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Enhancing online security has always been our priority. At Citibank, we are committed to making Citibank Online a secured banking environment for you against online fraud. Effective 1 January 2013, your existing Online Security Device (OSD) will be replaced with a new enhanced device. Besides generating a One-Time PIN (OTP) for login and other online transactions, this device offers a more sophisticated authentication process called Transaction Signing, when performing the following transactions: Adding a new payee Updating your email address Performing a high-value funds transfer Sending a secured message