Citibank offers two new short-term investment offers.

Athens, January 17, 2006

Citibank offers in January two more alternative investment offers, the Structured Notes FTSE 100 Index Notes and CitiSmart Dow Jones Eurostoxx 50, both in US Dollars. More specifically, the Structured Notes FTSE 100 Index Notes with 18 months duration will be available until 25th January. They are linked to the leading stock exchange index of the British economy, FTSE 100, providing for the first time the opportunity to enter the British equity market and adding yet another investment offer to Citibank’s portfolio. Moreover, the issuer, Lehman Brothers Treasury Co B.V provides 100% capital protection at maturity, while the considerable high participation factor of 60% in the appreciation of FTSE 100 constitutes another advantage of the product. Finally, as all Structured Notes, the FTSE 100 Index Notes have potential for higher performance compared to time deposits in US Dollars at the same period of time.

Moreover, Citibank offers one more six-month CitiSmart Dow Jones EuroStoxx 50 ΧΙΙ in US Dollars, until 20th January, which provides 100% capital guarantee at maturity and is linked to Dow Jones EuroStoxx 50 index. The new CitiSmart has again a short tenor of 6 months and offers potentially good returns, as the previous products of the CitiSmart product line.