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In addition to investment and mortgage services, we have a broad array of other products and services that can address your financial and personal needs. Our premium services offer access to a wide variety of advisory practices, from trust services to family services and art advisory services. We also feature a variety of financing alternatives as well as comprehensive banking services to meet your particular and overall needs.

PREMIUM SERVICES

As a busy attorney, you have many responsibilities but not much time. Your Private Banker is your key to the invaluable resources within Citi, including:

Citi Trust offers a full range of trust and investment services to meet the sophisticated needs of affluent individuals and families. With roots dating back to 1822, and a breadth and depth of resources, Citi Trust is uniquely qualified to assist you with preserving and transferring wealth.

Financial Planning Services understands how financial requirements change as attorneys' careers evolve. Allow our in-house financial planners to effectively plan the growth of both the personal and professional areas of your life.

Family Advisory Practice provides access to professional advice on inheritance, succession planning, charitable giving, issues of family unity, raising children amid affluence and other wealth and lifestyle issues.

Art Advisory Services. Highly skilled art experts are available to assist you with all aspects of your private collections including buying, selling, bidding, negotiating, insuring, shipping and art finance.

CREDIT FACILITIES

The Law Firm Group of Citi Private Bank has a long history of providing financial services to the legal community. We recognize that law firm partners have unique credit requirements arising from uneven income streams, capital contributions, tax payments and other obligations. To accommodate those needs we offer a variety of financing alternatives, including lines of credit and loans.Our lines of credit include:

• Unsecured working capital for short-term needs
• Ready Credit(R) revolving line, minimum $25,000 up to $100,000
• Tailored lines between $100,000 and $500,000

• Capital Loans fund your capital contribution to your firm. We provide flexible repayment terms*, including up to seven years to repay principal and interest-only periods
• Term Loans. Tailored facilities to fund personal expenses or investments, including up to five years to repay principal
  

BANKING SERVICES

As a client of Citi Private Bank Law Firm Group, you will receive an integrated package of banking services, including a checking account, an interest-bearing money market deposit account, a credit card and basic brokerage. These services may be accessed 24/7 via phone or the Internet. Citi's secure, password-protected client Web site allows you to manage and transfer funds safely, securely and easily. It's also designed to provide daily account, news and market information to keep you current. Citibank, N.A.'s online services were voted:

• A Forbes favorite in online banking in 1999, 2000, & 2001
• Best Online Service Offered by a Major Bank in a survey of 4000 readers by Worth magazine, September 2000

Citibank, NA
Member FDIC

*Loan program terms are negotiated on a firm-by-firm basis. Banking services are available through Citibank, N.A., member FDIC. All credit services are subject to credit approval.