Dear Suvidha Customer,

Greetings from Citibank!

Exclusive offer for Citibank ATM/Debit card holders

Win a sparkling ORRA Diamond Pendant in 2 simple steps

Step 1: Spend a minimum total of Rs.10,000 on your Citibank ATM/Debit Card between Feb 14 and March 31,2008.
Step 2: Login to www.citibank.com/india and enter a slogan by choosing the keyword 'ORRA Diamond Offer'

Top 50 slogans will win a sparlking Diamond Pendant from ORRA - The Diamond Destination (Best Jewellery Retail Chain of the
Year - 2007)

Hurry! Offer valid from Feb 14th to March 31, 2008

CitiAlert On Demand - The most convenient way to bank just got better!!!
Introducing brand new services on CitiAlert on demand - Just for your convenience. Now you can request for a duplicate
statement or have a new chequebook dispatched to you, all at the stroke of a few buttons on your Mobile Phone. You can get
your Savings Account details conveniently on the move as well - whenever, wherever - with just an SMS. No more waiting in a
queue at ATMs or be kept on hold on the phone!!!

Below is a list of new services launched exclusively for your convenience -

SMS DUPSTAT XXXX to 52484 for a Duplicate Statement dispatch. We will send you the statement within 3 working
days. E.g. DUPSTAT 7504
SMS CHQBOOK XXXX to 52484 and a new chequebook with 50 leaves will be sent to your mailing address within 5
working days; E.g. CHQBOOK 8542

Also get all information you need about your account, instantaneously -
SMS BAL XXXX to 52484 for the Balance in your Savings Account; E.g. BAL 7504
SMS SAL XXXX to 52484 for information of your last Salary Credit; E.g. SAL 3549

Where XXXX are the Last 4 Digits of the your Debit Card Number.
For more information about the CitiAlert On Demand service, please click here You can also visit our website
www.citibank.com/india for more details and the Mobile Banking Terms and Conditions.

Warm Regards,
Saru Kaushal
Business Manager-Suvidha

IMPORTANT INFORMATION

You can redeem your Citibank Suvidha Loyalty Points on Citibank Online at www.citibank.com/india. As per the program,
all Loyalty points in your account as of 31st Dec 2007 will lapse by 31st March 2008.

Update your contact details: You can update your Contact Details with ease, in our website. Just login and edit your
Address in the 'My Profiles' section

For Ready Credit Customers: The Ready Credit facility has been extended to you on the basis of your existing
relationship with the bank and we would like to bring to your notice that the funds available under this line should not be
used for any antisocial, unlawful money laundering or speculative purposes

Please note that under Credit Information Companies (Regulation) Act we are required to share your credit history
with Credit Information Bureau (India) Ltd. Do keep your accounts current and pay the necessary dues in a timely manner
in order to maintain a fair credit history and enjoy benefits of other financial products.
M MUTHUKUMARAN Page 1 of 3

Citibank Account relationship at a glance as on Mar 1, 2008

Statement Period - Feb 1, 2008 to Feb 29, 2008 Statement Date: Mar 1, 2008

Relationship Summary
Balance Summary Currency Assets Liabilities

Current Account(s) - -

Savings Account(s) INR 314.00 -

USD Checking A/C(s) - -

Deposits Account(s) INR 1000.00 -

Investments - -

Overdrafts - -

Loans : Principal O/S - -

Cards : Latest Bills - -

Insurance - -

Share Trading A/C(s) - -

TOTAL (INR) 1314.00 -

Nominee Registered for the following Accounts/Deposits

Transaction Details - Home

Savings Account No.: 5-6XX4XX-X03 In INR

Date Transaction Details Decrease Increase Balance

OPENING BALANCE 132.00

02Feb08 TT No.6851661 received from MADRAS, INTERCITY CHEQUE 682.00 814.00

DEPOSIT

- 543554 At MAD 24 Hours hold - CHQ# 543554 DRAWN ON ICICI

BANK
M MUTHUKUMARAN Page 2 of 3

Citibank Account relationship at a glance as on Mar 1, 2008

Statement Period - Feb 1, 2008 to Feb 29, 2008 Statement Date: Mar 1, 2008

Date Transaction Details Decrease Increase Balance

04Feb08 Debited From MANIGANDAN K 100.00 914.00

05Feb08 Debited From MANIGANDAN K 1000.00 1914.00

11Feb08 STANDING INSTRN 1000.00 914.00

For RD Booking--

12Feb08 ATM CASH WITHDRAWAL 100.00 814.00

Card no: 50815XXXXXXXX503 Ref: 804302920789 7945 WIPRO ECL

2 BANGALORE IN

19Feb08 Debited From MANIGANDAN K 1000.00

19Feb08 Debited From MANIGANDAN K 5000.00 6814.00

20Feb08 ATM CASH WITHDRAWAL 6200.00 614.00

Card no: 50815XXXXXXXX503 Ref: 805103990000 7866 KEONICS

BANGLORE IN

22Feb08 ATM CASH WITHDRAWAL 200.00 414.00

Card no: 50815XXXXXXXX503 Ref: 805303991213 7866 KEONICS

BANGLORE IN

25Feb08 ATM CASH WITHDRAWAL 100.00

Card no: 50815XXXXXXXX503 Ref: 805603991449 7866 KEONICS

BANGLORE IN

25Feb08 Debited From MANIGANDAN K 900.00

25Feb08 ATM CASH WITHDRAWAL 900.00 314.00

Card no: 50815XXXXXXXX503 Ref: 805603991904 7866 KEONICS

BANGLORE IN

CLOSING BALANCE 8500.00 8682.00 314.00

M MUTHUKUMARAN Page 3 of 3

Citibank Account relationship at a glance as on Mar 1, 2008

Statement Period - Feb 1, 2008 to Feb 29, 2008 Statement Date: Mar 1, 2008

Deposit Details - Home

Deposit Account(s) Summary In INR

FIXED DEPOSIT : 226645 ( RECURRING DEPOSIT ** )

Deposit No./ Original Current Interest Terms Maturity Maturity Maturity

Booking Date Principal Principal Earned Date Amount Instruction

0001-00 11Feb08 1000.00 1000.00 Tnr-011M 8.50% 10Feb09 11478.68

TOTAL 1000.00 11478.68

* The amount of Interest earned till February 29, 2008 is based on the original tenor of the deposit. If you opt for premature closure or
withdrawal, this amount will be recomputed. ** For Recurring Deposit, the booking date is the date on which the first installment gets booked.
Original & Current Principals are the principals paid to date. Date of last Installment will be one month prior to the maturity date mentioned. Tnr
stands for the tenor of the Recurring Deposit.