P3,500 Rebate on your Note9 with 0% Citi PayLite at Samsung Promotion Terms and Conditions

1. The P3,500 Rebate with 0% Citi PayLite at Samsung (“Promo”) shall run from September 1 to 30, 2018 (“Promo
Period”).

2. The Promo is open to all Principal and Supplementary Cardholders whose cards have been locally issued by
Citibank, N.A. Philippines (“Cardholder”), are active and in good credit standing and with available relationship limit
and account credit limit, as applicable, and who are not prohibited under Applicable Gifts, Anti-Bribery and
Corruption laws, regulations, and policies from participating in and/or qualifying for this Promo.

3. A Cardholder who purchases one (1) unit from any of the available participating items at participating outlets of
Samsung (“Participating Outlets”) at 0% Citi PayLite at 12 or 24 months tenor within the Promo Period (“Qualified
Transaction”) will be entitled to redeem the P3,500 Rebate Promo offer. This will be in a form of a rebate credited
to the Citi credit card.

4. Refer to Annex A-1 for the full list of participating Items. Refer to Annex A-2 for a list of participating Samsung
Experience Stores.

5. The Qualified Transaction must be swiped separately from any other purchase made by the Cardholder at
Participating Outlets. The Promo offer is not valid for redemption if the purchase includes non-participating items.

6. To redeem the P3,500 rebate, the qualified Cardholder must visit the PayLite redemption page
(www.citibank.com.ph/redeem) starting September 1 to November 30, 2018 (“Redemption Period”). On the
redemption page, the qualified Cardholder needs to input the following information:

a. Unique promo code Note9 + the last 6 digits of the Citi credit card used for the transaction.
b. The six (6) digit transaction approval code that can be found on the valid charge slip of the
qualified PayLite Transaction.

Failure to provide the above information correctly and completely will result to non-awarding of the rebate.

7. The qualified Cardholder can only earn the rebate for the first qualified PayLite Transaction on one (1) Card,
regardless of the number of Citi Cards, whether through principal or supplementary usage and number of
transactions. Any purchase in excess of the first qualified transaction for (1) unit shall not be qualified for the Promo
offer.

8. For valid redemptions, the monthly installment due will still be billed in full for 12 or 24 months. The P3,500 rebate
will be credited one-time to the Cardholder’s Card within 30 calendar days from the last day of the redemption period.
The Card must be in good credit standing during the Promo Period and at the time of awarding of the rebate. The
rebate will accrue on the principal Card account only, but can be earned through supplementary card usage.

9. Only Citi PayLite Installment Plan transactions with charge slips will be valid for redemption. Straight retail
transactions, online transactions, foreign currency transactions, auto-charge transactions (e.g. auto-debit facilities for
utilities, telecommunications, insurance premiums, etc.), payments through Citibank Online, payments through
Citimobile, internet-based purchases, Click for Cash, Call for Cash transactions, Balance Conversion transactions,
PayLite after Purchase transactions, Balance Transfer transactions, and Cash Advance transactions are excluded from
the Promo. Citibank and the Merchant will not honor redemptions using official receipts, photocopies of the charge slip
or the Citi Statement of Account. Additionally, the following transactions will not be considered eligible for the Promo:
online and non-online purchases made in casinos and at merchants specifically engaged in wholesale and distribution
(example: warehouse clubs, networking companies, multi-level marketing entities), and transactions that are
subsequently cancelled, charged back, refunded or are deemed fraudulent or unauthorized.

10. The offer is not valid in conjunction with other discounts, privileges, vouchers or any other promotions.

11. The offer is not convertible to cash, credit or other goods and services, and any rebate is not transferable to another
Card or to any person.
12. In case of dispute with respect to the Cardholder’s eligibility, coverage of dates, fulfilment, etc., Citibank’s decision
shall prevail. All questions or disputes regarding the Cardholder’s eligibility for the Promo shall be jointly resolved by
Citibank and Samsung with the concurrence of DTI

13. Fraud, abuse or any unauthorized action relating to the credit card transaction, or the participation in the Promo,
may result in the disqualification of the Cardholder from the Promo, suspension or cancellation of Card privileges, or
the charging of the full cost of the rebate to the Cardholder’s Card account, at Citibank’s discretion. This shall be without
prejudice to any legal action that may be taken by Citibank and/or Samsung.

14. Citibank is not an agent of any of the participating merchants or outlets and makes no representation as to the
quality of the products provided. All feedback regarding quality of the products provided should be directed to the
respective merchant or outlet.

Per DTI-FTEB SPD Permit No. 14973, Series of 2018.

Annex A-1. List of Participating Items

PRODUCT MEMORY SRP (PHP)

Samsung Galaxy Note9 128GB 55,990
Samsung Galaxy Note9 512GB 75,990
Annex A-2. Samsung Experience Stores
12 MONTHS
WIRECOMM SM STA MESA
SILICON VALLEY ROB ILOCOS
SAMSUNG SM SUCAT
SAMSUNG SM MARILAO
SAMSUNG SM CUBAO
SIENA MOBILE MARKET MARKET
SAMSUNG SM VALENZUELA
SAMSUNG CLOVERLEAF
SAVE N EARN TAGBILARAN SQUARE
SAVE N EARN ISLAND CITY MALL
RC GOLDLINE J CENTER MANDAUE
SAMSUNG ROB MAGNOLIA
SAMSUNG SM AURA
SAMSUNG SM NOVALICHES
POS DIGITAL ROB BACOLOD 2
POS DIGITAL SM BACOLOD
SAMSUNG SHANGRILA PLAZA
SAMSUNG PDI ROB DUMAGUETE
SAMSUNG PDI POWER PLANT
GRAPHIC ALL IN CDO
GRAPHIC ALL IN LKK CDO
GRAPHIC ALL IN SM CDO
SAMSUNG GLORIETTA 4
SAMSUNG SM MARIKINA
SAMSUNG SM NORTH EDSA ANNEX
SAMSUNG SM PAMPANGA
SAMSUNG STA LUCIA
SAMSUNG SM OLONGAPO
SAMSUNG GLORIETTA2
SAMSUNG SM SAN LAZARO
SAMSUNG MC SMDC
SAMSUNG MC SM BALIUAG
MEETROVI KCC MALL
JUNREX AYALA CEBU
JUNREX SM CEBU
SAMSUNG SM MEGAMALL
SAMSUNG BGCI FESTIVAL MALL
SAMSUNG ROBINSONS MANILA
SAMSUNG ROBINSONS GALLERIA
SAMSUNG ANGONO
SAMSUNG FAIRVIEW TERRACES
FONE STYLE SM STA ROSA
SAMSUNG SM SAN MATEO
FONE STYLE ATC
SAMSUNG SM MASINAG
SAMSUNG EMCC UPTOWN BGC
SAMSUNG GREENHILLS
SAMSUNG GATEWAY
COMWORKS SM BATANGAS
COMWORKS SM CALAMBA
COMWORKS SM NAGA
COMWORKS FISHERMALL
SAMSUNG SM SANGANDAAN
SAMSUNG AYALA LEGAZPI
CELLCOM WORLD ROB TACLOBAN
BSD SM BACOOR
RULLS SM FAIRVIEW
RULLS SM SOUTHMALL
RULLS SM TAYTAY
TECHNOKID SM BF
AEROPHONE SM CONSOLACION
SAMSUNG SM SEASIDE CEBU
AEROPHONE ROB GAL CEBU
AEROPHONE CEBU PARKMALL
SAMSUNG 81 SM LANANG
SAMSUNG 81 VICTORIA PLAZA
24 MONTHS
WIRECOMM SM STA MESA
SILICON VALLEY ROB ILOCOS
SAMSUNG SM SUCAT
SAMSUNG SM MARILAO
SAMSUNG SM CUBAO
SIENA MOBILE MARKET MARKET
SAMSUNG SM VALENZUELA
SAMSUNG CLOVERLEAF
SAVE N EARN ISLAND CITY MALL
RC GOLDLINE J CENTER MANDAUE
SAMSUNG ROB MAGNOLIA
SAMSUNG SM AURA
SAMSUNG SM NOVALICHES
POS DIGITAL ROB BACOLOD 2
POS DIGITAL SM BACOLOD
SAMSUNG SHANGRILA PLAZA
SAMSUNG PDI ROB DUMAGUETE
SAMSUNG PDI POWER PLANT
GRAPHIC ALL IN CDO
GRAPHIC ALL IN LKK CDO
SAMSUNG GLORIETTA 4
SAMSUNG SM MARIKINA
SAMSUNG SM NORTH EDSA ANNEX
SAMSUNG SM PAMPANGA
SAMSUNG STA LUCIA
SAMSUNG SM OLONGAPO
SAMSUNG GLORIETTA2
SAMSUNG SM SAN LAZARO
SAMSUNG MC SMDC
SAMSUNG MC SM BALIUAG
MEETROVI KCC MALL
SAMSUNG SM MEGAMALL
SAMSUNG BGCI FESTIVAL MALL
SAMSUNG ROBINSONS MANILA
SAMSUNG ROBINSONS GALLERIA
SAMSUNG ANGONO
SAMSUNG FAIRVIEW TERRACES
FONE STYLE SM STA ROSA
SAMSUNG SM SAN MATEO
FONE STYLE ATC
SAMSUNG SM MASINAG
SAMSUNG EMCC UPTOWN BGC
SAMSUNG GREENHILLS
SAMSUNG GATEWAY
COMWORKS SM CALAMBA
COMWORKS SM NAGA
COMWORKS FISHERMALL
SAMSUNG SM SANGANDAAN
SAMSUNG AYALA LEGAZPI
CELLCOM WORLD ROB TACLOBAN
BSD SM BACOOR
RULLS SM FAIRVIEW
RULLS SM SOUTHMALL
RULLS SM TAYTAY
TECHNOKID SM BF
AEROPHONE SM CONSOLACION
SAMSUNG SM SEASIDE CEBU
AEROPHONE ROB GAL CEBU
AEROPHONE CEBU PARKMALL
SAMSUNG 81 SM LANANG
SAMSUNG 81 VICTORIA PLAZA
 P4,000 Rebate on your Note9 at Samsung Promotion Terms and Conditions

1. Customer to purchase the new Galaxy Note9 via straight payment using a local Citibank credit card
from any participating store. See Annex A for the complete list of participating stores.

2. Customer will get a credit cashback of P4,000 which will immediately be deducted from the Galaxy
Note9’s SRP upon swiping the card.

Model SRP Cashback Promo SRP

Galaxy Note9 (128GB) P55,990 P51,990
P4,000
Galaxy Note9 (512GB) P75,990 P71,990

3. The cashback is not convertible to cash.

4. This promo cannot be combined with other promotions.

Per DTI FTEB Permit No. 15037, Series of 2018.

ANNEX A: Participating Samsung Experience Stores and Select Abenson Stores
SAMSUNG EXPERIENCE STORE ABENSON STORES
1 SM LANANG PREMIERE 1 ABENSON ASCOTT
2 VICTORIA PLAZA 2 ABENSON AVANT TRINOMA
3 SM CONSOLACION 3 ABENSON CABANATUAN 2
4 SM SEASIDE CEBU 4 ABENSON ERMITA 2
5 ROBINSONS CEBU 5 ABENSON EVER COMMONWEALTH
6 CEBU PARKMALL 6 ABENSON EW FARMERS
7 SM NOVALICHES 7 ABENSON GLORIETTA 1
8 SM BACOOR 8 ABENSON GLORIETTA 3
9 SM FAIRVIEW 9 ABENSON MALABON
10 SM SOUTHMALL 10 ABENSON STA. MARIA
11 SM TAYTAY 11 ABENSON THE FORT
12 SM BF PARANAQUE 12 ABENSON VENTURES AVANT ATC
13 ROBINSONS TACLOBAN 13 ABENSON VENTURES FILINVEST
14 SM CALAMBA 14 ABENSON VENTURES WM TANAUAN
15 SM NAGA 15 ABENSON WALTERMART MAKATI
16 FISHER MALL 16 ABENSON WM NORTH EDSA (MUNOZ)
17 SM SANGANDAAN 17 ELECTROWORLD GLORIETTA 2
18 AYALA MALL LEGAZPI 18 ELECTROWORLD LUCKY CHINA TOWN MALL
19 UPTOWN MALL BGC 19 ELECTROWORLD MALL OF ASIA 2
20 GREENHILLS 20 ELECTROWORLD SM CITY MANILA
21 GATEWAY MALL 21 ELECTROWORLD SM CITY NORTH EDSA
22 SM STA. ROSA 22 ELECTROWORLD SM DASMA
23 SM SAN MATEO 23 ELECTROWORLD SM MEGAMALL
24 ALABANG TOWN CENTER 24 ELECTROWORLD SM SAN LAZARO
25 SM MASINAG 25 ELECTROWORLD TRINOMA
26 AYALA FAIRVIEW TERRACES
27 FESTIVAL MALL
28 ROBINSONS MANILA (ERMITA)
29 SM ANGONO
30 SM MEGAMALL
31 SM SAN LAZARO
32 SMDC LIGHT MALL
33 SM BALIWAG
34 GLORIETTA 3
35 SM MARIKINA
36 SM NORTH EDSA
37 SM PAMPANGA
38 STA LUCIA EAST MALL
39 SM OLONGAPO
40 GLORIETTA 2
41 AYALA CENTRIO MALL
42 LIMKETKAI MALL
43 ROBINSON'S BACOLOD
44 SM BACOLOD
45 SHANGRI-LA PLAZA MALL
46 ROBINSONS DUMAGUETE
47 ROBINSON'S MAGNOLIA
48 SM AURA
49 J CENTRE MALL CEBU
50 ISLAND CITY MALL (ICM) BOHOL
51 SM MARILAO
52 SM CUBAO
53 MARKET MARKET
54 SM VALENZUELA
55 ROBINSONS PLACE ILOCOS
56 SM SUCAT
57 SM STA. MESA
 CITI PAYLITE INSTALLMENT PLAN TERMS AND CONDITIONS

In these Terms and Conditions (“Terms and Conditions”), “Card” means all credit cards issued by us, Citibank, N.A.
(Philippine Branch) (also referred to as “we”, “our”, or “us”), while “you” refers to the Cardholder or the person who has
one or more Cards issued by us. Your availment of the Citi PayLite Installment Plan means you agree to the following
Terms and Conditions:

1. The Citi PayLite Installment Plan is a Card facility that allows you to pay for select goods and services from
accredited Citi PayLite merchants in the Philippines, together with the applicable interest and other fees, on
installment basis (“Installment Transaction”).

Citi PayLite is available for single-receipt purchases of at least Php3,000 or such other amount as may be
determined by Citibank from time to time. It is available only to Cardholders in good credit standing and is subject
to approval based on the available Relationship Limit or Account Credit Limit, as applicable, at the time of purchase.

2. You may pay for your purchases via Regular or 0% Citi PayLite Installment Plan:

a. Purchases availed under the Regular Citi PayLite Installment will be subject to the prevailing Citi PayLite
interest rates which may change from time to time. The applicable interest rates at booking may also vary
from time to time and for each Citi PayLite merchant. To check the applicable interest rates, you should
inquire about the Citi PayLite terms of your chosen merchant before availing.

Your availment of the Citi PayLite Installment Plan means you agree to pay us interest on the purchase price
of goods or services (“Principal Amount”) on the dates specified in the Statement of Account at the applicable
converted monthly factor rate with a corresponding effective interest rate per annum based on the outstanding
principal balance and the Term as follows:

RATES BELOW ARE SUBJECT TO CHANGE IN LINE WITH SPECIAL PROMOTIONAL OFFERINGS

REGULAR PAYLITE CONVERTED MONTHLY FACTOR RATES

Term Converted Effective Interest

Monthly Factor Rate (Per Annum)**
Rate*
3 months 1.74% 35.88%
6 months 1.54% 35.83%
9 months 1.58% 38.40%
12 months 1.50% 36.76%
18 months 1.66% 41.09%
24 months 1.69% 41.32%

SPECIAL CONVERTED MONTHLY FACTOR RATES FOR SELECT AUTO, HOME IMPROVEMENT,
HOSPITAL/MEDICAL, SCHOOLS & TRAVEL AGENCIES
 Term Converted Effective Interest
Monthly Factor Rate
Rate* (Per Annum)**
3 months 1.00% 19.46%
6 months 1.00% 22.29%
9 months 0.75% 17.13%
12 months 0.75% 17.48%
18 months 0.75% 17.71%
24 months 0.75% 17.72%

SPECIAL CONVERTED MONTHLY FACTOR RATES FOR MARIE FRANCE, FACIAL CARE CENTER AND
SVENSON

Term Converted Effective Interest

Monthly Factor Rate
Rate* (Per Annum)**
3 months 0.75% 14.31%
6 months 0.75% 16.38%
9 months 0.75% 17.13%
12 months 0.75% 17.48%
18 months 0.75% 17.71%
24 months 0.75% 17.72%

*The Converted Monthly Factor Rate is presented as a guide that you can use to derive the Monthly Installment
Due (principal plus interest).
**The Effective Interest Rates above are based on interest computed on a fixed 30-day period per month. The
actual EIR may be higher or lower as the interest portion of your first monthly instalment due is computed
based on the actual number of days between approval date and one day before statement date, which may
be more or less than 30 days.

b. Subject to Section 5, the price of items purchased under the 0% Citi PayLite Installment Plan will be interest-
free for the duration of the installment plan. The 0% Citi PayLite Installment Plan is available for selected
items at 3, 6, 9, 12, 18 and 24-month terms or as otherwise specified by the merchant offering the 0% Citi
PayLite Installment Plan.

3. The monthly installment due for your Installment Transaction (“Monthly Installment Due”) is included in the
Minimum Amount Due in your Statement of Account until the Principal Amount and the applicable interest are paid
in full.

You may compute the Monthly Installment Due by using the following formula:

Principal Amount x [1+(Converted Monthly Factor Rate x Term)]

------------------------------------------------------------------------------------------------------------
Term

The Monthly Installment Due comprises the interest and principal components and is computed on a diminishing
balance basis. The interest and principal components of the Monthly Installment Due vary each month and are
computed as follows:

 Interest component:
Prior month’s outstanding principal balance x monthly Effective Interest Rate (EIR), where monthly EIR = (1
+ Annual EIR) 1/12 – 1.
  Principal portion:
Monthly Installment Due - interest component for the month.
2.

4. The interest charge on the first Monthly Installment Due is computed based on the number of days between the
approval date of the Installment Transaction and Statement Date, which is the date when your statement is
generated after each billing cycle. The interest on succeeding Monthly Installments Due is computed based on a
fixed 30-day period. This will result in the first Monthly Installment Due being different from succeeding
subsequent ones.

Citi PayLite Installment Plan

Sample Schedule of Payment

PRINCIPAL AMOUNT Php10,000 TERM 12 MONTHS

CONVERTED MONTHLY FACTOR RATE 1.50% EIR 36.76%

MONTHLY OUTSTANDING
# OF DAYS INSTALLMENT INTEREST PRINCIPAL PRINCIPAL
INSTALLMENT DUE COMPONENT COMPONENT BALANCE
MONTH ON BALANCE (Php) (Php) (Php) (Php)
0 10,000.00
1 30 983.33 264.30 719.03 9,280.97
2 30 983.33 245.30 738.03 8,542.94
3 30 983.33 225.79 757.54 7,785.39
4 30 983.33 205.77 777.56 7,007.83
5 30 983.33 185.22 798.11 6,209.72
6 30 983.33 164.12 819.21 5,390.51
7 30 983.33 142.47 840.86 4,549.65
8 30 983.33 120.25 863.08 3,686.56
9 30 983.33 97.44 885.90 2,800.67
10 30 983.33 74.02 909.31 1,891.36
11 30 983.33 49.99 933.34 958.01
12 30 983.33 25.32 958.01 0.00
TOTAL 11,800.00 1,800.00 10,000.00

5. If you pay less than the Total Amount Due indicated in the Statement of Account, the unpaid portion of the Monthly
Installment Due is subject to the prevailing monthly retail Interest Charge. Interest is compounded monthly. Usual
Late Charges also apply.

In addition, if your Card account is past due for 60 days or more, the Installment Transaction will be cancelled. Any
remaining unpaid balance will be billed to the Card account in full and will be subject to the prevailing monthly retail
Interest Charge. Please refer to the Citi Card Fees and Charges for the prevailing rates, fees and charges. This
can be viewed at www.citibank.com.ph.

6. If you wish to cancel an Installment Transaction before its Term ends, you may do so without a prepayment penalty.
In that case, you agree to pay in full the unpaid portion of the Principal Amount and the cancellation processing
fee of Php300, plus the pro-rated Interest Charge on the cancelled Installment Transaction from the last Statement
Date until the date of cancellation. In case of promotions where we give you a premium item/s (which include
 promotional items, Usage Privileges, etc.), we may charge the full monetary equivalent of the premium item should
you cancel the Installment Transaction.

APPLICABLE FEES AND CHARGES:

Cancellation Processing Fee = Php300

7. You acknowledge that your Installment Transaction will be maintained for the Term stated in the charge slip or
other documents furnished to you and that we have already incurred cost of funds and committed yield to fund
sources to finance the Installment Transaction. In case you pre-pay any Installment Transaction before the lapse
of the Term, you agree to reimburse us for any loss or additional cost, including but not limited to processing the
pre-payment.

8. In case of (a) any change in law or regulations which gives rise to new additional taxes, higher reserve requirements
or similar events, or (b) significant change in the economic environment, we may adjust any applicable charges
and Installment interest even before the Term expires.

9. Upon your availment, we already pay for the goods or services in full. In the event that a Citi PayLite merchant
from whom you purchased the goods or services for future delivery ceases to operate, you will still be liable to pay
for all unpaid Citi PayLite Installments.

10. Please be advised that by availing of Citi PayLite Installment Plan through your Citi credit card/s, you are providing
your explicit consent to Citi’s Data Processing, Profiling and Sharing provisions and to the updated Citi Card
Agreement and the Citi Card Fees and Charges. For the full Consent and the Data Privacy Statement and latest
version of the Citi Card Agreement and the Citi Card Fees and Charges, please go to www.citibank.com.ph

11. All Citi PayLite Installment purchases are subject to the Citi Card Agreement and all related provisions of the Citi
Installment Facilities.

12. These Terms and Conditions should be read together with the Citi Card Agreement, to produce a result that is
harmonious and consistent. In the event of any inconsistency or conflict between these Terms and Conditions and
the Citi Card Agreement, these Terms and Conditions will prevail in relation to the Principal Amount applied under
the Facility.

For any concerns, you may send us a message through www.citibank.com.ph.

Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 708-7087
and e-mail address -consumeraffairs@bsp.gov.ph