Common use of Product Risk Information Clause in Contracts

Product Risk Information. Citi may provide you with services in relation to all types of financial instruments. The following is a list of such instruments based on the list set out in Annex 1 of MiFID. For the avoidance of doubt, the product risk information contained in this paragraph 6 is only given insofar as the following financial instruments are relevant to this Agreement: • transferable securities • money market instruments • units in collective investment undertakings • options, futures, swaps, forward rate agreements and any other derivatives contracts relating to: • commodities, whether cash and/or physical settled and whether or not traded on a regulated market and/or multilateral trading facility • climatic variables, freight rates, commission allowances or inflation rates or other official economic statistics • derivative instruments for the transfer of credit risk • financial contracts for differences • other derivative contracts In deciding to deal with Citi in such products generally, and in any particular case, you will have already assessed the risks involved in those products and in any related services and strategies which, in any particular case may (as relevant) include any of, or a combination of any of, the following: • credit risk • market risk • liquidity risk • interest rate risk • FX risk, business, operational and insolvency risk • the risks of OTC, as opposed to on-exchange, trading, in terms of issues like the clearing house “guarantee”, transparency of prices and ability to close out positions • contingent liability risk • regulatory and legal risk In relation to any particular product or service there may be particular risks which are drawn to your attention in the relevant terms sheet, offering memorandum or prospectus. You must not rely on the above as investment advice based on your personal circumstances, nor as a recommendation to enter into any of the services or invest in any of the products listed above. Where you are unclear as to the meaning of any of the above disclosures or warnings, we would strongly recommend that you seek independent legal or financial advice.

Product Risk Information. Citi may provide you with services in relation to all types of financial instruments. The following is a list of such instruments based on the list set out in Annex 1 of MiFID. For the avoidance of doubt, the product risk information contained in this paragraph 6 is only given insofar as the following financial instruments are relevant to this Agreement: • transferable securities • money market instruments • units in collective investment undertakings • options, futures, swaps, forward rate agreements and any other derivatives contracts relating to: • - commodities, whether cash and/or physical settled and whether or not traded on a regulated market and/or multilateral trading facility • - climatic variables, freight rates, commission allowances or inflation rates or other official economic statistics • derivative instruments for the transfer of credit risk • financial contracts for differences • other derivative contracts In deciding to deal with Citi in such products generally, and in any particular case, you will have already assessed the risks involved in those products and in any related services and strategies which, in any particular case may (as relevant) include any of, or a combination of any of, the following: • credit risk • market risk • liquidity risk • interest rate risk • FX risk, business, operational and insolvency risk • the risks of OTC, as opposed to on-exchange, trading, in terms of issues like the clearing house “guarantee”, transparency of prices and ability to close out positions • contingent liability risk • regulatory and legal risk In relation to any particular product or service there may be particular risks which are drawn to your attention in the relevant terms sheet, offering memorandum or prospectus. You must not rely on the above as investment advice based on your personal circumstances, nor as a recommendation to enter into any of the services or invest in any of the products listed above. Where you are unclear as to the meaning of any of the above disclosures or warnings, we would strongly recommend that you seek independent legal or financial advice.

Product Risk Information. Citi may provide you with services in relation to all types of financial instruments. The following is a list of such instruments based on the list set out in Annex 1 of MiFID. For the avoidance of doubt, the product risk information contained in this paragraph 6 is only given insofar as the following financial instruments are relevant to this Agreement: • · transferable securities • · money market instruments • · units in collective investment undertakings • · options, futures, swaps, forward rate agreements and any other derivatives contracts relating to: • - commodities, whether cash and/or physical settled and whether or not traded on a regulated market and/or multilateral trading facility • - climatic variables, freight rates, commission allowances or inflation rates or other official economic statistics • · derivative instruments for the transfer of credit risk • · financial contracts for differences • · other derivative contracts In deciding to deal with Citi in such products generally, and in any particular case, you will have already assessed the risks involved in those products and in any related services and strategies which, in any particular case may (as relevant) include any of, or a combination of any of, the following: • · credit risk • · market risk • · liquidity risk • · interest rate risk • · FX risk, business, operational and insolvency risk • · the risks of OTC, as opposed to on-exchange, trading, in terms of issues like the clearing house “"guarantee”", transparency of prices and ability to close out positions • · contingent liability risk • · regulatory and legal risk In relation to any particular product or service there may be particular risks which are drawn to your attention in the relevant terms sheet, offering memorandum or prospectus. You must not rely on the above as investment advice based on your personal circumstances, nor as a recommendation to enter into any of the services or invest in any of the products listed above. Where you are unclear as to the meaning of any of the above disclosures or warnings, we would strongly recommend that you seek independent legal or financial advice. Receiving orders in the context of custody services Whenever Citi is given an order by you in relation to its acting as custodian of the Assets (as defined in this Agreement), Citi's role is restricted to reception and transmission of the order, unless Citi acts as discretionary investment manager of Cash Collateral pursuant to Schedule 5 of this Agreement. Citi does not execute orders as part of custody services though Citi may pass the order to a Citi affiliate for execution where appropriate. Securities held in a clearance system may be subject to a lien or other security interests under the rules, terms and conditions of the relevant clearance system. Citi may register financial instruments which are subject to the law or market practice of certain jurisdictions in the name of a third party or Citi itself. Where our relationship is also subject to standard industry terms of business, those terms may be updated in due course. When this happens, the terms will be made available to you in an appropriate manner (which may include via a page on our website).

Product Risk Information. Citi may provide you with services in relation to all types of financial instruments. The following is a list of such instruments based on the list set out in Annex 1 of MiFID. For the avoidance of doubt, the product risk information contained in this paragraph 6 is only given insofar as the following financial instruments are relevant to this Agreement: • transferable securities • money market instruments • units in collective investment undertakings • options, futures, swaps, forward rate agreements and any other derivatives contracts relating to: • - commodities, whether cash and/or physical settled and whether or not traded on a regulated market and/or multilateral trading facility • - climatic variables, freight rates, commission allowances or inflation rates or other official economic statistics • derivative instruments for the transfer of credit risk • financial contracts for differences • other derivative contracts In deciding to deal with Citi in such products generally, and in any particular case, you will have already assessed the risks involved in those products and in any related services and strategies which, in any particular case may (as relevant) include any of, or a combination of any of, the following: • credit risk • market risk • liquidity risk • interest rate risk • FX risk, business, operational and insolvency risk • the risks of OTC, as opposed to on-exchange, trading, in terms of issues like the clearing house “"guarantee”", transparency of prices and ability to close out positions • contingent liability risk • regulatory and legal risk In relation to any particular product or service there may be particular risks which are drawn to your attention in the relevant terms sheet, offering memorandum or prospectus. You must not rely on the above as investment advice based on your personal circumstances, nor as a recommendation to enter into any of the services or invest in any of the products listed above. Where you are unclear as to the meaning of any of the above disclosures or warnings, we would strongly recommend that you seek independent legal or financial advice. Receiving orders in the context of custody services Whenever Citi is given an order by you in relation to its acting as custodian of the Assets (as defined in this Agreement), Citi's role is restricted to reception and transmission of the order, unless Citi acts as discretionary investment manager of Cash Collateral pursuant to Schedule 5 of this Agreement. Citi does not execute orders as part of custody services though Citi may pass the order to a Citi affiliate for execution where appropriate. Securities held in a clearance system may be subject to a lien or other security interests under the rules, terms and conditions of the relevant clearance system. Citi may register financial instruments which are subject to the law or market practice of certain jurisdictions in the name of a third party or Citi itself. Where our relationship is also subject to standard industry terms of business, those terms may be updated in due course. When this happens, the terms will be made available to you in an appropriate manner (which may include via a page on our website).

Product Risk Information. Citi may provide you with services in relation to all types of financial instruments. The following is a list of such instruments based on the list set out in Annex 1 of MiFID. For the avoidance of doubt, the product risk information contained in this paragraph 6 is only given insofar as the following financial instruments are relevant to this Agreement: • transferable securities • money market instruments • units in collective investment undertakings • options, futures, swaps, forward rate agreements and any other derivatives contracts relating to: • - commodities, whether cash and/or physical settled and whether or not traded on a regulated market and/or multilateral trading facility • - climatic variables, freight rates, commission allowances or inflation rates or other official economic statistics • derivative instruments for the transfer of credit risk • financial contracts for differences • other derivative contracts In deciding to deal with Citi in such products generally, and in any particular case, you will have already assessed the risks involved in those products and in any related services and strategies which, in any particular case may (as relevant) include any of, or a combination of any of, the following: • credit risk • market risk • liquidity risk • interest rate risk • FX risk, business, operational and insolvency risk • the risks of OTC, as opposed to on-exchange, trading, in terms of issues like the clearing house “"guarantee”", transparency of prices and ability to close out positions • contingent liability risk • regulatory and legal risk In relation to any particular product or service there may be particular risks which are drawn to your attention in the relevant terms sheet, offering memorandum or prospectus. You must not rely on the above as investment advice based on your personal circumstances, nor as a recommendation to enter into any of the services or invest in any of the products listed above. Where you are unclear as to the meaning of any of the above disclosures or warnings, we would strongly recommend that you seek independent legal or financial advice.

Product Risk Information. Citi may provide you with services in relation to all types of financial instruments. The following is a list of such instruments based on the list set out in Annex 1 of MiFID. For the avoidance of doubt, the product risk information contained in this paragraph 6 is only given insofar as the following financial instruments are relevant to this Custody Agreement: •  transferable securities •  money market instruments •  units in collective investment undertakings •  options, futures, swaps, forward rate agreements and any other derivatives contracts relating to: •  commodities, whether cash and/or physical settled and whether or not traded on a regulated market and/or multilateral trading facility •  climatic variables, freight rates, commission allowances or inflation rates or other official economic statistics •  derivative instruments for the transfer of credit risk •  financial contracts for differences •  other derivative contracts In deciding to deal with Citi in such products generally, and in any particular case, you will have already assessed the risks involved in those products and in any related services and strategies which, in any particular case may (as relevant) include any of, or a combination of any of, the following: •  credit risk •  market risk •  liquidity risk •  interest rate risk • FX  foreign exchange risk, business, operational and insolvency risk •  the risks of OTC"over-the-counter", as opposed to on-exchange, trading, in terms of issues like the clearing house “"guarantee”", transparency of prices and ability to close out positions •  contingent liability risk •  regulatory and legal risk In relation to any particular product or service there may be particular risks which are drawn to your attention in the relevant terms sheet, offering memorandum or prospectus. You must not rely on the above as investment advice based on your personal circumstances, nor as a recommendation to enter into any of the services or invest in any of the products listed above. Where you are unclear as to the meaning of any of the above disclosures or warnings, we would strongly recommend that you seek independent legal or financial advice.. UK Country Schedule for Securities Settlement Services

Product Risk Information. Citi may provide you with services in relation to all types of financial instruments. The following is a list of such instruments based on the list set out in Annex 1 of MiFID. For the avoidance of doubt, the product risk information contained in this paragraph 6 is only given insofar as the following financial instruments are relevant to this Agreement: • · transferable securities • · money market instruments • · units in collective investment undertakings • · options, futures, swaps, forward rate agreements and any other derivatives contracts relating to: • - commodities, whether cash and/or physical settled and whether or not traded on a regulated market and/or multilateral trading facility • - climatic variables, freight rates, commission allowances or inflation rates or other official economic statistics • · derivative instruments for the transfer of credit risk • · financial contracts for differences • · other derivative contracts In deciding to deal with Citi in such products generally, and in any particular case, you will have already assessed the risks involved in those products and in any related services and strategies which, in any particular case may (as relevant) include any of, or a combination of any of, the following: • · credit risk • · market risk • · liquidity risk • · interest rate risk • · FX risk, business, operational and insolvency risk • · the risks of OTC, as opposed to on-exchange, trading, in terms of issues like the clearing house “"guarantee”", transparency of prices and ability to close out positions • · contingent liability risk • · regulatory and legal risk In relation to any particular product or service there may be particular risks which are drawn to your attention in the relevant terms sheet, offering memorandum or prospectus. You must not rely on the above as investment advice based on your personal circumstances, nor as a recommendation to enter into any of the services or invest in any of the products listed above. Where you are unclear as to the meaning of any of the above disclosures or warnings, we would strongly recommend that you seek independent legal or financial advice.