World Mix

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"World Mix" is a packaged time deposit consisting of at least 2 currencies.
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Below are the instructions for opening a World Mix deposit.

About "Personal Profiling for Investment and Foreign Currency Deposits (Personal Profiling)"

Have you completed your "Personal Profiling"?

In order to offer more suitable products, Citibank requests customers to answer a questionnaire on your knowledge, experience and purpose about investment, total financial assets, annual income etc to calculate your 'Risk Score' . World Mix is available for customers with Risk Score 2 or above.

*	If your Risk Score doesn't meet this product's Risk Level, purchase of this product cannot be conducted.
*	Your answers to Personal Profiling will be valid for 1 year. Please retake the Personal Profiling questionnaire if your score has expired.

Select World Mix menu and check product information

Click " Time Deposits / Structured Deposits" from the main menu on the left hand side of the screen and select " World Mix" below.

Confirm features of World Mix.

The number of currencies, range of tenors, and other basic information are explained here.

Check World Mix Sample Package.

Combinations of currencies, FX rates, Interest Rate Pre Tax, and Amount Allocation of the displayed package are shown.
Click "View Details" to see the package's information in detail or click "Select" to buy it.

* FX Rate

FX Rate (Foreign Exchange Rate: Displayed here is TTS) is exchange rate from Yen to foreign currencies and includes the applicable FX fees.

* Interest Rate Pre Tax

Interest Rate Pre Tax represents the rate based on the tenor for each currency in the package. It will be calcuｌated based on tenor selected at the order placement.

The displayed FX Rates and Interest Rates Pre Tax are subject to change due to market fluctuations. Please confirm those in the Review Order screen for order placement.

* Discounted FX Rate / Add on Interest Rate

Depending on the currencies in the packages you have applied for and its term, discounted conversion rates and add-on pre-tax interest rates may apply. These add-on interest rates apply until the date of the first maturity, after which the normal fixed time deposit interest rate for each currency will apply.

To view the other packages, click on "View All Packages."

In World Mix All Packages screen, you can see all the package information for each tenor. You can also confirm the details of each package or go to Open Deposit screen.

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World Mix Open Deposit - Input Order Details

Confirm details of the World Mix package and click on "Select" to open a deposit.

Please make sure that you check the details of the package beforehand.

Select Source Account.

Available accounts will be displayed in the pull-down menu.

• Yen Savings
• e-Savings
• MultiMoney Yen Savings

Input Amount for the deposit.

Enter the amount without commas. Only single-byte numbers must be used.

*	Start with as little as 500,000 yen (per package).
*	For currencies whose equivalent value on a transaction is at least 20,000 US dollars, the applicable exchange rate

including the exchange fee will be displayed on Review Order screen.

Select Tenor.

If you select 1 year deposit , please select Interest Payment options as given below.

For packages consisting of only foreign currency time deposits and tenor of 1 year, you can specify instructions for payout of Interest. Choose from one of the below.

• Monthly interest payout to Yen Savings ("Monthly Smile")
• Monthly interest payout to MultiMoney Savings with the same currency ("Monthly Smile")
• No monthly interest payout (Interest paid at maturity).

*	For 3 and 6 months tenors, the above options are not shown. Interest will be paid on the maturity date.
*	The selected interest payment method cannot be changed and will remain the same in case of auto renewal also.
*	If you choose the option of "Monthly interest payout to Yen Savings" and you have e-Savings, the interest will be deposited into your e-Savings.

Select Maturity Instruction

You can choose the actions to be taken at the time of maturity for your World Mix deposit from the below options:

• Auto renewal of principal and net interest in the same currencies for the same tenor
• Credit principal and net interest to MultiMoney Savings account in the same currency

*	If you choose Monthly Interest Payment, only the principal will be credited to your account or auto renewed.
*	Monthly Interest Payment will be continued on those with auto renewal.

If you would like to change this instruction later, you can use the "Change Maturity Instructions" menu under "Time Deposits / Structured Deposits".

Select Purpose of the transaction.

Please choose the appropriate purpose for this transaction.

Clicking on "Next" will take you to the next page.

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Review Order Details

Details you entered in STEP2 will be displayed. Please review them carefully.

Important information about the following aspects are shown. Indicate your agreement by clicking on

• Foreign Currency Transactions
• Transactional Statement
• Auto Renewal

Review the order details and click on "Submit" to open a World Mix deposit.

To change your order detail, click "Back."

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Order Confirmation

Details of your World Mix deposit will be displayed.

You may execute the following transactions.

To open another World Mix, click on "Buy another World Mix."

To print out your transaction record, click on "Print."

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