<SEC-DOCUMENT>0000950103-25-012640.txt : 20251001
<SEC-HEADER>0000950103-25-012640.hdr.sgml : 20251001
<ACCEPTANCE-DATETIME>20251001145742
ACCESSION NUMBER:		0000950103-25-012640
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251001
DATE AS OF CHANGE:		20251001

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:		251364221

	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>dp235314_fwp-us2514701.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="font-size: 10pt; width: 100%; 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_001.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; text-align: right; color: #B2B2B2"><B>Term Sheet
    No. 2025-USNCH28629</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; text-align: right; color: #B2B2B2"><B>dated September
    30, 2025 relating to<BR>
    Preliminary Pricing Supplement No. 2025-USNCH28629</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 Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0pt; text-align: right; color: #B2B2B2"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>d</B></FONT><B>ated
<FONT STYLE="font-family: Times New Roman, Times, Serif">September 30, 2025</FONT></B></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; width: 100%; font: 36pt Georgia, Times, Serif; color: #688FCF"><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<BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: White">Notes Linked to the EURO STOXX 50<SUP>&reg;</SUP>
    Index due November 2, 2028<BR>
    Term Sheet to Preliminary Pricing Supplement No. 2025-USNCH28629 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>

<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">EURO STOXX 50<SUP>&reg;</SUP> Index</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 21.00% of the stated principal amount ($210 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, 2028</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, 2028</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 3.825%; dealers, including those using the trade name Wells Fargo Advisors (&ldquo;<U>WFA</U>&rdquo;), may receive a selling concession of 2.25% 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">17333MV26 / US17333MV262</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>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 1pt 4pt">
    <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></TD></TR>
  </TABLE>
<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 4.5pt; color: #8F8F8F"></P>

</DIV>

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

<DIV STYLE="border: Black 1pt solid; float: right; width: 49%"><P STYLE="padding-left: 4pt; font: 13pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; color: #8F8F8F">&nbsp;Hypothetical
Payout Profile (maturity payment amount)***</P>

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

<P STYLE="text-align: center; font: 10pt Georgia, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="image_003.jpg" ALT=""><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B></B></FONT></P>

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

<P STYLE="padding-left: 4pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt">***assumes a maximum return equal to the lowest possible
maximum return that may be determined on the pricing date</P>

<P STYLE="padding-left: 4pt; 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="padding-left: 4pt; 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
$903.50 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="padding-left: 4pt; 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/200245/000095010325012552/dp235267_424b2-us2514701d.htm">https://www.sec.gov/Archives/edgar/data/200245/000095010325012552/dp235267_424b2-us2514701d.htm</A>&nbsp;</P>

</DIV>

<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; width: 100%; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="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="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="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>The EURO STOXX 50<SUP>&#174;</SUP> Index Is Subject To Risks Associated With Non-U.S. Markets.</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 Performance Of The EURO STOXX 50<SUP>&#174;</SUP> Index Will Not Be Adjusted For Changes In The Exchange Rate Between The Euro
And The U.S. Dollar.</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>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_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.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_003.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_003.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" #K 68# 2(  A$! Q$!_\0
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M1JVQ57)+':,9/K5?2_\ D$67_7!/_010!;HHHH **** "BBB@ HHHH ****
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M#Q9.\7B'PZN\)&;G!)5F#$D<< X^K<?CBNOH **** $/0U5TO_D$67_7!/\
MT$5:/0U5TO\ Y!%E_P!<$_\ 010!;HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBJ-]J<-DRPA7GNY%+16T6"[@=3SP![G
M R0.I H N.ZQH7=@JCJ2< 5DB\NM8 &G$V]D<$WCK\T@STC4]B/XSQ@\ YR$
M32)K^Y6ZU>02*I#162',,9'(+?WV![GCT%;- %6QTZUTZ(I;1!2W+R$Y>0^K
M,>6/N:M444 %%%% !1110 4444 %%%% !1110 4444 <WKFG7-[X@TUUAA>"
M!ED!DF(.X,,X7UQSGVQWKI*XKQ*I/C32,(2#LW$).1_K.-Q1@@]MP//7BNUH
M YC5WUF+4;[[&+MX3;1M"8E7"OOP5&>N1R>A _19M2O;N]E-C%J"1J44>9 /
M+<[QD Y!48&">V2<<"NFKFK;PS=65U+=6]]$7+3LD4L1*#S-G!.[) V'J3C=
M@< "@"WIK:O]GOOM 7SE8B 3'"D\\_+SM/%6]'?_ (DMB':/S!;1[PIX!VC/
MX5SJ^!BMO;Q#41 L*@!;6 QK@&0\ N<?ZSUXVCZ5TNE@?V19<#_4)_Z"* +0
MD3!(=<#J<T>8@7.]<>N:7  Z"C Z8% "&1!C+J,].:-ZAMNX9],\TN!Z"C S
MG'- "!TR0&7([9H$B$$AUP.ISTI<#T%& .PH 3S$"YWKCUS09$ &749Z<TN!
MTP*,#T% "%T#;2R@^F:-Z9QN7([9I<#KBC ZX% ""1""0ZX'7GI1O0+G>N/7
M-+@#L*,#I@4 (9$ !+J >G-!= =I90?3-+@>@HP/2@!-Z9V[ESZ9H$B$$AU(
M'7GI2X'7 HP!V% ">8FW.]<>N:/,0 $NH!Z<TN!C&!BC ]!0 A= <%E!],T;
MTW;=RY],TN!Z"C SG H 02(<X=3CK@]*:\T,<32/*BQJ,L[, !]36?JVN6.C
M(@G)>XE.V&VB7=)*WHJ_UZ5C1:)J/B$?:O$@6&VQNATN)_D7T,I_C/3CI[5M
M"E=<\W9?GZ+^D92J:\L5=_EZ_P!7)KOQ/#>S&UTO4+&) 2LM[-,NU,$@A%S\
MS9'? ^N:O65YH5@K^7JEHTDK;Y9I+E"\C8QECGVZ#@#@ "E'A3P]@?\ $DT[
M_P !D_PI?^$4\/?] /3O_ 9/\*?[C^]^!/[[R_$L?VYI'_04LO\ P(3_ !H_
MMS2/^@I9?^!"?XU7_P"$4\/?] /3O_ 9/\*/^$4\/?\ 0#T[_P !D_PI_N/[
MWX!^^\OQ+']N:1_T%++_ ,"$_P :/[<TC_H*67_@0G^-5_\ A%/#W_0#T[_P
M&3_"C_A%/#W_ $ ]._\  9/\*/W'][\ _?>7XEC^W-(_Z"EE_P"!"?XT?VYI
M'_04LO\ P(3_ !JJWA;PZBECHFG  9/^C)_A69I&CZ/?/<I=>&M.MV1\Q 6Z
MG=&0",Y'#<\CM[T?N/[WX!^^\OQ-W^W-(_Z"EE_X$)_C1_;FD?\ 04LO_ A/
M\:K_ /"*>'O^@'IW_@,G^%'_  BGA[_H!Z=_X#)_A1^X_O?@'[[R_$L?VYI'
M_04LO_ A/\:/[<TC_H*67_@0G^-5_P#A%/#W_0#T[_P&3_"C_A%/#W_0#T[_
M ,!D_P */W'][\ _?>7XEC^W-(_Z"EE_X$)_C1_;FD?]!2R_\"$_QJO_ ,(I
MX>_Z >G?^ R?X4?\(IX>_P"@'IW_ (#)_A1^X_O?@'[[R_$LIK.ENX1-2LV8
MG 43J23^=7JR8_#&@PR+)'HU@CH=RLMNH(/J.*UJRGR?8O\ .WZ&D.?[5OE?
M]0HHHJ"SE?$"SW'B&PMBNH261"M)'!9QO%G>!EI&Y7MD+SCGL:ZJN9\2SW%O
MK&B&">2)'GVR*KR*&&Y1\P5&!'/\17DCFNFH **YC6/$TFEZA?6S-:*(+>.X
M3S).JE]IW<Y4D\#C!]>U-OO%AM]0EMX5MWB3.9M^53Y5*9(_OL60>I&.QH Z
M@]#572_^019?]<$_]!%4]$U>35H[EGA$1A?80#T;G*GW'>LBT\7Q6MG!;G1-
M<D,4:H7BL69&P,94]P>QK2%.<_A5_P"O4B=2,/B9UU%<O_PF\/\ T /$'_@O
M;_&C_A-X?^@!X@_\%[?XUI]6J_R_E_F9_6*7?\_\CJ**Y?\ X3>'_H >(/\
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M*** "BBB@ K/TQMTVHCTNB/_ !Q:T*RM&;=<:L/2^8?^0TH U:*** "BBB@
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M?O" >@(QSFNTH ANX!=6<UNP4B1"F&&1R.]<W#X3N8[:-&OH#)'$B;A;G:Y
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M>2YBT6_DLT+W26\C0J%W$N%.T8[\XXJ[5+6(IY]$OXK:01W#VTBQ.6V[6*D
MY[<]Z )[-I&LH&F&)3&I<$8P<<\=JFJ&S1TLH$E;=(L:ACG.3CGFIJ "FOD1
ML5ZX.*=37!,; <'!Q0 HZ#-+2#H*6@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** ,N_T&SU'4K6^N3*TEJ0T:%\QA@<AMIXS[]:U*** "BH+R-Y
M;&>.)G61HV"F,@,#CC!/&:YBVMM=^SQI)!>PS)!&I=;I621]RDY!<D8 P<')
M!;!/!H ZT]#572_^019?]<$_]!%4](@U*".\^V,78R'RM\F01SR.N!TX]NE6
M]*S_ &/8YQG[/'G'^Z* +E%%% !116,^JW%_.;;1XU=5.);V09B3V49!=OIP
M.Y[$ NWVI06 17W/-(<1PQC<[_0>G/)Z"J4>FW6I2^?K#+Y'6.P0Y1?^NA_Y
M:'V^Z/0\$7;+38+$O("\UQ)_K+B4[I'YSC/8<\ 8 [ 5<H 0# QVI:** "BB
MB@ HHHH **** "BBB@ JAKD4<_A_4HIIA!%):RJ\K#(0%""Q^G6K]9^N_9_^
M$?U+[7YGV;[++YOE8W;-ASMSQG&<4 6+%5CL+9$<.JQ* X_B&!S5BJ]CY?\
M9]MY6[R_*79NZXP,9]ZL4 %-D ,; G P>:=39,>6V>FTYQ0 HZ"EI!T&*6@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH 0]#572_
M^019?]<$_P#015H]#572_P#D$67_ %P3_P!!% %NJE_J5KID*R7,FTNVV-%&
MYY&[*JCDD^@JM/J<L\SVNE1I/*AVR3,?W41S@@D?>88/RCICDCC,MCI4=K,;
MF61KF]9=K7$@YQG.U1T4>P]LYQ0!6^Q76K?/J68+0_=LD;E@1_RU8=3U^4''
MN< UK(B11K'&JHBC"JHP /0"G44 %%%% !1110 4444 %%%% !1110 4444
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M<^XJ&/5]=9%81L241L"'AGV\+[!CU/;VJ>XU36AJ;16Z'[,9,!O*R%Y4*O\
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MXU;=BL;,J%V )"@@$GTYKG?[2U ZT5\TK9 IN7R@623G=&<?P[>=P/56YQ@
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MSSPK;"VG2*1YT7#H6#KN&X''3Y=V/?;VR#A3ZKKBZ.);>W,]XK$Q1M'M\\[
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G HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#__9

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