Privacy for Consumers at ZAO Citibank

Our goal is to maintain your trust and confidence when handling personal information about you.

YOU HAVE CHOICES:

SECURITY OF PERSONAL INFORMATION:

The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

If you have any questions or comments concerning Privacy for Consumers at ZAO Citibank, including if you want to remove your names from marketing lists, please call our 24-Hour CitiPhone Banking on +7 (495) 775-7575 (Moscow) or +7 (812) 336 7575 (St. Petersburg).

NOTICE

We would like to remind you that If you are a US person for purposes of US federal income tax and have not notified ZAO Citibank before, you must notify us within 30 days and provide your taxpayer identification number in order to avoid backup withholding of US tax at the rate of 31% on interest, dividends and other reportable payments credited to your account.

Unless you identify yourself as a US person for purposes of US federal income tax (i.e. citizen or lawful resident (green card holder) of the United States) by notifying ZAO Citibank, you represent and warrant that you are not a US person, and/or that you are not acting on behalf of a US person.

If your tax status changes and you become a US person for purposes of US federal income tax you must notify us within 30 days. A false or misinterpretation of tax status by a US person could lead to penalties under US laws.

REMINDER

In accordance with CBR Letter #99-T of July 13, 2005 and CBR Provision #262-P of August 19, 2004, we would like to remind you of the necessity to inform ZAO Citibank in a timely manner about any changes in your personal demographic data:

Name or surname;

Citizenship;

Passport details;

Registration address and/or actual residence address;

Contact telephone numbers;

etc.

NOTICE

ZAO Citibank respectfully informs you that in accordance with CBR Provision #262-P of August 19, 2004, it is now required to obligatory identify the "ultimate beneficiaries", i.e. the persons for whose benefit the customer is acting, including under an agency agreement, an authority, a commission agreement or a trust agreement, in the conduct of banking and other activities.

If you carry out through your ZAO Citibank accounts any transactions for the benefit of ultimate beneficiaries, we would like to inform you of the necessity to provide ZAO Citibank in a timely manner with documents supporting such banking transactions as well as other information and documents as required to establish and identify the ultimate beneficiaries.

In particular, the following is required for identification of an ultimate beneficiary-individual: surname, name and patronymic; date and place of birth; citizenship; details of his/her identification document; residence (registration) address or location address; contact telephone and fax numbers.

The following is required for identification of an ultimate beneficiary-legal entity: name and legal status; taxpayer identification number; state registration details; location address and mailing address; details of a license to carry on licensable activities; bank identification code (for resident credit organizations); information regarding the legal person's bodies; information regarding the amount of registered and paid up charter/share capital or charter fund, property; information regarding the presence or absence of the legal person at its location, its permanent managerial body or other body or person authorized to act on behalf of the legal person without a power of attorney; and contact telephone and fax numbers.