1. A market leader in serving globally-minded corporations and their employees Citi at Work is an Employee Banking program available in the United States and over 35 countries worldwide. Designed for corporations, the U.S. Citi at Work program looks after the financial needs of U.S. employees, providing them with the opportunity to enjoy a full suite of banking products and services, the convenience of easy access, and the means to improve their financial knowledge at their workplace Citi at Work with County of Alameda

2. Description/Cost Savings (when minimum requirements are met) Checking Benefits No monthly checking service fees (Value: $20/mo. for Citibank Account; $30/mo. Citigold) Savings & Discounts Free first order of standard checks No Citibank Fee for Using Non-Citibank ATMs ($2.00/transaction) 3 Fees waived for stop payment requests, standard check orders, traveler checks, copy of canceled checks and safe deposit boxes up to $125 No-fee Citibank ® Debit Cards – there is no monthly fee for using your debit card Credit Benefits Mortgage discount (Choose between closing costs credits or mortgage rate reduction) 4 Mortgage discount ($500 off closing costs) 5 Rate discounts on Personal Loans, Custom Credit Line and Home Equity Loans and Lines of Credit 6 Financial Education Complimentary Financial Education Seminars Citibank ® Account Direct Deposit required 2 Citigold ® $50,000 in Combined Accounts 1 Terms, conditions and fees for accounts, products, programs and services are subject to change. 1.Minimum requirements to quality for Citigold include, $50,000 in combined average monthly deposit balances including retirement accounts; $100,000 in combined deposit, investment, Citi Credit Card, and loan balances, excluding 1st mortgage. Citigold Account. Package is subject to standard account terms and conditions, including balance requirements to avoid fees. Ask for details. 2.The Citibank Account Package (Regular Checking account) is free of monthly service fees and non-Citibank ATM fees as long as you have monthly direct deposit to the account. This is a benefit for employees of a company in the Citi at Work program. Otherwise a monthly service fee of $20.00, and a $2.00 non-Citibank ATM fee, will be charged when minimum balance requirements are not met. Charges for other account-related services apply. The terms and conditions of accounts, products, programs and services are subject to change. 3, Fees charged to you by other institutions for your transactions at non-Citibank ATMs are beyond Citibank’s control. 4.Discount is tiered and based on client’s relationship balance with the bank. Additional terms and conditions apply. Ask for details. Subject to loan approval.. 5.Subject to credit and property approval. The $500 Credit at Closing, effective 7/1/13, may not be applied to the application fee. It may be applied to closing costs for the loan which include (1) appraisal fee and (2) customary third-party and government closing costs. 6.Subject to credit approval. Discounts, savings and offers designed for your employees

3. ● $750 credit towards closing costs for Citibank Account offer 1 ● Citigold members can choose between closing costs credits and mortgage rate reduction 2 ● Individualized mortgage and pre-decision counseling ● $1500 On-time Closing Guarantee on home purchases 3 If we do not close when we say we will, the borrower receives $1,500 credit at closing Advice. Low Rates. Support. The goal of Citibank Mortgage is to help make the mortgage process easy and worry-free and assist in making homeownership dreams come true for your employees and their families. Mortgage Benefit Discounts and expert advice throughout the process ● Multiple mortgage options Fixed and adjustable rate options FHA and VA First-time Homebuyer programs Jumbo loans up to $3 million Combination First and Second mortgage options Second homes and investment properties ● Comprehensive tools and resources ● Complimentary financial education on home financing and other topics Terms, conditions and fees for accounts, products, programs and services are subject to change 1.$500 credit, effective 7/1/13, at closing cannot be combined with other closing cost offers. 2.Citigold clients can choose between closing costs credits or mortgage rate reduction. Discount is tiered and based on client’s relationship balance with the bank. 3.If you are purchasing a home we guarantee to close by the date specified in your purchase contract, unless prohibited by law, and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank Mortgage, you will receive a credit towards closing costs of $1,500. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending loans, and government loans. In Texas, the credit may not result in you receiving cash back. Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3 business day waiting period. * Offers available to clients with a Citigold® account and with assets in Citibank domestic and global deposits, or in combination with Citi Personal Wealth Management account investments after closing. Assets from business accounts and Morgan Stanley Smith Barney accounts are excluded. The required minimum funds must be in the qualifying accounts 10 days prior to loan closing. Customers must sign up for automated monthly debit of the mortgage payment from a Citibank account at loan closing. Citi at Work Account Type Relationship Balances Requirement Mortgage Incentive Citibank Account Package Citigold $500 off Closing costs 0 - $50K$500 off Closing costs $50K - $250K$1,000 off Closing costs $250K - $750K0.125% off rate/or $1,500 Closing costs $750K - $1MM0.25% off rate/or $2,000 Closing costs $1MM+0.375% off rate/or $2,500 Closing costs

4. Preferred rates, fee waivers and discounts on many products, services and transactions Exclusive Benefits* Citigold ® Ability to earn the highest number of ThankYou ® Rewards points Worldwide recognition of Citigold status INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NO BANK GUARANTEE MAY LOSE VALUE * Requires a Citigold Account Package. Terms, conditions and fees apply and are subject to change. Speak with a Citibank Personal Banker for details. A Premium Banking and Wealth Management Experience for Senior Employees The Citigold ® relationship gives your senior and executive employees an easier, smarter way to manage their banking, lending and investing needs.

5. Relationship Rewards Citi ThankYou ® Rewards ● Earn rewards for your banking relationship redeemable for gift cards, electronics, tickets on any airline and lots more. ● Enroll your checking account in Citi ThankYou ® Rewards and you can earn ThankYou ® Points for eligible linked products and services 1. All you need to do is make sure you have at least 1 Direct Deposit AND 1 Bill Payment 2 in your enrolled checking account each statement period. To enroll or learn more visit www.citibank.com/thankyou.www.citibank.com/thankyou. ● If you have a Citi ThankYou ® Rewards credit card- ThankYou ® Points from your credit card and banking relationship can be combined, so your points balance will add up even faster, and you can get the rewards you want. Employees of Citi at Work companies have access to many great rewards programs when they bank with Citi 1.Separate enrollment of eligible checking account in Citi ThankYou® Rewards required. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. taxpayer identification number. Taxes, if any, are customer’s responsibility. You must complete 1 Bill Payment and 1 Direct Deposit each statement period in order to earn monthly ThankYou® Points for eligible products and services linked to your checking account. Citigold® and Citi Private Bank clients who do not complete these transaction requirements can earn points at a reduced level. 2.Qualifying bill payments are those using Citibank® Online, CitiMobile SM or CitiPhone Banking®. A bill that is paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts with Citibank affiliates does not qualify as a bill payment..

6. Financial Education Topics Credit Management Home Buying Expense Management Strategies for Paying for College Investments Investing for Your Future Retirement Reclaim Your Retirement Keeping in line with Citi’s commitment to financial education, Citi at Work provides access to a superior array of financial education seminars Delivery Channels In-Person Seminars Live Webinars Recorded Webinars through the Financial Education Center on citiatwork.com Citibank Mortgage INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NO BANK GUARANTEE MAY LOSE VALUE

8. U.S. Branch Footprint Citibank, N.A. has over 1,000 branches located in six major markets and gives you access to over 30,000 fee-free ATMs 1 Nationwide. ILLINOIS 73 Branches Metro Chicago NORTHEAST 343 Branches Tri-State NY/NJ/CT Philadelphia Boston MID-ATLANTIC 43 Branches Maryland/Virginia Metro D.C. Delaware FLORIDA 50 Branches Miami WEST COAST 391 Branches California Nevada TEXAS 102 Branches Houston Dallas San Antonio / Austin North Texas West Texas 1. Get cash, get information and transfer balances between eligible linked Citibank accounts with no usage fee when you use your Citibank ATM or Debit Card at ATMs at Citibank branches and Citibank-branded ATMS at other locations. Not all ATMs owned or operated by Citibank. Not all functions available at all ATMs

9. Remote Access Citibank ® Online ● Your employees can manage their money 24 hours a day, 7 days a week using Citibank ® Online ● Customers can pay bills and view account activity, including linked credit cards, mortgages and loans ● Transfer funds online between accounts at Citibank and accounts at other US financial institutions ● Global Transfer Service - Transfer funds in real-time to Citibank accounts in select countries around the world, with no transfer fees Citibank ® Online lets you take care of business without leaving the house (or even your pajamas). Pay bills, view account activity, make transfers, send wires and more.

10. Remote Access iPhone® and iPod touch® are registered trademarks of Apple Inc. App Store is a service mark of Apple, Inc. Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions Citi Mobile SM ● Citi Mobile Apps are downloads that let customers manage their Citibank ® and Citi ® credit card accounts on their Android™, iPhone ® or iPod touch ® device ● Citi Mobile for Smartphones lets customers with most any smartphone manage their Citibank ® deposit accounts by launching their mobile browser and going to citi.com ● Citi ® Text Banking sends instant updates on all Citi accounts-- customers just text a short command (like BAL) to 692484 (MYCITI) after enrolling 1 Whether you're on the go—or on the couch— Citibank's free 1 mobile and tablet banking services let you check account balances, pay bills, and transfer funds anytime, anywhere. 1. Citi does not charge you for using Citi Mobile SM or Citi Text Banking. However, you must have a web-enable phone to use Citi Mobile, and your wireless carrier may charge a service fee. Check with your carrier for details.

11. Remote Access 7-ELEVEN® is a registered trademark of 7-Eleven, Inc. MoneyPass® is a registered trademark of U.S. Bank National Association. Publix® is a registered trademark of Publix Asset Management Company. ATMs ● 30,000 fee-free ATMs nationwide located at Citibank branches, 7-ELEVEN ® Stores, MoneyPass ® ATMs and Publix ® Super Market 1 ● Citi at Work can provide you a low cost employee benefit with a Surcharge Free ATM at corporate locations of your choosing providing employees convenience whenever your sites are open ● Global Transfer Service - Using Citibank ATMs, customers can transfer funds to Citibank accounts in select countries with no transfer fees Whether you’re going across town or crossing a time zone, your cash is always nearby. 1. Get cash, get information and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank® ATM or Debit Card at ATMs in Citibank branches, 7-Eleven, Publix, MoneyPass and Citibank branded ATMS at other locations. Not all ATMs owned or operated by Citibank, and not all functions available at all ATMs.

12. Legal Page 1. Citigold provides its clients access to enhanced levels of services and benefits from Citibank, N.A. (“Citibank”) and its affiliates i n the U.S. Citibank provides banking and lending services, including the Citigold Account package. Citi Personal Wealth Management, a business of Citigroup Inc., offers investment products through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citigold Relationship Managers and Private Client Relationship Managers are employees of Citibank, N.A. and are employees and registered representatives of CGMI. Citibank, CGMI and CLA are affiliated companies under the common control of Citigroup Inc. Citi, Citi with Arc Design, and Citigold are registered service marks of Citigroup Inc. © 2012 Citigroup Inc. Citi, Citibank, Citibank with Arc Design, CitiBusiness, Citigold, Citi Private Pass, Women & Co., Citi ThankYou and ThankYou are registered service marks of Citigroup Inc. The Citibank Debit Card is issued by Citibank, N.A. Member FDIC.

13. Important Information 1- As further described in the offering documents, an investment in alternative investments can be highly illiquid, speculative and not suitable for all investors. Investing in alternative investments is for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment and its potential for loss of the entire investment, lack of liquidity, high fees and complex tax structure. Investors should carefully review and consider potential risks before investing. Individual funds will have specific risks related to their investment programs that will vary from fund to fund. 2- There are attendant risks associated with structured products, which may include loss of principal and the possibility that at expiration the investor will own the reference asset at a depressed price. The creditworthiness of the issuer does not affect or enhance the likely performance of the investment other than the ability of the issuer to meet its obligations. These may not have an active or liquid trading market in which an investor may sell this investment product, and therefore it may have to be held until maturity. Structured notes may be affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk. 3- Remember, when investing in mutual funds or exchange-traded funds, please consider the investment objectives, risks, charges and expenses associated with the funds before investing. You may obtain the appropriate fund’s prospectus by contacting a Financial Advisor. The prospectus contains this and other information, which should be carefully read before investing. 4- Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk. Interest may be subject to the federal Alternative Minimum Tax. The information provided here is for informational purposes only. It is not an offer to buy or sell any of the securities, insurance products, investments or other products named. Individual clients should review with their advisors the terms and conditions and risks involved with specific products or services. Terms, conditions and fees of accounts, products, programs and services are subject to change. Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. Asset allocation and diversification do not ensure a profit or protect against loss. Investments are subject to market risk, fluctuation in value and possible loss of principal. Borrowing may not be suitable for everyone. ©2012 Citigold provides access to enhanced levels of services and benefits from Citibank, N.A. (“Citibank”) and its affiliates in the U.S. Citibank provides banking and lending services, including the Citigold Account package. Citi Personal Wealth Management, a business of Citigroup Inc., offers investment products through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citigold Relationship Managers and Private Client Relationship Managers are employees of Citibank, N.A. and are employees and registered representatives of CGMI. Citibank, CGMI and CLA are affiliated companies under the common control of Citigroup Inc. Citi, Citi with Arc Design, Citibank, and Citigold are registered service marks of Citigroup Inc. The Gold Conversation is a service mark of Citigroup Inc.