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  "Citi Private Bank" is a business of Citigroup Inc. ("Citigroup"), which provides its clients access to a broad array of products and services available through bank and non-bank affiliates. Not all products and services are provided by all affiliates or are available at all locations. All credit products are subject to credit approval. Neither Citigroup nor any of its affiliates offers tax or legal advice. In the U.S., brokerage services and securities products are provided by Citigroup Global Markets Inc. ("CGMI"), member SIPC and an affiliate of Citibank, N.A. Outside the U.S., brokerage services may be provided by other Citigroup affiliates. Investment management services (including portfolio management) are available through CGMI, Citibank, N.A. and other affiliated advisory businesses.  
     
 
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