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Why Invest with Citibank Investment Services
    Trade online for as little as $29.95* a trade using DirectAccess®
    Place your stock, bond, and mutual fund trades, obtain real- time quotes and research investment information through our state of the art online trading system Direct Access Rated the "#1 on-line bank" by Worth Magazine (Aug./Sept. 1999) and rated Forbes Favorite by Forbes magazine (Sept. 13, 1999).
     
    Convenience - You have unsurpassed access to your accounts 24 hours/7 days a week. Place trades via computer, phone, ATM or visit one of our financial centers nationwide.
     
    Customer Service around the clock - Call 1-800-846-5200 (or 212-820-2380 in New York City) 24 hours a day, 7 days a week and our highly trained customer service representatives will be happy to answer your questions.
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Securities transactions are through Citicorp Investment Services (CIS), an affiliate of Citibank and member of NASD/SIPC. Annuities are insurance contracts issued by life insurance companies and are available through Citicorp Insurance Agency, Inc. (CIAI) except in: MD, VA, and D.C. through Citicorp Insurance Agency of Delaware, Inc.; and in CA through Citicorp Insurance Agency of California, Inc., agency license number: OB01347 (collectively the "Agencies"). All are affiliated with Citicorp Investment Services and Citibank and where required or permitted by law, all are licensed insurance agencies.

Citicorp Investment Services is a U.S. broker-dealer registered in all 50 states. However, not all services or products offered through Citicorp Investment Services are available in every state. Information published by Citicorp Investment Services as part of this Web site is published in the United States and is intended for persons in the United States. The information contained herein is for information purposes only and does not constitute a solicitation or an offer to buy or sell any securities.

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