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PRIVACY NOTICE

Citicorp Inc. and it affiliates (Citi) have upgraded the Citi Secure Email
Center to provide enhanced security for recipients of encrypted Emails. These
changes add a small number of passphrase questions, used for recovery in the
event you have forgotten your chosen passphrase.

These Email recovery questions relate to certain data about you as an
individual, otherwise known as Personally Identifiable Information (PII) which
Citi will collect, maintain and keep secure.

Citi retains this information to the extent necessary for the management of your
Citi account(s), relationships, or as contractually required, including any
stages of contract formation. It will be stored securely for the maximum
reasonable period as permitted by the law, to evidence our communications or any
instructions we receive from you.

The Citi Secure Email system is a facility managed and controlled by Citi. All
personal information is encrypted and accessible only to Citi employees, and
used for the purposes of authenticating access to retrieve your passphrase only.

Citi maintains strict security standards and procedures to prevent unauthorized
access or disclosure of your personal information to non-authorized persons. Our
Secure Email Data Centers are located in the United States: By using this
recovery service you agree to transfer personal information contained in those
questions, to our data centres, via Citi or third party communications networks
around the globe.

If you have any concerns or queries about this notice or require rectification
of any personal information please contact our Citi Secure Email Helpdesk
(secure.emailhelp@citi.com), or a Citi Privacy Officer indicated in any relevant
Privacy Notices or in your relationship or agreement(s). If you are a US
Resident, the data controller is Citigroup, Inc., 388 Greenwich Street, New
York, NY 10013 United States.



Help is available 24 hours a day by calling 1-866-535-2504 (inside U.S.) or
International users call 1-904-954-6181 (collect calls accepted) or by email at
secure.emailhelp@citi.com