【正文】 nking, credit, investments, insurance and retirement information in one place with a Citigold account. And by linking it to a Smith Barney investments account, you have the resources to see a more plete financial picture—and develop a more prehensive financial strategy.What you getWhat you getHighest level of service An exclusive 24/7 tollfree customer service number. Priority processing on first mortgage and home equity applications. Citigold Global Access1 provides banking, business and hospitality services at Citigold Centers worldwide. Consolidated monthly statement. Unparalleled protection with Citi174。 Identity Theft Solutions.Exclusive savings amp。 rewards Preferred interest rates on selected deposit products, including your checking account2 and a highyield transaction account available for your Citibank IRA. Waived fees: o For various banking services o For a choice of credit or debit cards o Additional savings for accounts with $500,000 or more in balances Discounts on online outgoing wire transfers, foreign currency transactions and safe deposit box. Preferred mortgage pricing that gives you $500 towards closing costs. Preferred pricing for both home equity line of credit and Checking Plus174。 (variable rate) overdraft protection3.Advice amp。 guidance A team of financial professionals with expertise in banking, borrowing, insurance products and investing. Smith Barney Financial Advisors with tools and training to help you create a diversified portfolio. Access to prehensive investment research. Complimentary membership to Women amp。 Co.174。 — a Citi program8 that offers access to education, financial tools and a resource network.How it worksThe Citigold RelationshipA $500 initial deposit opens your Citigold account. Within six months, the bined average balance of your linked eligible accounts has to be: $100,000 or more across all your linked Citi accountsOR $250,000 or more if your Citibank first mortgage is included in the total relationship.If you maintain the balances shown above, we39。ll waive the $25 monthly service fee.Upgrading is easyIt takes only a few minutes to submit your upgrade request online. You39。ll get the option to order new checks (which are free) and a choice of ATM/Debit cards: Gold Citibank174。 MasterCard174。 Debit Card with ThankYou174。 Network9 Premium Citibank174。/AAdvantage174。 Debit Card Gold Citibank174。 MasterCard174。 Debit CardWithin 2 business days, you39。ll see your checking, Checking Plus174。 10 and brokerage accounts upgraded to Citigold status — but your account numbers will remain the same. We39。ll also mail you a new card and checks as you requested.5， PlanningEg1 Education PlanningFace your future head on.We know it39。s exciting to start college, make friends and experience new opportunities. Besides a social life and keeping up your grades, you need to keep up with your tuition payments too.很多strategies The CollegeSavings Superpage The CollegeSavings Superpage, Part 2 How Much Should You Save? Free Money PrivateSchool Tuition, for Cheap College Savings Without the Tax Bite The 529 Basics CollegeSavings Plans PrepaidTuition Plans Grade Your 529 Plan The College Tax Breaks Explained The 529 CollegeSavingsPlan Estimator The Cost of a College EducationEg: Collegesavings plans are a little bit like a very restricted 401(k). (Although with a collegesavings plan you are contributing aftertax dollars, while with a 401(k) contributions are generally pretax.) In other words, you contribute money to the plan, which is then invested in some sort of savings vehicle — typically mutual funds. Many of these plans offer stock funds when a child is quite young, which will then be transferred to more conservative investments, like bond funds, as the child gets closer to college age. Of course, unlike the prepaid tuition plans, there are no guarantees that your money will grow large enough to cover your tuition bills. But should you invest in a good plan, the returns (bined with the taxfree withdrawals) certainly give you a fighting chance. Also, these plans aren39。t strictly geared toward instate schools, but are meant to be applied toward whichever school your child chooses to attend. For stayathome mom Becky Harvey of Oxford, Mass., investing in a collegesavings plan was a much wiser choice than a prepaid tuition plan. When her five and sixyearold sons were first born, Harvey and her husband Greg began investing on their behalf. They initially used a prepaid plan sponsored by the state of Massachusetts, but they39。ve since begun contributing instead to the U. Investing Plan, Massachusetts39。 collegesavings plan, which is run by Fidelity. Since our kids are so young, I figure with our long investment horizon that we39。ll do better in this type of plan, says Harvey. Sure, you lose some stability, but the way I see it, the money we are contributing today will help us buy low and sell high. These days it seems pretty much every major fund family, including T. Rowe Price, Strong, Alliance, Wadell amp。 Reed and TIAACREF, has partnered up with at least one state. And since most collegesavings plans allow you to invest across state lines, this means that if you don39。t like the plan in your home state, you can look elsewhere and most likely go with a fund family that you already trust. (You could, however, lose out on some statetax benefits.) Keep in mind, investing in a collegesavings plan could also affect your financialaid eligibility, although in a different way than a prepaid tuition plan. Collegesavings plans are typically viewed as a parental asset, rather than a child39。s. And that means that a financialaid officer would count a maximum of % of those assets toward your financialaid eligibility, says CPA Rick Darvis of College Planning, Inc. O