliates&#8217;,
Hedging And Other Trading Activities.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>We And Our Affiliates And Wells Fargo And Its Affiliates May Have Economic Interests That Are Adverse To Yours As A Result Of Our
And Their Respective Business Activities.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Calculation Agent, Which Is An Affiliate Of Ours, Will Make Important Determinations With Respect To The Notes.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>Changes That Affect The Underlying May Affect The Value Of Your Notes.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Stated Maturity Date May Be Postponed If The Calculation Day Is Postponed.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>You Will Be Required To Recognize Taxable Income On The Notes Prior To Maturity.</B></TD></TR></TABLE>

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

</DIV>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt; color: #8F8F8F">Citigroup Global Markets Holdings Inc. and Citigroup Inc. have filed a registration statement (including a related preliminary pricing supplement, an accompanying product supplement, underlying supplement, prospectus supplement and prospectus) with the Securities and Exchange Commission (&ldquo;SEC&rdquo;) for the offering to which this communication relates. You should read the related preliminary pricing supplement and the accompanying product supplement, underlying supplement, prospectus supplement and prospectus in that registration statement (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 get these documents for free by visiting EDGAR on the SEC&rsquo;s website at www.sec.gov. Alternatively, you can request the related preliminary pricing supplement, accompanying product supplement, underlying supplement, prospectus supplement and prospectus by calling toll-free 1-800-831-9146.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #8F8F8F">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #8F8F8F">Wells Fargo Advisors is a trade name used by Wells
Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, members SIPC, separate registered broker-dealers and non-bank
affiliates of Wells Fargo Finance LLC and Wells Fargo&nbsp;&amp; Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #8F8F8F">&nbsp;</P>


<!-- Field: Page; Sequence: 2; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image_003.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_003.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  H'!PD'!@H)" D+"PH,#QD0#PX.
M#QX6%Q(9)" F)2,@(R(H+3DP*"HV*R(C,D0R-CL]0$! )C!&2T4^2CD_0#W_
MVP!# 0L+"P\-#QT0$!T]*2,I/3T]/3T]/3T]/3T]/3T]/3T]/3T]/3T]/3T]
M/3T]/3T]/3T]/3T]/3T]/3T]/3T]/3W_P  1"  W %$# 2(  A$! Q$!_\0
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BHKE&%%%% !1110 4444 %%%% !1110 4444 %%%% '__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image_005.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_005.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" #\ 6P# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$!
M 0$! 0        $" P0%!@<("0H+_\0 M1$  @$"! 0#! <%! 0  0)W  $"
M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,!  (1 Q$ /P#W^BBB@#G=
M8U>]L=4DMXVC2$VOF1N86?$F<?-@C / _/IWAO\ 7[^.ZV6L4;0[1ND$;.%X
MY;CJ-WR8ZYYKJ*0 #I0!D:+J-]?6L[W5L(Y4QB,@KM8C)0D]<'O[UH6-T+VR
MAN0A3S%SM)SBK%9^A_\ (%M?]T_S- &A1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%4K[4X+':A#S7#C]W;Q#+O\ AV'N<"@"X2 ,DU3M-2AOIW2V222)1S<
M#RR<] <\GZ CWJO_ &?<:BV_5& A_ALXV^3_ (&?XS[=/KUK45510JJ%4#
M& !0 M%%% !15._U6PTL1F^NXK<2DA/,;&X@9(%6P00".AZ4 +17/:OK5YI^
MIRP1I#Y2VGG(64M\P;!W8(P,=/?\JL:AJ-U#*S6CV[PB(D[@>&W 8!S@GK@>
MHZT ;-9^A_\ (%M?]T_S-0Z3J5U>PW+SVQ4QM\J!<'I]PY_B'?ZU)H!+:%:$
MJ5)3.T]1R: -*BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ IDDD<,;22NJ(HRS,< #ZU2
MN]5C@G^RV\3W5X1GR8OX1ZN>BCZ]>P-11:5)<3)<ZK*+B1>4@7B&,^P_B(_O
M'\ * &?;;S51C3!]GM3UO)4Y8?\ 3-#U_P!X\>@-7;+3;:P#F%"99.9)G.YY
M#_M,>O\ (5;HH **** "BBB@#D_B '_L2W,;.&%PN LBIG@]=W&*ZF//E)GK
MM'?-<E\0W TBT3S$4M< X)7>P /"ACSR0"!V-=='_JDXQ\HXQB@!U-55084
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M#M5O^U]-_P"@A:?]_E_QI\DNPN:/<M*JQHJ(H55&  , "G53_M?3?^@A:?\
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MW+_(Q/\ A#_#G_0%LO\ OT*/^$/\.?\ 0%LO^_0K;HH]O5_F?WO_ ##V-/\
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MB0QXL6QDL,@L!SP5[?CQ731@"- "2,#ENI^M &3J&O)I]_):M;2,4M_/#;@
MXW8(7/4CJ:;J'B*&PO?LIMY)'.%4J0 6QNQS_L\Y_"M"?3K.ZD,D]M'(Y3RR
M6&?EZXIITNQ;.^V1R1@EQN)&<]3[T 0:9K=OJ=M)<1H\<:*'!<=4(R#Q_+K6
M!IGC?0K/3H;>:XE$D8*L!;N1G)[XKK8;:&W#B&)(P[;FVC&3ZU4T/_D"VO\
MN_U-7!P7QJ_SM^C(FI/X7;Y&1_PL#P]_S\S?^ TG^%'_  L#P]_S\S?^ TG^
M%=/16O-1_E?W_P# ,^6K_,ON_P""<Q_PL#P]_P _,W_@-)_A1_PL#P]_S\S?
M^ TG^%=/11S4?Y7]_P#P Y:O\R^[_@G,?\+ \/?\_,W_ (#2?X4?\+ \/?\
M/S-_X#2?X5T]%'-1_E?W_P# #EJ_S+[O^"<Q_P + \/?\_,W_@-)_A1_PL#P
M]_S\S?\ @-)_A73UB2W.IR^(8(K:2,:?$Y6Y"QY)RA(!8],'!.!W'K1S4?Y7
M]_\ P Y:O\R^[_@E/_A8'A[_ )^9O_ :3_"C_A8'A[_GYF_\!I/\*Z>BCFH_
MRO[_ /@!RU?YE]W_  3F/^%@>'O^?F;_ ,!I/\*/^%@>'O\ GYF_\!I/\*Z>
MBCFH_P K^_\ X <M7^9?=_P3F/\ A8'A[_GYF_\  :3_  H_X6!X>_Y^9O\
MP&D_PKIZ*.:C_*_O_P" '+5_F7W?\$YC_A8'A[_GYF_\!I/\*/\ A8'A[_GY
MF_\  :3_  KIZ*.:C_*_O_X <M7^9?=_P3F/^%@>'O\ GYF_\!I/\*/^$_\
M#W_/S/\ ^ TG^%;U[?VVGQJ]Q)M+':B 99SZ*HY)^E4!!?ZKS=[[*S)XMXW_
M 'L@_P!MA]T?[*_GVHYJ/\K^_P#X <M7^9?=_P $QY?&QU4_9/"UH]_=D?-+
M(A2&$>K$_P JM:7X21+Q=4UNX.IZGV:0?NX?9%Z#ZUK6-K;VM[=);E%&V,&)
M%P$X./SK0H=>RY::M^?W_P"0*C=WJ._Y?<%%%%<YN5;])9+4+ ^Q_-C.=V.
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M!SQVJU0 4444 5KYITM@;==TGFQC&,_*77=_X[FK-5=025[4+"X1_-B.2V.
MZDC\1D?C5J@ HHHH *9,AD@DC&,LI W#(Y%/HH Y#_A%-3A\K[+JL<7EHD8(
M1P1&I8[ 0PX^;'X4K>&-;)4#7Y-JJ%SNDW-AB<D[^3@X_6NNHH Y!_#&O/\
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MC$I:5^9)G.Z20^K-W_D.U6Z $5510JJ%4#  & !2T44 %%%% !1110 4444
M%%%% !1110 4444 58(Y%U"[=G!C8)L7=G;@'/':K54[=(UU.\=9=TC"/>F,
M;< XY[YJY0 4444 5=0CDDM0L3A&\V(Y+8X#J2/Q&1^-6JIZDD<EF%EE\I?.
MB.[&>1(I _$X'XU<H **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH *ANKNWL;<SW,JQ1 @%F/&2<"IJI:M8)J>FRVLCM&K8.]5R5(.01[\<
M'K0!/;W=O=;_ +/,DGEMM;:<X/I6+INJ1P:9:VMO&US>%/\ 4Q_P@D\N>BCZ
M_@#46GW6B:;!(B7LCI.BD%@P.S' ! !X!R>XSDTR*U\-Z*KV:R2Q%3O?;/*-
MQ/)8D'!QD$GMGF@#4BTN2YD6?59%G=3N2! 1%&?I_$?<_@!6I6-96^DZA'OM
M9;B1><_Z3*,8)'][U!JRVD62*68W( &2?M4O_P 50!H45SD$F@W\3""[N<&)
MI-PN)AA1U/)ZCK3%N_#R"-#=W.6*H-T\V2Q(7!YZY(S]: .FHK-CTNQEC5T-
MR5/0_:I?_BJ;<Z?IMG;27%Q)/'#&I9W:ZEP!_P!]4 :E%<Z?[$N+661+F[58
MMC,4N)L\G@#GG)&./<4BW7A]YTA6[G+N3L'VB;#8!)P<^Q_$8H Z.BL\:/9D
M C[3_P"!4O\ \545S8:;9P&:XDN(XP0,FZEZDX'\5 &K17.N-$:&*Y^U72Q"
M79Q<S $X[\],'.?QI;:;0;NX$$-S<-*5#!?M$P."<#^+_(YH Z&BJ']CV?\
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M0!T%%<Q#<>'XQ# ;VZ+,5C4R7$V2Q&<$YZ\<^G>M9-*LI(U=3<[6&1_I,O\
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M]36O10!%;6Z6EK#;1EO+B0(NXY. ,<GO5;4-'L=37%W#OZ<[B,8.1T_&KU%
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MY4 ,M+3PVC*\-Y$S-B/#3 DD_=R#WQP*LZ=J&A:>UU:6]ZJ%9G:197(PV2"
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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<% !1110 4444 %%%% !1110 4444 %%%% '_V0$!

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