Time Deposits

A Safe Way To Save Money

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Time Deposits

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Top-up Deposits

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Deposit Agreement

We offer you the benefit of making time deposits on favorable terms securing a high yield on your safe investments. You can make an unlimited number of ruble and foreign currency deposits from your current or savings account with ZAO Citibank, thus using surplus funds to your advantage.

Deposits accessible through
Citibank Online, CitiPhone, and Citibank branches

We value your time and therefore, if you are unable to come to a branch, you can place funds on our deposits accessible also through 24-hour Citiphone Banking or Citibank Online Internet banking system.

Interest rates (per annum) Effective as of April 5, 2010
RUB
	30 days	90 days	180 days	270 days	360 days	550 days	730 days
15 000 - 300 000	2.50%	3.00%	3.25%	3.50%	3.75%	4.00%	4.25%
300 000 - 600 000	2.50%	3.00%	3.25%	3.50%	3.75%	4.00%	4.25%
600 000 - 1 500 000	2.75%	3.25%	3.50%	3.75%	4.00%	4.25%	4.50%
> 1 500 000	3.00%	3.25%	3.50%	3.75%	4.00%	4.25%	4.50%
USD
	30 days	90 days	180 days	270 days	360 days	550 days	730 days
500 - 25 000	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.90%
25 000 - 50 000	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.90%
> 50 000	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%	1.00%
EUR
	30 days	90 days	180 days	270 days	360 days	550 days	730 days
500 - 25 000	0.20%	0.40%	0.60%	0.80%	1.00%	1.20%	1.40%
25 000 - 50 000	0.20%	0.40%	0.60%	0.80%	1.00%	1.20%	1.40%
> 50 000	0.30%	0.50%	0.70%	0.90%	1.10%	1.30%	1.50%

The minimum amount of time deposit is:

USD 500 for time deposits in US dollars;
EUR 500 for time deposits in euros;
RUB 15 000 for time deposits in rubles.

Deposits accessible through Citibank branches

Effective as of July 23, 2010

RUB	USD	EUR	Tenor	Amount	Terms of deposit
up to 8% p.a.	up to 4% p.a.	3% p.a.	33, 100, 200, 250 days	Minimum deposit amount: RUB 30,000 or USD 1,000 or EUR 1,000	Funds may be placed on the deposit only as a part of - Bundle with Investments - Bundle with Insurance
up to 9% p.a.	up to 5% p.a.	3,5% p.a.	150, 300 days	Minimum deposit amount: RUB 30,000 or USD 1,000 or EUR 1,000

All these products - Saving Plans, Mutual Funds, Fixed Income (Bonds), Time Deposits, etc., are also available to you as individual product offerings, however the special time deposit rates are only available as part of the Bundles.

All deposit agreement terms and conditions are set out in the Deposit Agreement section at www.citibank.ru. All details are also available from ZAO Citibank branches.

On the deposit maturity date, you will get your money and accrued interest back to the current or savings account with ZAO Citibank from which the deposit was made.

The time deposit may not be terminated in part. If you elect to prematurely terminate the time deposit, you will be refunded the deposit amount in full. However, if the time deposit is prematurely terminated, interest will accrue at 0.05% p.a. ZAO Citibank reserves the right to change the terms of these offers at any time without prior notice.

Deposit Compensation Under The Federal Law
"On Consumer Deposit Insurance At Russian Banks"