<SEC-DOCUMENT>0000950103-25-013857.txt : 20251030
<SEC-HEADER>0000950103-25-013857.hdr.sgml : 20251030
<ACCEPTANCE-DATETIME>20251029204225
ACCESSION NUMBER:		0000950103-25-013857
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251030
DATE AS OF CHANGE:		20251029

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:		251431759

	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>dp236542_fwp-us2524906.htm
<DESCRIPTION>OFFERING SUMMARY
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt 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-USNCH29147</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
    29, 2025 relating to<BR>
    Preliminary Pricing Supplement No. 2025-USNCH29147</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
    29, 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>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; background-color: rgb(143,143,143); width: 100%">
    <P STYLE="color: white; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Market Linked Notes&mdash;Upside Participation to a Cap
    and Principal Return at Maturity</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Notes Linked to the S&amp;P 500<SUP>&reg;</SUP> Index
    due November 29, 2029</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Term Sheet to Preliminary Pricing Supplement No. 2025-USNCH29147
    dated October 29, 2025</P></TD></TR>
  </TABLE>
<DIV STYLE="float: left; width: 49%">

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; 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: 2pt; width: 33%; border: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">Issuer and Guarantor:</FONT></TD>
    <TD STYLE="padding: 2pt; 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: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">November 24, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">November 28, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Symbol; margin: 0pt 0">&#183;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: -11pt 0pt 0pt 0.2in">if the ending value is <B>greater than</B> the starting value:
    $1,000 <I>plus </I>the lesser of: (i) $1,000 &times; underlying return &times; participation rate; and (ii) the maximum return;</P>
    <P STYLE="font: 10pt Symbol; margin: 0pt 0">&#183;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: -11pt 0pt 0pt 0.2in">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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">At least 20.00 % of the stated principal amount ($200 per note), to be determined on the pricing date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">November 26, 2029</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">November 29, 2029</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">Up to 4.325%; dealers, including those using the trade name Wells Fargo Advisors (&ldquo;<U>WFA</U>&rdquo;), may receive a selling concession of 2.75% and WFA may receive a distribution expense fee of 0.075%. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-size: 10pt">17331BUD9 / US17331BUD99</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt; 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: 2pt; 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: 2pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">* 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 0.20% to selected securities
    dealers in consideration for marketing and other services in connection with the distribution</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">of the notes to other securities dealers.</P></TD></TR>
  </TABLE>
<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #8F8F8F"></P>

</DIV>

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

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

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

<DIV STYLE="padding: 2pt; border: Black 1pt solid">

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010325013828/dp236506_424b2-us2524906d.htm">https://www.sec.gov/Archives/edgar/data/200245/000095010325013828/dp236506_424b2-us2524906d.htm</A></P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

</DIV>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

</DIV>

<P STYLE="margin-top: 0; margin-bottom: 0"></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"><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>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt; text-align: justify"><FONT STYLE="font-size: 10pt; 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></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: bold 10pt Myriad Pro; color: #8F8F8F"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">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;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: bold 10pt Myriad Pro; color: #8F8F8F"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NOT A BANK DEPOSIT AND NOT INSURED OR GUARANTEED BY THE FDIC OR ANY OTHER GOVERNMENTAL AGENCY</FONT></TD></TR>
  </TABLE>

<!-- 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: 10pt 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: 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 Not Receive Any Positive Return On Your Investment In The Notes. </B></TD></TR></TABLE>

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

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

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>The Notes Are Subject To The Credit Risk Of Citigroup Global Markets Holdings Inc. And Citigroup Inc.</B></TD></TR></TABLE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

</DIV>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

</DIV>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt; color: #8F8F8F">Citigroup Global Markets Holdings Inc. and Citigroup Inc. have filed a registration statement (including a related preliminary pricing supplement, an accompanying product supplement, underlying supplement, prospectus supplement and prospectus) with the Securities and Exchange Commission (&ldquo;SEC&rdquo;) for the offering to which this communication relates. You should read the related preliminary pricing supplement and the accompanying product supplement, underlying supplement, prospectus supplement and prospectus in that registration statement (File Nos. 333-270327 and 333-270327-01) and the other documents Citigroup Global Markets Holdings Inc. and Citigroup Inc. have filed with the SEC for more complete information about Citigroup Global Markets Holdings Inc., Citigroup Inc. and this offering. You may get these documents for free by visiting EDGAR on the SEC&rsquo;s website at www.sec.gov. Alternatively, you can request the related preliminary pricing supplement, accompanying product supplement, underlying supplement, prospectus supplement and prospectus by calling toll-free 1-800-831-9146.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #8F8F8F">&nbsp;</P>

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


<!-- Field: Page; Sequence: 2; Options: NewSection Last; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence -->&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" $\ <D# 2(  A$! Q$!_\0
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M &1A/][K6EI6A66D&26)6FO)N9[R<[IIC_M-Z>BC"CL!6G0 U$2.-8XU5$4
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M/W>N.MQXFD1X00R:5"V;=?3S#UE;ZX7_ &>,UTBJ%4*H  & !VI:* "BBB@
MHHHH **** "BBB@ HHHH *S]><Q^'=3<-.I6TE(:W.)!\AY3_:]/>M"LSQ&D
M;^'-1,K1HL=O)('D0NJ%5)#%1R0",X]J ,'X=7:3Z-=P?:)I98KEB1+*\A52
M!MP[_,PP.IQSG  Q78US'@-)4\/,9;;[,'N'9(C&RE5P,=43=]=H].<9KIZ
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MF"SMI+BYFCA@C&YY)&"JH]23TKG1J&I^)D*Z.9-.TTG!U&6/][*,_P#+%&'
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MGR[1^% &I1110 4444 %%%% !1110!3NN+^P/^VX_P#'#_A5RJ\\#2W-K(I
M$,A9@>X*L/YD58H **** "BBB@ HHHH **** "BBB@ HHHH *S?$,\EMX<U*
MXB2W=HK:1]MRI:,@*20P')&.PK2JAKCQ1^']2DG($*VLK2$YQM"G/0$]/0&@
M#)\%K')I,EV-*LM.DEDP4M;<1 J ,9Q][J>??\^EKD/AS&L7AR= -A%W)F'J
M8N%^4L.&XP<CUQVKKZ "BBB@ K/A_P"1AO/^O2#_ -#FK0K/A_Y&&\_Z](/_
M $.:@#0HHHH **** "BBB@ HHHH K7UU]D@W*N^9V"11YQO<]!].Y/8 GM18
MVGV2WVL_F2N2\LF,;W/4_P! .P ':@6F[4#=2ONVILA3'"9^\?<GC\![G-F@
M HHHH **** "BBB@ HHJAJVLV&BVPGOIPF\[8XU!:25O[J*.6/L* +]<]=^(
M9KJYDT_P];K>W<;;)KASBVMCWW,/O,/[B\^NWK41T_5?$OS:J9=-TL]-/AD
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M-<_L2T2583.Y;<T:JS$1+R[84$\#\,D9JE+XTLXKR2$VTS1QMCS59&##Y>0
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M[  #W)IK75NC,K3Q*53>P+@87U/M[T 2UGP_\C#>?]>D'_H<U7A(C.R!U+J
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M._D(?]9[.?D[C?TI\>@76KSBZ\2RQS(K!HM,A)-M$1T+Y ,K>[ *.R@C-=&
M   , =J ,W2="LM&65K=7DN9R&GNIFWS3'U9N_L. .P%:5%% !1110 4444
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M^=NWR4SM]MV[IWS0!JT444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M]?\ &D.MZ2!DZG9X_P"NZ_XT 7Z*H#6])(!&IV1![^>O^-+_ &UI7_03L_\
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944 %%%% !1110 4444 %%%% !1110!__V0$!

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