New Investment Tools in Citibank Online

Important information:

Bank Handlowy w Warszawie S.A. Citi and Citi Handlowy are registered trademarks of Citigroup Inc. Citigroup Inc. and its subsidiaries also hold rights to certain other trademarks used here.

Investment products and unit-linked insurance products are available solely for holders of a personal account with Bank Handlowy w Warszawie S.A. The products are not available for the U.S. citizens.

Investment products and unit-linked insurance products (“Products”) are not a deposit, obligation nor are guaranteed by Bank Handlowy w Warszawie S.A. or by any of Citigroup subsidiaries or affiliates, except for the investment products issued or guaranteed by Bank Handlowy w Warszawie S.A. or a subsidiary or affiliate of Citigroup. For investment products, capital protection and/or an interest guarantee scheme, if applicable, is the responsibility of the issuer of a given investment product. Products bear investment risk, including the possibility of losing invested capital. Upon taking a decision to purchase or sell an investment product, customer should take into account the existing risk which stems from taking an investment decision, and in particular the possibility of a change in prices of financial instruments covered by that decision contrary to the customer's expectations and, consequently, a possible failure of attaining the profit that was assumed by the customer. The past performance of investment funds, investment portfolios and the levels of stock market indices and foreign exchange rates as well as insurance capital funds, which affect returns on investment, are no guarantee of their future profits.

The investment and investment-linked insurance products offered by Bank Handlowy w Warszawie S.A. are not guaranteed by the State Treasury, the Bank Guarantee Fund (except for the receivables from deposit certificates and dual currency investments subject to obligatory monetary fund guarantee scheme according to the Act on Banking Guarantee Fund, deposit guarantee scheme and obligatory restructuring dated June 10, 2016) nor by any other government institution.Amounts receivable from an insurance agreement are secured by the Insurance Guarantee Fund in the scope referred to in the Act on obligatory insurance, Insurance Guarantee Fund and Polish Motor insurers’ Bureau dated May 22, 2003. This means that if the Insurer becomes insolvent in the cases as defined under the above Act, the Insurance Guarantee Fund shall cover in part the claims of beneficiaries under the life insurance contracts, in the amount of 50% of the claims but not more than up to the Polish zloty equivalent of EUR 30 000.00.

Bank Handlowy w Warszawie S.A. ahs been entered into the register of the investment agents maintained by the Polish Financial Supervision Authority and acts as an agent of DMBH. Citi Handlowy provides brokerage services to the extent of accepting and transferring of the security buy or sell orders based on the license of the Polish Financial Supervision Authority No. DFL/4040/18/I/11/1/2007/26 dated Nov 13th, 2007.

The Bank acts as insurance agent for numerous insurers, performing agency activities for Insurance Companies entered into the register of insurance agents maintained by the Polish Financial Supervision Authority. The Customer may verify the Bank’s entry in that register, by submitting the relevant request to the Polish Financial Supervision Authority, in particular in written form or by telephone. The range of Bank’s duties includes, in particular, providing information to the Policyholders on the terms and conditions for insurance and on the terms under which insurance contract is concluded.

Money paid in for the insurance is not a bank deposit, are not guaranteed by the State Treasury nor by any other governmental institutions, except for amounts receivable from the life insurance contract that are guaranteed by the Insurance Guarantee Fund if the insurer becomes insolvent in the amount of 50% of the claims of beneficiaries but not more than up to the Polish zloty equivalent of EUR 30 000.00. Unit-linked insurance product is not an obligation nor is it guaranteed by the bank or any of its subsidiaries or affiliates. Attaining the profits is not guaranteed by the bank nor by the insurer.

The Bank, during the processes of sale and handling of insurance, follows the principles set out in the “Recommended best practices in the Polish bancassurance market for unit-linked insurance products” issued by the Polish Bank Association in cooperation with the Polish Insurance Chamber.

All information contained in this presentation are for information purposes only and does not constitute an offer or solicitation of an offer to place investment orders or make investments in the meaning of the Civil Code.