<SEC-DOCUMENT>0001918704-25-018076.txt : 20251024
<SEC-HEADER>0001918704-25-018076.hdr.sgml : 20251024
<ACCEPTANCE-DATETIME>20251024152556
ACCESSION NUMBER:		0001918704-25-018076
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251024
DATE AS OF CHANGE:		20251024

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:		251415922

	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>
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<TYPE>FWP
<SEQUENCE>1
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<DESCRIPTION>FORM FWP
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                <p style="margin: 0px 0px 0px 1.33px; line-height: 20.2px;"><font style="font-size: 18.67px; color: #FFFFFF; font-family: Calibri;">Citigroup Global Markets Holdings Inc.</font></p>
                <p style="margin: 0px 0px 0px 1.33px; line-height: 16.13px;"><font style="font-size: 13.34px; color: #FFFFFF; font-family: Calibri;">Guaranteed by Citigroup Inc.</font></p>
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                <p style="margin: 4.47px 0px 0px 0px; font-size: 16px; line-height: 114.24%;"><font style="font-size: 16px; font-family: Calibri;">Hypothetical Interim Payment per Security<sup style="line-height: 1; font-size: 75%; vertical-align: top;">**</sup></font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;" class="empty">&#160;</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #2292D0; font-family: Calibri;">Valuation Date on which the Closing Value of the Underlying Equals or Exceeds Initial Underlying Value</font></p>
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                    <td style="box-sizing: border-box; width: 200px; padding: 0px 0px 0px 0px; border-top: none; border-right: none; border-bottom: 0.67px solid #000000; border-left: none; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #2292D0; font-family: Calibri;">Premium</font></p>
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                    <td style="box-sizing: border-box; width: 200px; padding: 0px 0px 0px 0px; border-top: none; border-right: none; border-bottom: 0.67px solid #000000; border-left: none; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #2292D0; font-family: Calibri;">Hypothetical Redemption</font></p>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 200px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">November 9, 2026</font></p>
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                    <td style="box-sizing: border-box; width: 200px; padding: 0px 0px 0px 0px; vertical-align: middle;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">7.50%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,075.00</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">November 8, 2027</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">15.00%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,150.00</font></p>
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                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 0%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">If the closing value of the underlying is not greater than or equal to the initial underlying value on any interim valuation date, then the securities will not be automatically redeemed prior to maturity and you will not receive a premium following that valuation date.</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 8px; font-family: Calibri;"><sup style="line-height: 1; font-size: 75%; vertical-align: top;">**</sup> </font><font style="font-size: 10px; font-family: Calibri;">The hypotheticals assume that the premium applicable to each valuation date will be set at the lowest value indicated in this offering summary.</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 16px; line-height: 114.24%;"><font style="font-size: 16px; font-family: Calibri;">Hypothetical Payment at Maturity per Security<sup style="line-height: 1; font-size: 75%; vertical-align: top;">***</sup></font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">Assumes the securities have not been automatically redeemed prior to maturity.</font></p>
                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 5.83%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #2292D0; font-family: Calibri;">Hypothetical Underlying Return on Final Valuation Date</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; border-bottom: 0.67px solid #000000; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 12px; line-height: 116.67%;"><font style="font-size: 12px; color: #2292D0; font-family: Calibri;">Hypothetical Payment at Maturity</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">100.00%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,225.00</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">50.00%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,225.00</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">25.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,225.00</font></p>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">0.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,225.00</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-0.01%</font></p>
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                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,000.00</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-25.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,000.00</font></p>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-50.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,000.00</font></p>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-75.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,000.00</font></p>
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                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">-100.00%</font></p>
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                    <td style="box-sizing: border-box; width: 300px; padding: 0px 7.2px 0px 7.2px; vertical-align: bottom;">
                      <p style="text-align: center; margin: 0px 0px 0px 0px; font-size: 10.67px; line-height: 175%;"><font style="font-size: 10.67px; font-family: Calibri;">$1,000.00</font></p>
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                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 5.83%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 8px; line-height: 114.24%;"><font style="font-size: 8px; font-family: Calibri;"><sup style="line-height: 1; font-size: 75%; vertical-align: top;">***</sup></font><font style="font-size: 10px; font-family: Calibri;"> </font><font style="font-size: 8px; font-family: Calibri;">The hypothetical assumes that the premium on the final valuation date will be set at the lowest value indicated in this offering summary.</font></p>
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            <div style="width: 402.93px; height: 604.4px; position: absolute; overflow-x: clip; margin-top: 3.8px; margin-left: 542.6px; z-index: 12;">
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              <div style="position: absolute; top: 0px; left: 0px; height: 604.4px; width: 517.33px; box-sizing: border-box; padding: 0px 0px 0px 0px;">
                <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 22.67px; color: #2292D0; font-family: Calibri;">3 Year Autocallable Market-Linked Securities Linked to HYG</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 13.34px; line-height: 114.24%;"><font style="font-size: 13.34px; font-family: Calibri;">Preliminary Terms</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 10.67px; line-height: 114.24%;"><font style="font-size: 10.67px; font-family: Calibri;">This summary of terms is not complete and should be read with the preliminary pricing supplement below</font></p>
                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 0%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
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                  <tr style="vertical-align: top;">
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Issuer:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">Citigroup Global Markets Holdings Inc.</font></p>
                    </td>
                  </tr>
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                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Guarantor:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">Citigroup Inc.</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Underlying:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">The iShares<sup style="line-height: 1; font-size: 75%; vertical-align: top;">&#174;</sup> iBoxx<sup style="line-height: 1; font-size: 75%; vertical-align: top;">&#174;</sup> $ High Yield Corporate Bond ETF (ticker: &#8220;HYG&#8221;)</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Pricing date:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">November 7, 2025</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Valuation dates:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">Annually, beginning approximately one year after issuance</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Final valuation date:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">November 7, 2028</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Maturity date:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">November 10, 2028</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Automatic early redemption:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">If on any valuation date prior to the final valuation date the closing value of the underlying is greater than or equal to the initial underlying value, the securities will be automatically called for an amount equal to the principal plus the applicable premium</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Premium:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">At least 7.50% per annum*</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">CUSIP / ISIN:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">17331BRR2 / US17331BRR23</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Initial underlying value:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">The closing value of the underlying on the pricing date</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Final underlying value:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">The closing value of the underlying on the final valuation date</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Underlying return:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">(Final underlying value - initial underlying value) / initial underlying value</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Payment at maturity (if not autocalled):</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">If the final underlying value is <b>greater than or equal to</b> the initial underlying value: </font></p>
                      <p style="margin: 2.67px 0px 2.67px 35.13px;"><font style="font-size: 9.34px; font-family: Calibri;">$1,000 + the premium applicable to the final valuation date</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">If the final underlying value is <b>less than</b> the initial underlying value: </font></p>
                      <p style="margin: 2.67px 0px 2.67px 35.13px;"><font style="font-size: 9.34px; font-family: Calibri;">$1,000</font></p>
                      <p style="margin: 4.47px 0px 0px 0px; font-size: 9.34px; line-height: 114.24%;"><font style="font-size: 9.34px; font-family: Calibri;">All payments on the securities are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Stated principal amount:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000; border-bottom: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; font-family: Calibri;">$1,000 per security</font></p>
                    </td>
                  </tr>
                  <tr style="vertical-align: top;">
                    <td style="box-sizing: border-box; width: 113.33px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 9.34px; color: #2292D0; font-family: Calibri;">Preliminary pricing supplement:</font></p>
                    </td>
                    <td style="box-sizing: border-box; width: 400px; padding: 0px 0px 0px 0px; border-top: 0.67px solid #000000;">
                      <p style="margin: 0px 0px 0px 0px;"><a href="https://www.sec.gov/Archives/edgar/data/200245/000191870425018068/form424b2.htm"style="color:#2292D0;"><font style="font-size: 9.34px;  font-family: Calibri;"><u>Preliminary Pricing Supplement dated October 24, 2025</u></font></a></p>
                    </td>
                  </tr>
                </table>
                <p style="margin: 0px 0px 0px 0px; font-size: 14.67px; line-height: 0%;"><font style="font-family: Calibri;" class="empty">&#160;</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 8.66px; line-height: 114.24%;"><font style="font-size: 8.66px; font-family: Calibri;"><sup style="line-height: 1; font-size: 75%; vertical-align: top;">*</sup> </font><font style="font-size: 8px; font-family: Calibri;">The actual premium will be determined on the pricing date.</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 8px; line-height: 114.24%;"><font style="font-size: 8px; font-family: Calibri;" class="empty">&#160;</font></p>
                <p style="margin: 4.47px 0px 0px 0px; font-size: 8px; line-height: 114.24%;"><font style="font-size: 8px; font-family: Calibri;" class="empty">&#160;</font></p>
              </div>
            </div>
          </div>
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                <p style="margin: 0px 0px 0px 1.33px; line-height: 20.2px;"><font style="font-size: 18.67px; color: #FFFFFF; font-family: Calibri;">Citigroup Global Markets Holdings Inc.</font></p>
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                      <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">Citigroup Global Markets Holdings Inc. and Citigroup Inc. have filed registration statements (including the accompanying preliminary pricing supplement, product supplement, underlying supplement, prospectus supplement and prospectus) with the Securities and Exchange Commission (&#8220;SEC&#8221;) for the offering to which this communication relates. Before you invest, you should read the accompanying preliminary pricing supplement, product supplement, underlying supplement, prospectus supplement and prospectus in those registration statements (File Nos. 333-270327 and 333-270327-01) and the other documents Citigroup Global Markets Holdings Inc. and Citigroup Inc. have filed with the SEC for more complete information about Citigroup Global Markets Holdings Inc., Citigroup Inc. and this offering. You may obtain these documents without cost by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, you can request these documents by calling toll-free 1-800-831-9146.</font></p>
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                      <p style="margin: 4.47px 0px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;">Filed pursuant to Rule 433</font></p>
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                      <p style="margin: 0px 0px 0px 0px;"><font style="font-size: 10px; font-family: Calibri;"><b>This offering summary does not contain all of the material information an investor should consider before investing in the securities. This offering summary is not for distribution in isolation and must be read together with the accompanying preliminary pricing supplement and the other documents referred to therein, which can be accessed via the link on the first page. </b></font></p>
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                      <p style="margin: 0px 0px 0px 0px; line-height: 14.93px;"><font style="color: #585858; font-family: Calibri;">Selected Risk Considerations</font></p>
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                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">You may not receive any return on your investment in the securities.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">Your potential return on the securities is limited.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">Although the securities 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 securities are not automatically redeemed prior to maturity or if the underlying declines from the initial underlying value to the final underlying value.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities do not pay interest.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">You will not receive dividends or have any other rights with respect to the underlying.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities may be automatically redeemed prior to maturity.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities are particularly sensitive to the volatility of the closing value of the underlying on or near the valuation dates.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. If Citigroup Global Markets Holdings Inc. defaults on its obligations under the securities and Citigroup Inc. defaults on its guarantee obligations, you may not receive anything owed to you under the securities.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">Sale of the securities prior to maturity may result in a loss of principal.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The securities will not be listed on any securities exchange and you may not be able to sell them prior to maturity.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The estimated value of the securities on the pricing date will be less than the issue price. For more information about the estimated value of the securities, see the accompanying preliminary pricing supplement.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The value of the securities prior to maturity will fluctuate based on many unpredictable factors.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The iShares<sup style="line-height: 1; font-size: 75%; vertical-align: top;">&#174;</sup> iBoxx<sup style="line-height: 1; font-size: 75%; vertical-align: top;">&#174;</sup> $ High Yield Corporate Bond ETF is subject to significant risks, including interest rate-related and credit-related risks.</font></p>
                      <p style="margin: 4.27px 26.07px 0px 27.6px; font-size: 9.34px; line-height: 114.24%; text-indent: -18.13px;"><font style="display: inline-block; min-width: 18.13px; font-size: 10px; color: #585858; font-family: Arial; text-indent: 0px;" class="bullet">&#8226;</font><font style="font-size: 9.34px; font-family: Calibri; text-indent: 0px;">The issuer and its affiliates may have conflicts of interest with you.</font></p>
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                      <p style="margin: 4.47px 14.13px 0px 0px; font-size: 10px; line-height: 114.24%;"><font style="font-size: 10px; font-family: Calibri;"><b>The above summary of selected risks does not describe all of the risks associated with an investment in the securities. You should read the accompanying preliminary pricing supplement and product supplement for a more complete description of risks relating to the securities.</b></font></p>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
