
 
 
Dear Client, 
 
Thank you for your continued support and for the confidence that you have placed in us. I would 
like to assure you that we do not take this confidence for granted. 
 
At Citibank, we work as one team with a common purpose – to provide best-in-class service to 
our  customers.  Our  philosophy  has  always  centred  on  our  belief  that  customers  should  be 
treated  in  a  fair  and  balanced  manner.  Thus,  we  endeavour  to  make  Fair  Dealing  a  core 
practice  in  everything  we  do  –  from  the  way  we  conduct  our  business  and  interact  with 
customers to the products and services we offer. This belief is embedded through our Client 
Excellence Programme, which was launched in 2007. 
 
You  have  my  assurance  that  we  are  committed  to  ensuring  that  Fair  Dealing  is  central  to 
everything we do and it is a belief we stand by in our interactions with you, our valued customer: 
  Our interaction with you will always be fair and balanced 
  We  adhere  to  values  that  are  designed  to  ensure  that  we  put  your  needs  first,  and  we 
always aim to deliver superior customer experience; 
  The  range  of  wealth  management  products  that  we  distribute  undergo  a  rigorous  due 
diligence process and whilst we do not guarantee the performance of such products, we are 
committed to  recommending  you  products  that are  aligned  with  your expressed financial 
objectives, investment knowledge/experience, and risk attitude/appetite; 
  Prior  to  engaging  and  recommending  products  to  you,  our  sales  personnel  will  undergo 
training and be certified to offer such products to you; 
  We  provide  relevant  and  clear  product  information in  a  timely  manner  that  will  help  you 
make informed financial decisions; 
  You have easy access to channels through which you can provide any feedback you may 
have that  will enable  us  to  further enhance the services  we provide : You can reach us 
through our CitiPhone Banking helpline which is available 24 hours a day, visit any one of 
our  branches,  contact  your  Personal  Banker  or  Relationship  Manager,  or  write  to  our 
Customer Service Director for this purpose; 
  We follow a set of service standards on complaints handling and resolution to ensure your 
issues are resolved in an independent and prompt manner. 
 
As we continue to build a stronger partnership together, we fully recognize that your support and 
the continued trust that you place in us is the foundation of our success. 
 
You are at the centre of everything we do and we will work tirelessly towards ensuring that we 
meet and exceed your expectations in a fair and responsible way. 
 
 
Yours sincerely, 
Ajay Kashyap 
Managing Director, 
Head - NRI Business