1. Interest rate is subject to change without notice. Interest rate only available on term deposits under AUD$2,000,000. 31 day notice period applies to term deposits. Other terms and rates are available. The Term Deposit will automatically renew for the same term at maturity unless you have nominated otherwise. Please note that the interest rate that will apply to your reinvestment will be the interest rate current on the date of maturity which may be less than what may be available to you had you made a new investment.

2. The Financial Claims Scheme guarantees AUD deposits up to a limit of $250,000 per person per Authorised Deposit-taking Institution (ADI). Your combined AUD deposits up to $250,000 with the National Australia Bank (NAB) Group (which includes Citi, NAB, 86 400 or U Bank) may be guaranteed by the Federal Government without charge. For more details see APRA's Financial Claims Scheme website.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”), is the issuer of Citi branded financial products. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

NAB is an Authorised Deposit-taking Institution (“ADI”). Under the Australian Government’s Financial Claims Scheme your AUD deposits with NAB may be guaranteed up to $250,000 per account holder per ADI. Citi holds no deposits. The Scheme does not apply to your non-AUD deposits.

Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. You should also obtain and consider the relevant Product Disclosure Statement and terms and conditions before you make a decision about any financial product, and consider if it's suitable for your objectives, financial situation, or needs. Investors are advised to obtain independent legal, financial, and taxation advice prior to investing.