Dear Suvidha Customer,

Greetings from Citibank!

Win a Philip GoGear Video/Music Player everyday using Citibank Bill Pay! *
Pay your bills / recharge your Pre-paid mobile with Citibank Bill Pay, enter the slogan contest and the top slogan wins a cool
Philips GoGear Video/Music player everyday*.

All you need to do is follow these 2 simple steps!

Step1 : Pay your utility bills using Citibank Bill Pay OR
Recharge your Pre-paid mobile phone using Citibank's Pre-paid Recharge service OR
Register for Citibank's Bill Payment services.

Do all this and more at Citibank Online, by calling CitiPhone, or even via SMS. To know more about the Bill pay service
please click here.
Step2 : Complete and submit a slogan by clicking here.

It does not get easier than this. Login now and start paying your bills / recharge your pre-paid mobile online!

Hurry! Offer is valid till 30th April 2008 only! *

*Please click here to view the offer Terms and Conditions.

To know about the terms and conditions for usage of bill pay services please click here.

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

The date of lapsing of Suvidha Loyalty points earned upto 31st Dec 2007 has been extended from March 31st to April 30, 2008. So hurry,
if you have more than 250 points visit www.citibank.com/india and redeem your points today !

For deposits of Rs. 50,000 and above, please submit a copy of the PAN card or Form 60 (in triplicate).

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 4

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

Statement Period - Mar 1, 2008 to Mar 31, 2008 Statement Date: Apr 1, 2008

Relationship Summary
Balance Summary Currency Assets Liabilities

Current Account(s) - -

Savings Account(s) INR 16.00 -

USD Checking A/C(s) - -

Deposits Account(s) INR 2000.00 -

Investments - -

Overdrafts - -

Loans : Principal O/S - -

Cards : Latest Bills - -

Insurance - -

Share Trading A/C(s) - -

TOTAL (INR) 2016.00 -

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 314.00

03Mar08 Interest earned during the Period: 01SEP2007 - 29FEB2008 2.00

Effective Date : 29Feb08

03Mar08 Debited From MANIGANDAN K 1000.00

03Mar08 Debited From MANIGANDAN K 1200.00 2516.00

06Mar08 STANDING INSTRN 1000.00

M MUTHUKUMARAN Page 2 of 4

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

Statement Period - Mar 1, 2008 to Mar 31, 2008 Statement Date: Apr 1, 2008

Date Transaction Details Decrease Increase Balance

For RD Booking--

06Mar08 ATM CASH WITHDRAWAL 1200.00

Card no: 50815XXXXXXXX503 Ref: 806603996988 7866 KEONICS

BANGLORE IN

06Mar08 Debited From MANIGANDAN K 16000.00

06Mar08 ATM WITHDRAWAL 16000.00 316.00

Card no.: 5081XXXXXXXX0503 Ref: 000000009194 IITB

ELECTRONOC CITY BANGALORE IN

12Mar08 ATM CASH WITHDRAWAL 100.00 216.00

Card no: 50815XXXXXXXX503 Ref: 807203999571 7866 KEONICS

BANGLORE IN

13Mar08 ATM CASH WITHDRAWAL 100.00

Card no: 50815XXXXXXXX503 Ref: 807303990084 7866 KEONICS

BANGLORE IN

13Mar08 Debited From MANIGANDAN K 1500.00

13Mar08 ATM CASH WITHDRAWAL 1200.00 416.00

Card no: 50815XXXXXXXX503 Ref: 807303990497 7866 KEONICS

BANGLORE IN

14Mar08 ATM CASH WITHDRAWAL 300.00

Card no: 50815XXXXXXXX503 Ref: 807403990840 7866 KEONICS

BANGLORE IN

14Mar08 ATM CASH WITHDRAWAL 100.00 16.00

Card no: 50815XXXXXXXX503 Ref: 807403991114 7866 KEONICS

BANGLORE IN

CLOSING BALANCE 20000.00 19702.00 16.00

M MUTHUKUMARAN Page 3 of 4

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

Statement Period - Mar 1, 2008 to Mar 31, 2008 Statement Date: Apr 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

FIXED DEPOSIT : 227372 ( RECURRING DEPOSIT ** )

Deposit No./ Original Current Interest Terms Maturity Maturity Maturity

Booking Date Principal Principal Earned Date Amount Instruction

0001-00 06Mar08 1000.00 1000.00 Tnr-012M 8.50% 06Mar09 12560.50

TOTAL 1000.00 12560.50

Disclaimer: The nominee on the Multi Deposit will be the same as that on the linked banking account. * The amount of Interest earned till
March 31, 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.

TDS Details - Home

INTEREST EARNED / TDS DETAILS : YEAR TO DATE (FOR 2007 - 2008)

Deposit no. Interest Applied/Credited TDS Deducted Net Interest Applied/Credited

226645-0001-00 12.00 0.00 12.00

227372-0001-00 6.00 0.00 6.00

M MUTHUKUMARAN Page 4 of 4

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

Statement Period - Mar 1, 2008 to Mar 31, 2008 Statement Date: Apr 1, 2008

Kindly note that the consolidated TDS certificate/Form 16A for the F.Y will be sent to you at the end of the financial year. The Interest
Applied/Credited shown is as on the Interest application date. This will change during the F.Y, if any preclosure of deposit is done. TDS will be
applied if the interest earned is greater than or equal to 10000. TDS rate is inclusive of Base TDS rate, Surcharge, if applicable and Education
Cess. TDS Deduction is done on the total interest earned / applied at Account level Deposits.