--- title: "Citibank N.A SWIFT/BIC code CITILKLXXXX · Sri Lanka | Elucidate" description: "FSB global systemically important bank (G-SIB), bucket 3 of 5. SWIFT/BIC code CITILKLXXXX for Citibank N.A, Sri Lanka. Head-office BIC." url: https://elucidate.co/directory/citibank-n-a-citilklx --- 1. [Directory](https://elucidate.co/directory) 2. [Sri Lanka](https://elucidate.co/directory/country/lk) 3. Citibank N.A ![CITIBANK N.A logo](https://elucidate.co/images/banks/54/54e2addbbf611ea6.webp) Sri Lanka · Credit institution # Citibank N.A Legal name in the LEI record Citibank, National Association FSB G-SIB list 2025 3 Bucket 3 of 5 · listed since 2011 Main operating bank of a G-SIB · Citigroup [FSB 2025 list ↗](https://www.fsb.org/2025/11/2025-list-of-global-systemically-important-banks-g-sibs/) [What is a G-SIB? ↗](https://www.fsb.org/work-of-the-fsb/market-and-institutional-resilience/post-2008-financial-crisis-reforms/ending-too-big-to-fail/global-systemically-important-financial-institutions-g-sifis/) BIC **CITILKLXXXX** LEI **[E57ODZWZ7FF32TWEFA76](https://search.gleif.org/#/record/E57ODZWZ7FF32TWEFA76)** Licence no. **Not on a tracked register** Connected to Swift [Global systemically important bank · bucket **3**](https://elucidate.co/directory/citibank-n-a-citilklx#regulatory) Market operator · MIC **CBNL** Head-office BIC only [Group: Citigroup Inc.](https://elucidate.co/directory/group/6SHGI4ZSSLCXXQSBB395) [Claim this profile](https://elucidate.co/directory/citibank-n-a-citilklx#claim) ## Licences and registrations Held by the legal entity, not by this BIC This BIC is mapped to LEI E57ODZWZ7FF32TWEFA76 (Citibank, National Association) in the Swift and GLEIF BIC-to-LEI file. The legal entity’s page is [Citibank N.A. (CITIUS33)](https://elucidate.co/directory/citibank-n-a-citius33). None matched by LEI in the 22 tracked registers. Licences belong to the legal entity. Each applies in the country of the regulator that granted it, not to every BIC that carries the LEI. ## Regulatory status ### FSB · global systemically important banks 2025 list - **G-SIB:** Citigroup - **Relation:** Main operating bank of a G-SIBThe G-SIB group’s principal bank, as identified by Elucidate from the FSB list and GLEIF. - **Bucket:** 3 of 5 · extra capital buffer 2.0% of risk-weighted assets - **On the list since:** 2011 ## Swift network Swift’s ISO 9362 BIC directory - **BIC:** CITILKLXXXX head office - **Connection to Swift:** Connected to Swift - **Swift GPI:** Not on the member list - **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC - **Branch codes:** None: head-office BIC only - **Other BICs with this LEI:** [CITIUS33](https://elucidate.co/directory/citibank-n-a-citius33) · [CITIGB2P](https://elucidate.co/directory/citibank-n-a-citigb2p) · [CITIGB2L](https://elucidate.co/directory/citibank-n-a-citigb2l) · [CITIHKHX](https://elucidate.co/directory/citibank-na-citihkhx) · [CITISGSG](https://elucidate.co/directory/citibank-n-a-citisgsg) · [CITIINBX](https://elucidate.co/directory/citibank-n-a-citiinbx) +40 more - **BIC first registered:** 1994-12-03 - **Last updated:** 2025-11-15 ## Identifiers Head-office record - **BIC:** CITILKLXXXX - **How the BIC breaks down:** 1. CITI Bank 2. LK Country · Sri Lanka 3. LX Location 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** [E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citius33) - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/E57ODZWZ7FF32TWEFA76) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Profile - **Type:** Credit institution - **Regulation:** Prudentially supervised (FSB G-SIB list) - **Register licences:** None matched by LEI in the 22 tracked registers - **Country · region:** Sri Lanka · South Asia - **FSB G-SIB list:** [Bucket 3 of 5](https://elucidate.co/directory/citibank-n-a-citilklx#regulatory) list of 2025 - **Trading venues (MIC):** [Operates MIC CBNL](https://elucidate.co/directory/citibank-n-a-citilklx#markets) list of 2026-09-17 - **OFAC sanctions:** No listing cites this BIC - **EU sanctions:** No listing matched this BIC or its LEI - **Country sanctions:** No country programme - **Founded:** 1812 Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records - **Direct parent:** Citicorp LLC · United States[549300PSHWOM1D1JVL23 ↗](https://search.gleif.org/#/record/549300PSHWOM1D1JVL23) - **Ultimate parent:** Citigroup Inc. · United States[6SHGI4ZSSLCXXQSBB395 ↗](https://search.gleif.org/#/record/6SHGI4ZSSLCXXQSBB395) - **FSB G-SIB list:** [Main operating bank of a G-SIB · Citigroup](https://elucidate.co/directory/group/6SHGI4ZSSLCXXQSBB395) bucket 3 · 2025 list The G-SIB group’s principal bank, as identified by Elucidate from the FSB list and GLEIF. The Citigroup Inc. group has 143 institutions in the directory, in 90 countries: all hold a BIC. Including [Citibank Europe PLC](https://elucidate.co/directory/citibank-europe-plc-citiie2x), [Citibank Europe PLC UK Branch](https://elucidate.co/directory/citibank-europe-plc-uk-branch-cittgb21), [Citibank Europe PLC, Germany Branch](https://elucidate.co/directory/citibank-europe-plc-germany-branch-citideff), [Citibank Europe PLC Luxembourg Branch](https://elucidate.co/directory/citibank-europe-plc-luxembourg-branch-citilulx), [Citibank Europe PLC UK Branch](https://elucidate.co/directory/citibank-europe-plc-uk-branch-cittgb2l). [See the Citigroup Inc. group →](https://elucidate.co/directory/group/6SHGI4ZSSLCXXQSBB395) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Registered address:** 65/ C DHARMAPALA COLOMBO 7 888 SRI LANKA - **Operational address:** 67 DHARMAPALA MWATHA COLOMBO 7 COLOMBO SRI LANKA ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC. - **Identified by:** BIC, with its LEI - **Roles in CBPR+:** Any agent, including the instructing and instructed agents ### CBPR+ For cross-border payments on Swift: the BIC, with the LEI and clearing code where known ```xml CITILKLXXXX E57ODZWZ7FF32TWEFA76 ``` ### Full record Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC ```xml CITILKLXXXX E57ODZWZ7FF32TWEFA76 CITIBANK N.A COLOMBO LK 65/ C DHARMAPALA COLOMBO 7 888 ``` The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use. ## Market identifiers One trading venue or reporting service run under this LEI list of 2026-09-17 | MIC | Market | Kind | Category | | --- | --- | --- | --- | | CBNL | CITIBANK N.A. LONDON | Operating MIC | Systematic internaliser | ## About From Wikidata, matched on this institution's BIC or LEI ![Citibank (22431657520)](https://elucidate.co/images/banks/64/6400bf786973073d.webp) Photo: Mike Mozart from Funny YouTube, USA · [CC BY 2.0](https://creativecommons.org/licenses/by/2.0) · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:Citibank_\(22431657520\).jpg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/c/cc/Citibank_%2822431657520%29.jpg/960px-Citibank_%2822431657520%29.jpg?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail) - **Founded:** 1812 - **Headquarters:** New York City - **Website:** [citi.com ↗](https://www.citi.com/) - **Parent organisation:** [Citigroup ↗](https://www.wikidata.org/wiki/Q219508) - **Wikipedia:** [Citibank ↗](https://en.wikipedia.org/wiki/Citibank) - **Wikidata:** [Q857063 ↗](https://www.wikidata.org/wiki/Q857063) ## Related institutions ### Legal entity - [Citibank N.A. BIC CITIUS33 Credit institution Prudential licence United States · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citius33) The page that carries this LEI’s licences and group facts. ### Same legal entity - [Citibank N.A. BIC CITIGB2P Credit institution Prudential licence United Kingdom · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citigb2p) - [Citibank N.A. BIC CITIGB2L Credit institution Prudential licence United Kingdom · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citigb2l) - [Citibank NA BIC CITIHKHX Credit institution Prudential licence Hong Kong SAR China · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-na-citihkhx) - [Citibank N.A BIC CITISGSG Credit institution Prudential licence Singapore · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citisgsg) - [Citibank, N.A BIC CITIINBX Credit institution Prudential licence India · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citiinbx) - [Citibank N.A BIC CITIIDJX Credit institution Prudential licence Indonesia · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citiidjx) - [Citibank N. A., Pakistan BIC CITIPKKX Credit institution Prudential licence Pakistan · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-pakistan-citipkkx) - [Citibank N.A (Manila Branch) BIC CITIPHMX Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-manila-branch-citiphmx) - [Citibank N.A. BIC CITIAEAD Credit institution Prudential licence United Arab Emirates · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citiaead) - [Citibank N.A., New Zealand Branch BIC CITINZ2X Credit institution Prudential licence New Zealand · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-new-zealand-branch-citinz2x) - [Citibank N.A BIC CITIITMX Credit institution Prudential licence Italy · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citiitmx) - [Citibank N.A. BIC CITIECE1 Credit institution Prudential licence Ecuador · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citiece1) Other BICs mapped to the same LEI. ### Subsidiaries in the directory - [Citibank (China) CO., Ltd. BIC CITICNSX Financial institution Not on a tracked register China · Not on a tracked register · LEI IMRQEARW2X0ZMJAJ5J58](https://elucidate.co/directory/citibank-china-co-ltd-citicnsx) - [Citibank Cote D'ivoire SA BIC CITICIAX Financial institution Not on a tracked register Côte d’Ivoire · Not on a tracked register · LEI 549300P8JY7KBLZSXM75](https://elucidate.co/directory/citibank-cote-d-ivoire-sa-citiciax) - [Citibank Maghreb S.A. BIC CITIMAMC Financial institution Not on a tracked register Morocco · Not on a tracked register · LEI 5493003FVWLMBFTISI11](https://elucidate.co/directory/citibank-maghreb-s-a-citimamc) - [Citibank N.A. BIC CITIGALX Financial institution Not on a tracked register Gabon · Not on a tracked register · LEI 549300VCGUSH7TB4IS76](https://elucidate.co/directory/citibank-n-a-citigalx) - [Banco de Honduras, S.A. BIC HONAHNT2 Financial institution Not on a tracked register Honduras · Not on a tracked register · LEI 549300AWRXSFSCNDQZ04](https://elucidate.co/directory/banco-de-honduras-s-a-honahnt2) - [Citibank del Peru S.A. BIC CITIPEPL Financial institution Not on a tracked register Peru · Not on a tracked register · LEI MYTK5NHHP1G8TVFGT193](https://elucidate.co/directory/citibank-del-peru-s-a-citipepl) - [Citibank Senegal BIC CITISNDA Financial institution Not on a tracked register Senegal · Not on a tracked register · LEI 5493004OQLIOSZL7YK83](https://elucidate.co/directory/citibank-senegal-citisnda) - [Citibank Zambia LTD BIC CITIZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 549300EGEGS2CVNRJJ82](https://elucidate.co/directory/citibank-zambia-ltd-citizmlu) - [Citigroup Congo SA BIC CITICDKX Financial institution Not on a tracked register Congo - Kinshasa · Not on a tracked register · LEI 549300SFOI1RG2567H85](https://elucidate.co/directory/citigroup-congo-sa-citicdkx) - [CJSC Citibank Kazakhstan BIC CITIKZKA Financial institution Not on a tracked register Kazakhstan · Not on a tracked register · LEI 95XXGORQK31JZP82OG22](https://elucidate.co/directory/cjsc-citibank-kazakhstan-citikzka) Entities that GLEIF records with this LEI as their direct parent. ### Same group - [Citibank Europe PLC BIC CITIIE2X Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI N1FBEDJ5J41VKZLO2475](https://elucidate.co/directory/citibank-europe-plc-citiie2x) - [Citigroup Global Markets Europe AG BIC SBILDEFF Credit institution Prudential licence Germany · On the ECB list of supervised entities · LEI 6TJCK1B7E7UTXP528Y04](https://elucidate.co/directory/citigroup-global-markets-europe-ag-sbildeff) - [Banco Citi Mexico S.A., Institucion de Banca Multiple, Grupo Financiero Citi Mexico BIC CITIMXMM Financial institution Not on a tracked register Mexico · Not on a tracked register · LEI 529900H31AYI6WA1J534](https://elucidate.co/directory/banco-citi-mexico-s-a-institucion-de-banca-multiple-grupo-financiero-citi-mexico-citimxmm) - [Banco Nacional de Mexico S.A. Integrante del Grupo Financiero Banamex BIC BNMXMXMM Financial institution Not on a tracked register Mexico · Not on a tracked register · LEI 2SFFM4FUIE05S37WFU55](https://elucidate.co/directory/banco-nacional-de-mexico-s-a-integrante-del-grupo-financiero-banamex-bnmxmxmm) - [Citibank Canada BIC CITICATT Financial institution Not on a tracked register Canada · Not on a tracked register · LEI YJW4XPRSVL5L1ANG2086](https://elucidate.co/directory/citibank-canada-citicatt) - [Citibank UK Limited BIC CIUKGB2L Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI 549300U8H3KN0K301B23](https://elucidate.co/directory/citibank-uk-limited-ciukgb2l) - [Citibank Berhad BIC CITIMYKL Financial institution Not on a tracked register Malaysia · Not on a tracked register · LEI QINWV8RCPXRMH5IWUL13](https://elucidate.co/directory/citibank-berhad-citimykl) - [Citigroup Global Markets Limited BIC SBILGB2L Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI XKZZ2JZF41MRHTR1V493](https://elucidate.co/directory/citigroup-global-markets-limited-sbilgb2l) [All 143 institutions in the Citigroup Inc. group →](https://elucidate.co/directory/group/6SHGI4ZSSLCXXQSBB395) ### Same name, different BIC - [Citibank N.A BIC CITITHBX Credit institution Prudential licence Thailand · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citithbx) - [Citibank N.A BIC CITIVNVX Credit institution Prudential licence Vietnam · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citivnvx) - [Citibank N.A. BIC CITIBDDX Credit institution Prudential licence Bangladesh · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citibddx) - [Citibank N.A. BIC CITIBHBX Credit institution Prudential licence Bahrain · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citibhbx) - [Citibank N.A. BIC CITIILIT Credit institution Prudential licence Israel · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citiilit) - [Citibank N.A. BIC CITIKENA Credit institution Prudential licence Kenya · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citikena) - [Citibank N.A. BIC CITIPYP1 Credit institution Prudential licence Paraguay · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citipyp1) - [Citibank N.A BIC CITITNTX Credit institution Prudential licence Tunisia · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-cititntx) - [Citibank N.A. BIC CITIBSNA Credit institution Prudential licence Bahamas · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citibsna) - [Citibank N.A. BIC CITICHZZ Credit institution Prudential licence Switzerland · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citichzz) - [Citibank N.A. BIC CITICMCX Credit institution Prudential licence Cameroon · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citicmcx) - [Citibank N.A. BIC CITIKWKW Credit institution Prudential licence Kuwait · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citikwkw) ### Largest institutions in Sri Lanka - [Bank of Ceylon BIC BCEYLKLX Financial institution Not on a tracked register Sri Lanka · Not on a tracked register · LEI 254900QP6R03LS83RQ52](https://elucidate.co/directory/bank-of-ceylon-bceylklx) - [Deutsche Bank AG, Colombo Branch BIC DEUTLKLX Credit institution Prudential licence Sri Lanka · On the ECB list of supervised entities · LEI 7LTWFZYICNSX8D621K86](https://elucidate.co/directory/deutsche-bank-ag-colombo-branch-deutlklx) - [State Bank of India BIC SBINLKLX Financial institution Not on a tracked register Sri Lanka · Not on a tracked register · LEI 5493001JZ37UBBZF6L49](https://elucidate.co/directory/state-bank-of-india-sbinlklx) - [People S Bank BIC PSBKLKLX Financial institution Not on a tracked register Sri Lanka · Not on a tracked register · LEI 254900J768NZYO950M41](https://elucidate.co/directory/people-s-bank-psbklklx) - [Central Bank of Sri Lanka BIC CBCELKLX Financial institution Not on a tracked register Sri Lanka · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/central-bank-of-sri-lanka-cbcelklx) - [Hatton National Bank PLC BIC HBLILKLX Financial institution Not on a tracked register Sri Lanka · Not on a tracked register · LEI 2549005Q9UPJZP9QN894](https://elucidate.co/directory/hatton-national-bank-plc-hblilklx) - [Seylan Bank PLC BIC SEYBLKLX Financial institution Not on a tracked register Sri Lanka · Not on a tracked register · LEI 254900O7DOLZ5CJ31S96](https://elucidate.co/directory/seylan-bank-plc-seyblklx) - [Standard Chartered Bank BIC SCBLLKLX Credit institution Prudential licence Sri Lanka · On the FSB G-SIB list · LEI RILFO74KP1CM8P6PCT96](https://elucidate.co/directory/standard-chartered-bank-scbllklx) [See every BIC in Sri Lanka →](https://elucidate.co/directory/country/lk#bics) Claim this profile ## Work at Citibank N.A? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. Sources & method Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name. Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists. The sanctions facts on this page cover the BIC and its LEI only. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Credits for this page - **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts. - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Citigroup · Public domain · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:Citi_logo_March_2023.svg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/7/73/Citi_logo_March_2023.svg/330px-Citi_logo_March_2023.svg.png?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail). ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.