Three new investment opportunities from Citibank with 18month tenor
and 100% capital protection.

Athens, November 25, 2005

Citibank offers the three new Structured Notes, DJ Eurostoxx 50 II Note in USD, NIKKEI 225 III Note in EUR and NIKKEI 225 Barrier II in GBP until 30th November. The three new Structured Notes offer 100% capital protection by the issuer1 at maturity and the option of investing in three core currencies. Their return is linked with the performance of the NIKKEI 225 and DJ Eurostoxx 50 equity indices for the 18 months tenor of the product. The Notes offer the opportunity to participate in the appreciation of these top European and Asian indices.

The new Structured Notes suit investors who look for greater returns than the ones offered by time deposits and are an investment solution for those who aim at increasing their capital while investing short term in international markets, without risking a loss of their initial capital at maturity of the tenor.