CititDirect® Online Banking

CitiDirect® Online Banking is Citibank's new online customer access and global delivery channel. Over the next year CitiDirect® Online Banking will replace most of the Global Corporate Bank's existing electronic banking platforms, including Citibanking and other customer delivery systems. CitiDirect® Online Banking offers seamless, efficient and secure worldwide access to the Corporate Bank's entire portfolio of transaction products and services. This includes cash, trade, securities and foreign exchange services.

CitiDirect® Online Banking is not a product in and of itself, but a new and improved delivery system for Citibank's services. Our competitive advantage does not rely on new technological solutions such as CitiDirect® Online Banking rather it remains rooted, as it always has been, in how we serve our customers. Our strong commitment to customer service, combined with our quality initiative, is targeted at delivering total customer satisfaction. Consequently, CitiDirect® Online Banking as a delivery system will be referenced as a component of the product/solution discussion we have with customers -- keeping our emphasis on the excellence of our global products and services, our global network and our local expertise.

CitiDirect® Online Banking is a browser-based (Internet Explorer 5.0 or above) customer access channel with state-of-the-art security that includes encryption, access management and integrity of the data, as well as user authentication. CitiDirect® Online Banking has been developed using Internet technology combined with the most robust security features available in the marketplace. By employing a four-tier approach to security, CitiDirect® Online Banking makes sure our customers' transactions are secure in every step of the way.

The Benefits of CitiDirect® Online Banking

CitiDirect® Online Banking gives us the opportunity to take our electronic banking services to a new level, using Internet technology and enhanced security. CitiDirect® Online Banking is a sophisticated, user-centered interface offering customers global access, uniform client software, enhanced, customized reporting capabilities and online technical and customer services support. Benefits to our customers will include:

• A standardized, integrated means of sharing information with Citibank®
• Simplified easy-to-use self-installation (no LAN installs required)
• Easy account-opening and expansion of customer services
• Customer centric design and easy-to-use, intuitive interface and architecture
• Streamlined integration with customers' ERP and Workstation systems
• Upgrade to web-browser technology for those systems which are currently DOS-based
• End-to-end service, including online technical and customer service support
• Multi-layered state-of-the-art security features
• Global access (using a standard web browser and dial-up connection)
• Instant and automatic application upgrades

The CitiDirect® Online Banking application resides entirely within Citibank's Intranet. This means that we can ensure the security and control over our customers' data. For the first time, we can upgrade the application at will, with no disruption to our customers, who will see the upgrade immediately, with no need to alter their software or configuration. This will allow us to be much more responsive to changing customer demands than was previously possible.

For detailed information on CitiDirect® Online Banking Features and Advantages, please visit us at www.citidirect.com.

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or contact :

Citibank® NA
Global Transaction Services
P O Box 749, Dubai, UAE

Telephone: +9714 311 4444 (Option 2 and 2)