Arrive in Brazil. Feel at home.

Índice

Introduction

FirstSteps

AccessChannels

ProductsandServices

1.

2.

3.

4.

Introduction

Beinginadifferentcountrycanbeaveryspecialexperience.Especiallywhenyouhavebyyoursideabankpresentinmorethan120countries,acquaintedwiththemostdiversecultures.

Consideringthis,wheneveryouneed,getintouchwithCitibank.OurRelationshipManagerswillbeatyourdisposaltoansweryourquestions,toprovideinformationonyourcheckingaccountandmuchmore.

Moreover,ourproductsandservicesaregoingtofacilitateyourpurchasesandtransactions,bringingevenmoretranquilitytoyourdailylife.

Inthiswebsite,youwillgettoknowthemainadvantagesofbeingaCitibankClient.Have a nice reading.

Welcometoaglobalbank.WelcometoCitibank.

Checkwhicharethefirststepstouseyourcheckingaccount.

First Steps

PeríodoPeriodWhat are you

going to receiveWhat to do after

the receipt

In up to 5 daysafter opening thechecking account.

1 to 3 days afteropening your

checking account.

Your CitiPhoneBanking password.

You can choose to change the password to one of your choice.

Call the CitiPhone Banking using the

password you received and request

the change.

Call the CitiPhone Banking and request

a copy.

Call the CitiPhone Banking or your

RelationshipManager and request

a copy.

Wait the receipt of your Citibank

Banking Card in the Welcome Kit.

Your Citibank Banking Card password

(debit card).

For your security, the Citibank Banking

Card and the checkbook are sent blocked.

Call the CitiPhone Banking and request

to unblock it. To unblock the card you should have it

at hand.

Your Welcome Kitwith your Citibank Banking Card andyour checkbook.

What to do incase you do not

receive it

Access Channels

Everythingthatcanfacilitateyourlifedeservesaspecialattention.Havingthisinmind,wecreatedtheCitibankAccessChannels.

Gettoknowthechannelswhereyoucanaskquestions,suggestionsandmanageyourcheckingaccount.

CitibankOnlineisourInternetBanking.Wheneveryouaccessthewebsite,youcandoyourfinancialtransactionsinaneasyandsimpleway,withoutlosingtime,withallthesecurityandcomfortyoudeserve.

Youcancheckbalancesandstatements;makepaymentsandtransferswiththereceiptsentviaemail;requestloans;registerandcheckDirectDebt;openinvestmentandsavingsfunds,invest,redeem,registertoreceiveyourstatementviaemailandmuchmore.

ToregisterinCitibankOnline,accesscitibank.com.brandfollowtheinstructionsbellow:

Clickintheoption“Primeiroacesso?Cadastre-se”.

Readthetermsandconditionsandconfirmyouradhesion.

InformyourCitibankBankingCard(debitcard)numberandyourpassword(thecodethatyouuseatATM).

CitibankOnline

Createyourusernameandyourinternetpassword.

Registertheemailinwhichyouwishtoreceiveyourstatement(CitiMailBanking)anddefinetheperiodicityandtheinformationcontentyouwishtoreceive.

Youareprotectedbyoneofthemostmodernsecurityresources:theElectronicCode,apasswordthatyoureceivedirectlyinyourmobile,viaSMS,toconfirmsomeinternet

transactions.

Special Hours: payments and DOCs [wire transfers]up to 9 p.m. TEDs [wire transfer of more than R$

2,999.99]

For security reasons, the first access to your account will be blocked. Please contact CitiPhone Banking and

request to unblock it.

My RelationshipWelcomingpagewithconsolidatedinformationofyourcheckingaccount.

Statements and BalancesViewyourstatements,resourcesallocations,futureentriesandincomereport.

TransfersMaketransfersbetweenCitibankaccountsandalsotootherbanks.

PaymentsMakeorschedulepaymentsofyourbills,Detran(SP)servicesandelectronicbills(DDA).HereyoucanalsoregisteryourbillsasDirectDebit.

LoansSimulateandrequestyourCitiCréditoAutomático*[AutomaticCredit].

CitibankOnlinemainservices

Investments and SavingsEnablestoopeninvestmentfundsandsavings,applications,redeems,consultationsandmuchmore.

Online ServicesEnablesyoutochangeyourinternetpassword,toregisterinseveralservicesandtosetyourpreferences.

Credit CardsEnablesyoutocheckthecurrentinvoiceorfrompreviousmonths,toredeempointsandbonuses,tochangeorreissuethecreditcardpassword.

Email StatementRegisterandreceivethestatementofyourcheckingaccountviaemail.

Youcandothemainbankingoperationsoverthetelephone,24hoursaday,7daysaweek.

Justcall4004-2484(ifyouareinSãoPauloorRiodeJaneiro)or0800 701 2484(ifyouareinanotherlocation).ForEnglishservice,selecttheoption1.

Tousethisservice,itisnecessarytohaveathandstheaccesspasswordtoCitiPhoneBanking.

TheCitibankbranchesnetworkstrategicallycoversthecountry.

CitiPhoneBanking

CitibankBranches

Clique here to check the closest branch to you.

ATMs

CheckbellowthedifferencesbetweenCitibankATM,Banco24HorasandInterconnectedNetwork;

Citibank ATM

-256pointsalloverBrazil.

-Availabletransactions:Withdrawal,BalanceandStatementInquiry,PaymentofBillsandLoanRequest(CitiCréditoAutomático*).

Banco24Horas

-8.5thousandpointsofserviceinBrazil.

-Availabletransactions:Withdrawal,BalanceandStatementInquiry,LoanRequest(CitiCréditoAutomático)andPaymentofUtilityBillsandTaxesofMunicipalGovernmentsassociatedwithCitibank.

-Itispossibletopayutilityconsumptionbills,taxeswithmunicipalgovernmentbarcodeandbankpaymentslipuptothepaymentdate.

Interconnected network

-Morethan30.000pointsofservice.

-Availabletransactions:WithdrawalandBalanceandStatement.

Click here to check the Banco24Horas ATMs locations.

Citibankoffersseveralsolutionstomakeyourlifeeasier.

Gettoknowallofthemandremember:theyareatyourdisposalwheneveryouneed.

Servicesandproductsdesignedtomakeyourdailylifeeasier.

Products and Services

CitibankBankingCard(DebitCard)AfterreceivingandunblockingyourCitibankBankingCard,youcanuseittomakewithdrawalsandpurchasesdebiteddirectlyinyourcheckingaccount.

InBrazil,thewithdrawalscanbemadeinover36thousandATMsofBanco24Horasnetwork,oftheInterconnectedNetwork(withdrawalsinATMsofotherbanks)andCitibankATMs.

AbroadyoucanmakewithdrawalsinlocalcurrencyusingCirrus®,NyceandStarnetworksandpurchaseinover120countries,debiteddirectlyinyourcheckingaccount,usingtheMaestro®brandedcards.

YoustillhavetheoptiontohiretheCitibankBankingCardProtectioninsurance,whichprotectsyourcardfromtheft,stealingorwithdrawalundercoercion.

CheckbookThecheckcanbeusedtomakepaymentsininstallmentsorincash,accordingtoyourchoiceandwiththeestablishmentpolicy.

Foryoursecurity,thecheckbookissentblocked.CallCitiPhone Bankingoraccesscitibank.com.brtorequesttheunblocking.

Checkhowtofilloutyourcheckbook:

Numbers

R$ 109,00Centoenovereais

R$ 288,00Duzentoseoitentaeoitoreais

R$ 1.345,00Miltrezentosequarentaecincoreais

11

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- onze

- doze

- treze

- catorze

- quinze

- dezesseis

- dezessete

- dezoito

- dezenove

- vinte

- vinte e um

- trinta

- quarenta

- cinquenta

- sessenta

- setenta

- oitenta

- noventa

- cem

- cento e um

- duzentos

- trezentos

- quatrocentos

- quinhentos

- seiscentos

- setecentos

- oitocentos

- novecentos

- mil

- mil e um

200

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1.000

1.001

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- um

- dois

- três

- quatro

- cinco

- seis

- sete

- oito

- nove

- dez

R$ 15,00Quinzereais

R$ 52,00Cinquentaedoisreais

R$ 77,00Setentaesetereais

Writing the total

Mil duzentos e cinquenta reais

John Sample

1.250,00

São Paulo 23 dezembro 2011

Totalinnumbers

Writeinfullthetotalvalueofthecheck

Day,monthandyear

Signature

Recipient’sname

Writing the date (city, month and year) Months

Citywherethecheckwasfilledout

Janeiro/January

Fevereiro/February

Março/March

Abril/April

Maio/May

Junho/June

SãoPaulo,22deagostode2011

BeloHorizonte,19deabrilde2011

Campinas,30demarçode2011

RiodeJaneiro,2defevereirode2011

PortoAlegre,10dedezembrode2011

Curitiba,14desetembrode2011

Julho/July

Agosto/August

Setembro/September

Outubro/October

Novembro/November

Dezembro/December

Checkthestep-by-stepprocessofhowtounblockyourcheckbookusingCitibankOnline:

Automaticsendingofcheckbooks

Youcanreceiveyourcheckbooksattheaddressofyourchoice.YoujusthavetorequesttheserviceinCitibankOnline:atcitibank.com.brorviaCitiPhone Banking.

1 -Afterloggingin,clickonOnlineServices.

2 - ClickontheUnblockingCheckbookoption.

3 -Selectthecheckbookyouwishtounblockaccordingtotheinitialandfinalnumbers*.

4 -Toconfirmtheunblocking,typeinyourkeyboardtheletterscorrespondingtothepasswordofyourCitibankBankingCard(debitcard).

5 -That’sit!Yourcheckbookhasbeenunblockedandyoucanalreadyuseit!

Transferbetweenaccountsinthecountry

YoucanusethewiretransfertotransferamountsbetweenBrazilianbanks.

To make a TED - Wire transfer of immediately available funds-theamounttobetransferredshallbeequalormorethanR$2,999.99.Iftheamountislessthanthat,makeaDOC–Wiretransfer.

ThesetwooptionscanbeoftypeC(transferbetweenaccountswithdifferentownership)orD(transferbetweenaccountswiththesameownership).Toconcludethetransfers,youjusthavetoinformtherecipient’sdata:fullname,CPF[IndividualTaxpayer’sRegistry],bankandcheckingaccountdata.

IMPORTANT:WhenmakingaTED,theamountiscreditedinthedestinationbankonthesameday,whilewhenmaking

aDOC,itisonlycreditedonthenextbusinessday.

Tosendorreceiveresourcesfrom/toabroad,youcanusethePaymentOrder*,availableinUSdollars,Euros,BritishPounds,Yens,Swedishkrona,NorwegianandDanishkroner,SwissFranc,CanadiandollarsandAustraliandollars.

ForordersofuptoU$3,000.00*,youjusthavetocalltheCitiPhoneBankingoryourRelationshipManager.IftheamountisoverU$3,000.00,pleasecontactyourRelationshipManager.

Transfertoaccountsoutsidethecountry

Managingyouraccount

YoucanfollowthebalanceandstatementofyourcheckingaccountthroughtheCitiPhone Banking, Citibank Online or through the consolidated statement.Thislastoptioncanbesentbyemailortothechosenaddress.

CourierService

RentingVault

Youhaveatyourdisposaldifferentvaultsizestokeepdocuments,valuesandgeneralobjects.Thevault*rentingserviceisavailableinbranchesPaulista(SãoPaulo)andAssembleia(RiodeJaneiro).The access is allowed only during bank business hours.

Whenyoudonotwanttoorcannotgotothebranch,youcanrequestacouriertocollectdepositsandpayments*.This request should be made via CitiPhone Banking.

Clickon“Pagamentos”andchoosetheoption“CadastramentodeDébitoAutomáticoemConta”

DAC(DirectDebit)

ItisaservicethatCitibankmakesavailablesoyoucanregisteryourutilitybills(water,power,gasandtelephonebills)sothattheamountofthebillscanbemonthlydeducteddirectfromyouraccountalwaysontheirduedate.

ToregisteryourbillsinDirectDebit,itisnecessarytoobservethelistofassociatedutilitycompaniesandrequesttheregistrationthroughaCitibankbranch,CitiPhone Banking or citibank.com.br

Check how it is easy to enroll your payments:

Choosetheutilityyouwish.

Typeinthereferencenumberofthebill.

TypeinthepasswordofyourCitibankBankingCard.

That’sit!YourbillisalreadyregisteredasaDirectDebit

Onthe“Pagamentos”menu,clickontheoption“PagarouAgendarFichasdeCompensação”.

PaymentofBills

WithCitibankyouhavemorecomforttopayyourwater,power,gas,andotherbills,totop-upyourcellphone,toschedulepaymentsandmuchmoreusingthefollowingchannels:Citibank branches, CitiPhone Banking, ATMs and Citibank Online – citibank.com.br

Check how it is easy to make your payments in Citibank Online:

Typeinthebarcodeofthebillandinformtheassignor.

Typeinthedateandtheamountofthepayment,draweeanddescription.

TypeinthepasswordofyourCitibankBankingCard.

That’sit!Yourpaymenthasbeensuccessfullyscheduled.

ElectronicStatement(CitiMailBanking)

Youcaneasilyaccessyourfinancialinformationwhenandwhereveryouwant.YoujusthavetocreateasubjecttoidentifytheemailandapasswordtoopenthefilessentbyCitibank.Thus,youwillreceivetheinformationyouwantwithallthesecrecynecessary.Youcanchosetheinformationyouwishtoreceive,aswellastheperiodicity–daily,weeklyormonthly.

Clickon“ExtratoporE-mail”andcreateyourpasswordtoopentheemail.

Createasubjecttoidentifytheemail,selecttheinformationyouwishtoreceiveandtheperiodicity.

That’sit!Fromnowonyouwillreceiveyourstatementviaemail.

CitiPhone Banking: questions, suggestions, complaints and cancellations.SP and RJ (capitals) 4004 2464. Other Locations 0800 701 2484.Every day, 24 hours a day.

SAC Citi: Customer Support Service: complaints, cancellations and information 0800 797 2484 (hearing impaired - 0800 727 2484).Every day, 24 hours a day.

In case you are not pleased with the solution offered, with yourprotocol in hand, contact our Ombudsman at: 0800 970 2484(hearing impaired - 0800 722 2484). Working days from 9 a.m. to 6 p.m.

Contact us: citibank.com.br

Ifyouneedanyfurtherinformation,pleasecallCitiPhoneBankingat:

SPeRJ(Capitalcities)4004 2484Othercities0800 701 2484ForBankingAccountinEnglish,press1.

citibank.com.br