<SEC-DOCUMENT>0000950103-25-013535.txt : 20251023
<SEC-HEADER>0000950103-25-013535.hdr.sgml : 20251023
<ACCEPTANCE-DATETIME>20251022182527
ACCESSION NUMBER:		0000950103-25-013535
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251023
DATE AS OF CHANGE:		20251022

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:		251411032

	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>dp236225_fwp-us2522926.htm
<DESCRIPTION>OFFERING SUMMARY
<TEXT>
<HTML>
<HEAD>
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<BODY STYLE="font: 14pt Times New Roman, Times, Serif">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font-size: 10pt; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 391px">
    <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"><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>
    <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-USNCH29046</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"><B>dated October
    22, 2025 relating to<BR>
    Preliminary Pricing Supplement No. 2025-USNCH29046</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: -2.95pt; color: #B2B2B2"><B>dated October
    22, 2025</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"><B>Filed Pursuant to Rule 433</B></P></TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="padding: 5pt; background-color: rgb(143,143,143); width: 100%"><P STYLE="color: white; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Market Linked Securities&mdash;Auto-Callable with Leveraged
Upside Participation and Contingent Downside</P>

<P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Principal at Risk Securities Linked to the EURO STOXX
50<SUP>&reg;</SUP> Index due November 2, 2028</P>

<P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Term Sheet to Preliminary Pricing Supplement No. 2025-USNCH29046
dated October 22, 2025</P>
</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: 0pt 0 0pt 4.5pt; color: #8F8F8F">Summary of Terms</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-right: 5pt; width: 33%; border: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Issuer and Guarantor:</FONT></TD>
    <TD STYLE="padding-right: 5pt; width: 67%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><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-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Underlying:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">EURO STOXX 50<SUP>&reg;</SUP> Index</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Pricing Date*:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">October 30, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Issue Date*:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">November 4, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Stated Principal Amount:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">$1,000 per security</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Automatic Call:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">If the closing value of the underlying on the call date is greater than or equal to the starting value, the securities will be automatically called for redemption on the call settlement date for an amount in cash per security equal to $1,000 <I>plus</I> the call premium.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Call Premium:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">At least 11.50% of the stated principal amount (to be determined on the pricing date)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Maturity Payment Amount (per security):</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 5pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If the securities are not automatically called for redemption prior
    to maturity, you will receive a maturity payment amount for each $1,000 stated principal amount security you hold at maturity:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: -11pt 0pt 0pt 0.15in">if the ending value
    is <B>greater than</B> the starting value: $1,000 + ($1,000 &#215; underlying return &#215; participation rate);</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: -11pt 0pt 0pt 0.15in">if the ending value
    is <B>less than or equal to</B> the starting value, but <B>greater than or equal to</B> the threshold value: $1,000; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: -11pt 0pt 0pt 0.15in">if the ending value
    is <B>less than</B> the threshold value: $1,000 + ($1,000 &#215; underlying return)</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Participation Rate:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">150%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Call Date*:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">November 4, 2026</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Call Settlement Date:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">The third business day after the call date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Final Calculation Day*:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">October 30, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Maturity Date*:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">November 2, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Underlying Return:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">(ending value &ndash; starting value) / starting value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Starting Value:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">The closing value on the pricing date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-indent: 1pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Threshold Value:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">75% of the starting value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Ending Value:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">The closing value on the final calculation day</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Calculation Agent:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><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-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Denominations:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><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-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Agent Discount**:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">Up to 2.575%; dealers, including those using the trade name Wells Fargo Advisors (&ldquo;<U>WFA</U>&rdquo;), may receive a selling concession of 2.00% and WFA may receive a distribution expense fee of 0.075%. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">CUSIP / ISIN:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">17331BPF0 / US17331BPF03</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">United States Federal Tax Considerations:</FONT></TD>
    <TD STYLE="padding-right: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; padding-left: 5pt"><FONT STYLE="font-size: 10pt">See the preliminary pricing supplement.</FONT></TD></TR>
  </TABLE>
<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="width: 100%">
    <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">** In addition, CGMI may pay a fee of up to 0.30% to selected
    securities dealers in consideration for marketing and other services in connection with the distribution of the securities to other
    securities dealers.</P></TD></TR>
  </TABLE>

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

</DIV>

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

<DIV STYLE="padding: 5pt; border: Black 1pt solid; float: right; width: 49%">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt">***assumes a call premium equal to the lowest possible call
premium that may be determined on the pricing date</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.3pt"><B>If the securities are automatically called for redemption,
the positive return on the securities will be limited to the call premium, and you will not participate in any appreciation of the underlying
beyond the call premium, which may be significant. If the securities are automatically called, you will no longer have the opportunity
to participate in any appreciation of the underlying at the participation rate. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.3pt"><B>If the securities are not automatically called for redemption
prior to maturity and the ending value is less than the threshold value, you will receive significantly less than the stated principal
amount of your securities, and possibly nothing, at maturity.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.3pt; color: #8F8F8F">On the date of the related preliminary pricing
supplement, Citigroup Global Markets Holdings Inc. expects that the estimated value of the securities on the pricing date will be at least
$911.50 per security, which will be less than the public offering price. The estimated value of the securities 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 securities from you at any time after issuance. See &ldquo;Valuation of the Securities&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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt">Preliminary Pricing Supplement: <A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010325013495/dp236153_424b2-us2522926d.htm">sec.gov/Archives/edgar/data/200245/000095010325013495/dp236153_424b2-us2522926d.htm</A></P>

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

</DIV>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Gray 1pt solid; width: 100%">&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The securities have complex features and investing in the securities
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></P>

<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 securities.&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="margin: 0"></P>

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

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #8F8F8F">&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 Lose Some Or All Of Your Investment. </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 Securities 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>If The Securities Are Automatically Called For Redemption Prior To Maturity, Your Potential Return On The Securities 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>The Securities May Be Automatically Called For Redemption Prior To Maturity, Limiting The Term Of The Securities.</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 Securities Will Depend On The Closing Values Of The Underlying Solely On The Calculation Days, Which Makes
The Securities Particularly Sensitive To Volatility In The Closing Values Of The Underlying On Or Near The Calculation Days. </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 Securities Are Subject To The Credit Risk Of Citigroup Global Markets Holdings Inc. And Citigroup Inc.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt 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 Securities 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; font-style: normal; font-weight: normal">&#183;</FONT></TD><TD><FONT STYLE="font-style: normal"><B>The Estimated Value Of The Securities 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></FONT></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 Securities 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 Securities 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 Securities Is Not An Indication Of The Price, If Any, At Which Any Person May Be Willing To Buy The
Securities From You In The Secondary Market.&nbsp;&nbsp;</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 Value Of The Securities 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">&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 EURO STOXX 50</B><SUP>&#174;</SUP> <B>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</B><SUP>&#174;</SUP> <B>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 Securities 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 Securities.</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 Securities.</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 Call Settlement Date And The Stated Maturity Date May Be Postponed If A 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" STYLE="width: 100%; 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 U.S. Federal Tax Consequences Of An Investment In The Securities Are Unclear.</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 CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 100%">&nbsp;</TD></TR>
</TABLE>

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

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

<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>


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