Dear Suvidha Customer,

Greetings for the New Year from Citibank!

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.

Practice Safe online banking and beware of frauds

We at Citibank are committed to securing all your financial transactions. It is our responsibility to make you aware of some
simple actions that you should take to protect yourself from phishing while you are online.

Always remember...
The best way to access Citibank Online is to type "www.citibank.com/india" or "www.citibank.co.in" or "www.citinri.com"
into your browser.
Please verify that the website starts with https://www.citibank.co.in/ (including the last '/') before entering your card details
or your password. Do not enter your account or card information, personal details, or your password or PIN into any other
website.
Citibank will never send emails that ask you to enter your account or card information, personal details or your password
or PIN. Please maintain the confidentiality of these details as the bank uses these to verify your online identity.

Type http://www.citibank.com/india/phishing into your browser to learn more about phishing, and for more security tips on how to
protect yourselves on the Internet.

Go ahead, use Citibank's secure online banking platform, and enjoy its many benefits. And keep a watchful eye as well!

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 1

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

Statement Period - Jan 1, 2008 to Jan 31, 2008 Statement Date: Feb 1, 2008

Relationship Summary
Balance Summary Currency Assets Liabilities

Current Account(s) - -

Savings Account(s) INR 132.00 -

USD Checking A/C(s) - -

Deposits Account(s) - -

Investments - -

Overdrafts - -

Loans : Principal O/S - -

Cards : Latest Bills - -

Insurance - -

Share Trading A/C(s) - -

TOTAL (INR) 132.00 -

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 32.00

29Jan08 Debited From MANIGANDAN K 100.00 132.00

CLOSING BALANCE 0.00 100.00 132.00