Citigroup Global Markets Holdings Inc. has introduced 2-Year Market-Linked Securities linked to the S&P 500® Index (SPX). The securities, guaranteed by Citigroup Inc., offer a 100% upside participation rate with a maximum return at maturity of at least 12.50%. The pricing date is set for January 31, 2025, with maturity on February 4, 2027.Investors will receive the stated principal amount of $1,000 per security plus a return amount at maturity, which will be either zero or positive. The return is based on the underlying index's performance, subject to the maximum return cap. If the final underlying value is less than or equal to the initial value, investors will only receive the principal amount.Key risks include potential for no return, limited upside due to the return cap, and credit risk of Citigroup. The securities do not pay interest or provide dividends, and their value will fluctuate based on various factors. Investors are advised to read the full preliminary pricing supplement and related documents for complete information before investing.

Citigroup Global Markets Holdings Inc. has introduced 2-Year Market-Linked Securities linked to the S&P 500® Index (SPX). The securities, guaranteed by Citigroup Inc., offer a 100% upside participation rate with a maximum return at maturity of at least 12.50%. The pricing date is set for January 31, 2025, with maturity on February 4, 2027.Investors will receive the stated principal amount of $1,000 per security plus a return amount at maturity, which will be either zero or positive. The return is based on the underlying index's performance, subject to the maximum return cap. If the final underlying value is less than or equal to the initial value, investors will only receive the principal amount.Key risks include potential for no return, limited upside due to the return cap, and credit risk of Citigroup. The securities do not pay interest or provide dividends, and their value will fluctuate based on various factors. Investors are advised to read the full preliminary pricing supplement and related documents for complete information before investing.