CITI PERSONAL LOAN AND CITI CREDIT CARDS APPLICATION FORM ‘Mandatory Fs Ie Pena erates (oI ‘Amount apled for Pop purpose Proase choose ore) ewse/e pense Tut ree eran Det covseoaten FuntuelAsoance Mads Erpenene Perr Buines prchoe Aster Voom press Of Baron apa ova Rap, Rnonaton) ‘Tax No. cr | 5/0816 /UMID No ‘scurrant home address Nalng Address Current Home adress Permanent aderessDusess aeérat otc ne are wae to wry yout beerrea mig notes wey exe yout ‘spusiess Email Acaress Personal sBusiess PAPERLESS BANKING Enjoy bankieg security and convenience In one. CE oe Be Citi Simplicity Card citi Rewards Card Applicant's signature choot htmy cred caning ary extn Ca, lb bec tte Rett {isitas nuatrahis iste anima Snr hat Leases sya ny Carded [ny Caer cue at encenaneReutonanp Um. ns PTneP# ce Msabmwnk anaes Pa ‘Fullname Print inal aps. “Name fo apper on Card (mainum 18 spaces) “ate of beth (mtr) | cancer Male Female “Mothers fll maiden name ‘Title Mr MS. Mrs. | Clilstatus Single Married thers "Place of rth vane nse ot yeaa) Ceuntry — Philippines Others pl specty Cty or Muriepatty ‘Nationality Flipino ters, ps specty Home ‘Owned, mortoaged _ Owree. not mortoaced ‘onnerstio — Ronted With rolatios/parente Edveetions! | Clemertary allege oes level ighseneo! —__ Mester/2nO CER “Employment Sector Private Public Setrempoyed thers, Nevof years with ‘Years in business prevent empioyer Gcicemiayed) ‘employer/butinass name Pestiono> ute Nature of business/ndurtry ‘Total nae years working “Source's fuss cong rbwitace Rental cere ot Funds Senate cement EpetnsParently PersonaiSavnas prea Seis satey set Prepety loon Sin Testrine ‘Business eres SETS TR SRS RRS $$} Zipeode Dusiness phone tocet Best dey/ime ores annual freoneet come Ph Cae ‘bp you have an existing persoratfoen with ch Loan acceunt It you have an ecleting creditcard lnsud by Citibank, WA (excuding supplementary ‘eats peate declares reat tint Php. cars : :Gane TY you have existing crit cards wth other Banks (excluding supplementary ards) Diese deca ‘Card : Bank Nome ‘creat init Pp cars : : : ‘card 2: Bank Name ‘credit Limit Phe cars : Polina es ‘Ne youareative or busines partner of ny fe, rector or locale of Conk, NA? Lives C1N0 tyessinseate relations down your persona references below. if sll-emloyes, lease fst cetals Pleate i ttyourCPA andtracerelerences RELATIONSHIP ‘NAME PHONeNo. | "Ha Trade relronce CEN eee carty that an the oma of bushes, weet ts tal sss esse vale of he non Wh ‘nybuses see pan sndecubment ae situates amout te ease chee ot et pre hin hymen more ta Pps monte Pa on re thar Po mint F00miioe ‘aston dor auen business eve a ests have a flog unde re than hod min | ‘rama or more tar Pp tos te pio min cateae) A myowies eset a {steed mh apgronrat grr apres. Free cry ht aaa andl con th the ati ocercr resets ‘uate nS eer 62, a1 amendedoy BS ar OSS | nartans ta nan compance wh ‘Serayurmont ease! one jection ol my sppeaton jtiano uta stuesan ot Te DRR, bal ae RG ale weaved oaiat ever toe coved ane wanes ‘fiat tne etteatons eve were my Bove, Vn incre renee vo (ON GL ‘a Blsapoeation om. eter Cart” mens any crested y Cibank. NA Pile Branch Sao ates ton apc reef epson whos ple ooo ‘hte “ahole- nen tegen wos tee ave By the Sh moter hog eset Gre ors a ara on mais hws an sy toy {Drtertnd toc my spans prev aa Pr Lon ak vial erat tim fom whi mayartn un Tecte in tebe use pene nye stndeg tralosaet ochre Itetrer austin atthe bark at isco, ale ono ces ina s my tesonsotytoponae re ane. prove. are 3c Carel Cit Pwrsna Lon customer, on tedewitngpcer, ‘gee myname acts (TR, Sted Func Stata APS) BSSppr ef my eran sonora oreo ene ny aol eova ear baer er erect he fest eure tomy CX creat card CX Pra {Saver nsucn fund say bavi on my cee Below Is tre tele of Ci rect card Fevs ond Charge CITICREDIT CARD FEES AND CHARGES. 1301 October 2018, Otver Fees and Charges for Cit eet cores gicash Advance | PhPSOOD or 3% oi cticarh Advance Amour, wichoe| Strige urge” | Eager wonty PhPBSO ar re vous uninum Ove Ancit, wrcnerer Bene love (eens Fenny 120), tate nargs drat appt it Sms, {vow tt anntOve tastes tenets PPSOO 2. rhe sumettte tension PAPSOO, weve er haya Gu Aree 3 interest charger " it erge a 5: vot Ancor ue ss tt 4, nite oy tne recutes “carer agar carrie wi aarainy bcamared 12 Shin bre ene pacino ste peeing erie ‘nt eterno Wsa/nasercare.et W910 3.525% Aitoe pores en the converte mount whe rereens 6 Treo este es ree Waahne ire Minimum Arnount Due erelgn Transaction ‘Service Fee ‘Gi Speed Cashase Eomtasetieetie’ | PhpSOwivecurcecter ie aeiver te angers creck Sete | vat unae teil Seed Cas ay Detect ehage PhD3OO sopicauetocuirayite ane cui Payite ter Processing Fee 4% «1 uoniteaporton o the Principal amount ppcade to cit ‘anrce Conversion Ctl Balance Transfer, ane Ct Speed ash. Sage Rerccemert | PhpAOO re nen soencwrs PAPSOO so ityeurreatienship atnee tne nalonce across yar credit coesncng voles ericson nto tions any exends your Relea Umit (RL sheetyou faci ccont Crt ine Fo ccountblance| ‘receds yout fereunt Cree Lint Th Tee wil sply on te sane ar or brceedes rose uot Accout Creat Cin aa willbe Ovenime ree | Etldedetie Ewatnts Sonsiclon ma eased een {Facet Galince remains even In seceedng moth ¢ PhPBOO overt remit cnrgespermanin ce Fevs one apn te cisipay eteret chect | PNT, SOO wate argc te rey check it tra ot bia _stop payment order, atterations | Php250 ter ea ctarge sip reeves upon your recuest, Stee, | bentetee rest these oun ibe cane oyna tcchaurs terete eta arta enonivald eo Ditureemert | PhP2SO tor eacnoyrovev ct Balance retro Lend | Spees Casn transaction. ‘tints oro Hens Emtees S | aporoved PincpatAmeunt Monty 18H {Chi oytite Ater™ | approval at othe statement date)/ 30 anys Bereneee; nd ‘Specs cust ‘low a the tale of GHi Personal Loans ees and charges as of October 2018, LOAN FEES AND CHARGES: Annwal Membership Fees Card Type Ea Cn SET oe aged on ee Saad 360 fy fn comptes on oy Php2,500 Phpt,250 A eee acne ensioive | yeast tae fee Interest Rates Disbursement Php, 750 to: cach sisburserert. ‘Retail Monthly Etfective Interest Rate! 3.50%" Documentary PhP1.5O ter very PhPZOO ct con amount. which is | Seer Ren | PALS a enpZOO Chica ct enya), 364%, eae ee Etfectve interest rate ‘stnate uur cash tows tveugh the Me te on oe et “smountof oan proces (2SP Creuse NO 730, S201,“The EIR whic Includes the monthly etre Osbursement Fee ané Etfectve interest 051 b computes t 32.05% eg a sange oan arountot Rats Cant) raped 000 a 30 monite.enct Cio ected st ‘isoreSatenet ‘genre B% ot ine esos principal component oth oan hate Fite Fee | Fens Returned erect | PAPT,5OO wi oe cares or evry nc tnt etree Fee’ ‘rma rounces aie oinsuienc funds, nese cepts, ‘op pam orc ateraons erasure, ora ster Php500 o: 6% ct ine overeue Arount whichever Monthy Late gn lease se the cit Personal Los Tes an corians ot Chara’ ver citdonccompn bos to:te ait of Over Acute Monty Interest Charge” or “interest Charge” means the Imterest computes esing te ony revonny intrest. ZAZY conn inerest Rete eppied onan oa tre {toning on ay np fees or i) onthe Teal Monthiy Interest | Atount ve when ay Ct Pe'snal Loans in eta a 60 ys on fast au, n wea case, the Teta Aunt Ove wl eie any eas"ane. chores, the. past due month pirat ment amounts and he ealhrg pela! Banc. Such fi-eaynen af Teal Aunt De Bus APPLICABLE FEES FOR CREDIT CARD AND LOAN “3 Fee | tn cove of delaat In payment you wl ned te py, n adton to {ate ane tterent charges, ne cot of coeton afer tore {es ane gntion ana judicial expenses, 25 sppeate {agree tothe following terms and condi APPLICABLE TO CREDIT CARDS: FEES AND CHARGES | agree to pay an Annual Membership Fee to be determined by the Bank for the issuance and use of the Card, as well as fee/s for other facilities and services that aval of and/or for the maintenance and administration of any balance o transaction on the Card (See the Ct! credit cerd Fees and Charges, for the prevailing rates). The said fee/s shal be deducted from the available Relationship Limit RL") or Account Crecit Limit ‘agree that the Bank may change or Increase the interest charges, fees, and other charges, and theirrates and calculation from time totime, The Bank wil, notify me of any changes on Interest charges, ees, and other charges before these taKe effect. CARO PAYMENT |irmy application s approved, | am liable to pay any and alloutstanding balances ‘nmy Cord account. must pay at east the Minimum Amount Due (as described Inthe citl creait card agreement) plus the Overtinit amount, It any, for a particular morth. This payment must be received by the Bank on or before the payment due éate ("Payment Dus Date") indicated on my Statement of Account ("SOA"). My Overlimit Amount, if any, Is the portion of the Relatlenstip Balance including unbiled principal oninstalimert transection, Itany) which exceees my RL or Account Credit Limit. Tis willbe ingicated separately from the Minimum Amount Oue/on my SOA. Once my Caré account becomes ever limit, all my Citieredit earde wil be immediately Blocked and may not be able to use any of them. | may only continue to use them after | settle the Overlimt Amount or my fotal payments have reduced my balance to an amount lower than my RL or Account Crecit Limit. 11 Ipay tess than the Total Amount Due by the Payment Due Date, my Card ‘account willbe charged interest as described inthe interest charge section. INTEREST CHARGE ‘The appicable monthly interest rates for Retall Transactions and for Casa. ‘Advance transactions ("interest") are stated in my SOA. The applicable imenthiy effective interost rates "EIR" fr Retall Transactions and CitiCasn ‘Advance transactions are stated in the Citi erect card Fees and Charges. Interest rates are quoted based on a30-day perio. For months with more or less) than 30 days, the applicable Interest rate shall increase (or decrease) accordingly. interest is compounded monthly, in accordance with the ine Accounting Standards (PAS) defintien, effective interest rate (EIR) Is the rate that exactly discounts estimated future cashflows through the lte of the loan to the net amount of loan proceeds (BSP Circular NO. 730, s201D. {Allard Transactions and eny emounts charged to my Cardshal incur Interest. ‘The Bank computes interest each month based on daly balances (including new transactions. How the dally balance Is computed: ‘The daly balance Is computed separately for each type of palance (citi Casa ‘Advance balance and Retail balance, in the following manner: ‘Step1 Start withthe ending balance irom the previous day. ‘Step2 Add any new purchases, the principal portion of the Monthly Instaliments Due, and charges transacted on that day. ‘Step 3 Subtract any credits. payments, and/er other adjustments made tnthat cay. How Interest is computed ‘Step! Muttipiy each cally balance by the daly Interest rate (which isthe menthiy interest rate vided by 30) to determine the dally Interest. ‘The Bank doos not compute Interest on any credit balance ‘Step 2 Repeat Step! for each day inthe Biling periog. ‘Step 3 Add upal the daly Interest to determine tne total interest forthe billing period. For Retell Interest only: aif pay the Total Amount Due of my curvent SOA In fui by Its Payment Due Date, the Retall interest on my new Card transactions willbe deferred to my next SOA ("Deferred Interest") If eontinue to pay my Total Amount Due'on the next SOA in Tull by the next SOA's Payment Due Date, the Deferred interest wil net be charged. b. If pay the Total Amount Due of my current SOA infil by Its Payment Due Date, but | nave an unpald balanes from the previous SOA, the unpaid portion ofthe Previous Galance wil incur Interest; the computed Interest ‘on the unpald amount of the Previous Balance willbe cherged on my next SOA CResioual interest «. If co not pay the Total Amount Due of my current SOA in ful by Payment Duo Dato, the total Real Interest acsosead equals: | Total interest fr the biling period (es computed in Step 3}; plus I. Any Deterred Interest trom the previous Ding period. Interest i compounded monthly; en the Statement Date, Interest charged on RetallTrarsactions will be acded tothe outstanding Retail taiance end Interest ‘charged on Citi Cash Advances will be added to the Citi Casn Advance ‘outstanding balance. If any. {Although the monthly Interest rates areas stated in my SOA, the total Interest "pay on an annual basis may De higher depending on tte amounts | pay and when I pay. ican save on Interest when [pay more than the Minimum Amount ue andor pay ear MONTHLY INSTALLMENT DUE Applicable to installment dues Incurred fer tho avallment of Citi PayLite, Cit Batance Transfer, Citi Balance Conversion, Citi PayLite After Purchase, and Cit Speed Cash (aso known as Call for Cash/Clck for Casi. ‘The monthly installment cue for my installment Transaction (*Monthly Inetallment Duo") i includod in the Minimum Amount Due en my SOA until the Principal Amount and the applicable Interest are pain full Where Term is the number of months that | will be paying for the Monthly Interest Due. ‘The Month Installment Due comprises interest and principal components and. is computed based on ciminiching balance. The Interest and principal onpenentsofthe orth nsatment Due vary each mont ae ar compe * Interest component: Prior menth’s outstanding principal balance x menthiy Eifective interest Rate EIR), where monthly EIR= + Anna EIR) 1, rinelpal porto Monthy installment Due - Interest component forthe month. For Citi PeyLite, the interest charge on the first Monthly Installment Due is ‘computed based on the number of days from the approval date of the Installment Transaction to the Statement Date. which is the date when my Statement of Account iz gonerated after each biling cycle. The interest on succeeding Monthiy instalments Due is computed bese d en a fixed 30-day period. This wil resurt inte rrst Montnly Installment Cue being cifferent trom, Sudsequert ones. “The Monthy instalments Due willbe reflected on my ist Statement of Account (SOA) from the approval date and succeeding SOAS as (Merchant Name (0010039) and so forth. agree that for Citi Balance Transfer, Citi Balance Conversion, iti Paylite Atter Purchase, and Ctl Speed cash charging of the Principal Amount Is. ‘deferred for the first Statement of Account, and acknowledge that | wll pay anintia interest in consideration of the longer payment period provided to me to repay the Principal Amount. The Monthly Installments Due wil be fellected on my second and succeeding Statements of Account after the approval date, wherein Interest will De computed as set out above. ‘The initial interest is computed based on the ectual numberof days from the approval date of my nstaliment Transaction to my first statement ate after the said approval date It wil be charged on my first SOA issued following spproval dato. The ital interest i caleulated by mltip'ying @) the appraved. Principal Amount, il the eppliceble monthly EIR, and (i) the number of days. from approval date to the frst statement date; and clviging the total by 30 ‘days. it wll De reflected on your SOA as the charge on Month O {installment Faclity or Merckant Name (000:00x)1. ‘The Monthly instalments Due willbe retlected on your second SOA from the aporoval date and succeeding SOAS as Installment Facility or Merchant Name (6040039) and so forth. APPLICABLE TO CREDIT CARDS AND LOANS: ‘APPLICANT'S INFORMATION Idectarethat the above information inthis application form andthe informationIn the submitted documents are true, correct and updated: and the said documents are genuine and duly executed. authorize the Bank to verity and obtain copies ofl information ane suemittes documents from the Bureau of Internal Revenue (BIR) ané cther appropriate sources including my employer/s and/or my aecountant/s "income Sources") {also autnerize each ofthe Income Sources to disclose any Information relevant to the said verification and give copies of my Income Documents to the Bank [waive any rights onthe contidentiaty of my income information as required byBSP Circular 622, a5 amended by BSP Circular O55. luncerstand that any. ification related tomy application is sufficient ground for legal action and ction of my apalication. | understan¢ that if my application is denieg, the Bank hat no obligation to furnish the roasan for such rejection, {agree that it my appication i denied, the Bank may re-process and re-evaluate ‘my application within three (3) months from the date of denial, and it may, In Rediseretion,istus me 3 Card and/or a Citi Personal Loan at that time, CONSENT FOR PROCESSING, PROFILING AND SHARING OF DATA AND INFORMATION (Citi's Data Privacy Terms) Please read these provisions (the *Consent”) on Cit Processing, Profiling and. ‘Sharing of Dete and information thoroughty.Capitaized terms used herein shal ‘have the meanings set frthin Ce’ Data Privacy Statement (version 13/31/20), ‘the torms of which ar9 incorporated herein by reference. Citi's Dats Privacy Statement (“Data Statement”) can be viewed online at mo itioank.com.ph/DataPrivecyStaterpent. ‘The words "I", "Me" and "My" refer to youas a banking brokerage, crdlt debit ‘er propaid card or loan prospect/appiicant or cllont or Relevant Individual of 2 Data Subject of citibank, NA. Phillppine Branch (Cibank) or Chicorp Financial ‘Services and insurance Brokerage Phlipoines, Inc. (CFS) or any other entity ‘owned or contrafed by Citigroup Inc. in the Phlinpines (collectively "Ct". The words "You" and "Your" refer to Cl. 11 agree that my application, enrolment; purchase, maintenance, access or continued use of any of Cit's products ard services shall be deemed as my |eceptance and agreement to be bourd by the provisions ofthese terms. | nereby agree tnt al Personal Data (as cetinec under the Data Privacy Law ‘of 2012 and its implementing rues and requations).customer data and account for transaction information or records (collectively, the "Information" relating tome with you from time to time mey be processed, profited or shared to, by and between Cigroup inc, and any ofits afilats and subsisiares(coletivey, Citigroup") or eachot the Authority (foreign or domestic) or DataRecipients (nother in or outside tho Philippines) and for the purposos as set out inC's Data Statement in force provided by you to me. from time te time or for compliance with any law, regulation, government requirement, treaty, agreement or policy or as required by or forthe purpose of any court leaal Brocess, examination, inquiry, auditor investigation of any Authority. The Sferesald terms anall apply notwithstancing any applicable non-disclosure agreement | acknowledge that such information may be processed or profes by or shared with juriscictions which do not have strict data protection or data privacy laws. 2.1 agree that the Data Statement from time to tlme In force shalt nail respects apply in relation to my application, account and any matter arising therefrom or Incidantal thereto. | agree thatthe Data Statement is deemed tobe Incorporated by reference inte ths Consent. 3.1 understand and aaree that | must provide you with such information as. {you may require irom timete timeto enable your Citigroup or rolovant Data Recipient to comply with any law or regulation, government requirement, treaty, agreement or policy of as required by or for the purpose of any court, legal process, examination, inquiry, audit or investigation of any Authority. 4.1 acknowledge that you may use voice recognition technelogy to collect and analyze my volceprint biometric catator the purpose of identity vertication when I give instructions through the phone. 5.1 consent, in connection with any proposed nevation, assignment, transfer (oF sale of any of your rights and/or obligetions withrespect to or connection with my account and any products, aclitiesand services availabe inconnection with the account, to any novatee, assignee, transferee, purchaser or any other person participating or atherwise inva in such transaction te the dsclesure, fo any such person, by you, of any and all information which may be required Inrelation thereto. 6.1 understand and consent thet the processing, profiling nd sharing apply ‘uring the prospecting end apalication stages, 23 wel es forthe duretion of and even ater the rection, termination, closure or cancellation ofthe account ‘or relationship or Services (colectively “Termination” for aperiog of atleast ton (0) years amthe Termination of my last existing account or relationship or that of the Relevant Incividuel es determined by you. Where you deem & hecessary o” are requirec to fulfil foreign anc domestic legay, regulatory, Governmental. tax, law enforcement and compliance requirements and Alcelosure to each ofthe Authority of Industry Organzation, | understand and consent that the storage wil be made even after a period of ten (10) years {romsucn Termination untlthe fal conclusion of any requirement or csciosure obligation, dispute or action 7. Forany update, change, supplement, recontirmation or remediation of the Data statement anc/or these consents, | hereby specifically auinorze the following to accept the Data Statement ard to provide the consents anew to you ony behalf in any acceptable form cr evidence as determined by yous 2. any one of the accountholders ina joint account or relationship: i principal cardholder in card account or relationship; any one of the security party or guarantor In a borrowing account or Felattenshp; 4. company representative in an institutional or corporate client, a merchant party, a commercial card or prepaid card account or relationship: 0” «. where any one ofthe above s nat present as determined by You, ary person ashhas been authorized by me to act on my behalf. 8. Those provisions shall bein addition to, and not In substitution for, any ther provision agrees to between Citi and me (whether before or after the Gate hereof which gives broader rights of disclosure to Ctl than contained herein. ‘COMMUNICATIONS AND RECORDING By using CitPhone (995 9999 In Metro Manila or 234 9999 In Metro Cebu), by providing my shone numbers to the Bank, ané by calling or accepting calls. fom the Bank or its service providers in connection with my Card account or Cit Personal Loan account, | authorize the Bank and its service providers to record, store, replay, ano share with any third party all conversations with me. and/or on my phone numbers/lines, including calls with the Bank's service providers and with ary person who may answer the phone on my behalf. 29722. that these records may be used by the Bank or its service providers for any lawful purpose, particularly as evicence In any proceeding, judicial or administrative. | am responsible for Informing any derson who may answer the phone on my behalf, as my representative, that the Bark andits service providers shall record, replay and use the calls with hrs er her ard that this Is being done with my authorization | agree that the Bank and its sarvice providers are nat lable for any loss, damage or expense that resuts from the Bank's or its service providers actions ‘nany telepnone instructions oF communications made after the Bank or any of its service providers has verified my identity through the Bank's or its Service providers’ prescribed verification procedure at that timo. | shall indemnity the Benk and its service providers against any loss, damage, cost and fees that they may suffer arising from tnem so acting, CLIENT INFORMATION AND UPDATING Tohelp prevert money laundering ane terrorist financing, Phiippine laws as. well as Cit! potcy, require the Bank to obtain, verity, and recor¢ Information that identifies each person who opens an account with the Bank. This means. that when | open an account with the Bank the Bank wil ack for my name, address, date of birt, and ather information that wil allow itto identify me. ‘The Bank may also ask to obtain acopy proto ID or ther identiying documents. {understand that | must notify the Bark immediately of any change to my mailing address (residence and/or office), email adéress, and/or phone rumbers (andline ané/or mobile), and other relevant informatien te avoid {elays oF faiure inthe delivery of my SOA, Card, or other notices. 1 may notify the Bank of such changes through Citibank Online (rweltibaekzemph), CitiPhone (995 9999 in Metro Manila or 234 9999 In Metro Cebu) or by sencing my contact informaiton change request t0P.0. Box 13, Manila Central Post Office, 1000 Mania (Attention: Asset Operations). ‘The Benk must be able to verity my preferred mailing address, if the Bank is tunable to verify my preferred maliing acdress, the Bank may dellver my cit credit card, SOAS, and manager's check for my loan proceeds and/or Call, for Cash ané/or Click for Cash avallment toany ofthe verified addresses on ‘The Bank shall not be responsible for any consequences that may arise due tomy inability to receive any SOA orto pay my outstanding Card and/or Citi Personal Loan ebligations 2s a result of my fallure to netfy the Bank in 2 timely menner of any change in my mailing address, contact or other Information. | shall alse provide the Bark with such Information and documents as the snk may require from time to time, and shall update thet inform required by the Bank trom time to time, to enable the Bank or any af Bank to comply with any law or regulation or any Governrrent Requirement. [ele my responsibilty to notiy the Bank of any change in my cther Information, such as cir status, eltizenship, employment details end income. Lagree to submit ¢) my Income Tax Return (TR), wnether ama salaried employee or self-employed: (i) additionally my Financial Statements (FS) it | am self-employed; (E) Certificate of Employmant f lama salaried employee; nd Gu) ether documents (collectively “Income Documents”) annually. PREVENTION OF PERFORMANCE ‘The Bank willnot be resporsible for any falluro to perform any of ts obliga with respect to any product or service offered hereuncer It such pert Would resutina breach of any Government Requirement oI its performance Is prevented, hindered or delayed by a Force Majeure Event. In such case the Bant's obligations will bo suspended for so long as tho Fereo Majaure Event continues (ann the case of the Bank, no other branch or alate stall become liable). The Bank wil pot be responsible for any action taken to comply with economic sanctions or Government Requirement (and no other branch or affiliate shal become lable). “Ferce Majeure Event" means any event due to {any cause beyond the Bank's control such as restrictions on convertibility oF transferability, requisitions, Involuntary transfers, unavallaolity of any communication clearing or payment system, sabotage, fire flood, explosion, acts of God, economic sanctions, Government Requirements, cull commetion,strikes or Industrial action of any kind, rlots, Insurrection, war or acts of government or similar institutions. WITHHOLDING. |Tunéerstand that |am responsible for all taxes on amounts pald or returned. tome by the Bank If required by any appleable Government Requirement ‘authorize the Bank to deduct of withhold for or on account of taxes on such amounts. CLOSURE OF THE ACCOUNT ‘The Bank may, without giving any reason or prior notice, suspend or cancel ‘my Card privileaes, the Citi Card, or both: or the Citi Personal Loan account. Incase of default in any of my Cards, Citi Personal Loan account or other credit facities withthe Bank, the Bank may, without notifying me, cancel and evoke my right to use all or any of my Carés, Citi Personal Loan account or other erect faciities with the Bank. It the Bank cetermines that the Card or Citi Personal Lean account hes been ors being used for Unacceptable Transactlons or non-personal transectlons, the Bankmay take any legal action connection with the Card or Cit Personal Loan account and/or the Card or CitiPersenal Lean transaction including the cancelation of my Card or Citi Personal Loan sccount and the return of ered Balances tothe sencer. ry ofthe foregoinginstances, the Bank shal declare the total outstanding lance, which includes any unposted transactions ond unbilled Monthly Installments Due, under any of my Cards and/or the total outstanding balance Under my Citi Personal Loan account, to be immediately due and demancable. I shall be liable to pay Interest and Late charges, and other fees, as applicable. RELIANCE ON COPIES OF DOCUMENTS lacknewiedge and agree that if my Card and/or Citi PersonalLoan application Is approved, Citibank wllretain the original of my application ferm for a period of six (6) months from submission after which Citibank may already cestroy the said original pursuant to ts retention policy. After the retention period, Citibank will only keep and rely on a scanned, image or electranic copy of my application form. Ary request for retrieval of the eriginal will no longer b> processed. agree tobe boundby the terms and conditions f this application formas evidenced bythe said scanned, image ot electronic copy esi it were. the original. RETENTION OF DOCUMENTS {I nerety provide my explicit consent tothe retention ofa scanned, image or flectronic copy of my Card and/or Cti Personal Loan apolicatin form for the duration of the account or relaticnship or Services and fora perio of atleast fen (10) yeers from the termination, closure or cancellation (collectively "Termination" of mylast existing accoUnt er relationship. further consent that here Ciibank deems it necessary or Is recuired tofulfl forelan and domestic legal, regulatory, governmental, tax, law enforcement and compliance reeuirements and cleclosure teach of the Authority or Industry Organization, the storage of sucn appication form will be made even after & periog of ten (QO) years irom such Termination until the ral conclusion of any requirement or disclosure obligation, dispute or action. ‘acknowledge and agree that f my applcation Is reected, cibankshal destroy the orighal of my application form within six (6) months from rejection, or within such period as may be prescribed by applicable laws. OTHER UNDERTAKINGS {agree thatthe Card may only be used for personal and legitimate transactions. {likewise agroe that my CRI Personal Loan may be used only for the purposo Incleated in this Application Form and/or in the Disclosure Staternent. understand that the Bank proibits the use of proceeds from unsecured crit facilities or loans for investment into Citi woalth management products. By signing on this application form, thereby confirm thet approved, the proceeds from my Card and/or Citi Personal Loan account will not be used for subscription nto Cit-offered wealth management and insurance products. In tho event that the proceeds have been used for these purposes, the Bank shallbe entitled todo allacts and things necessary to comply with the Bark’s pollcles, Inclucing out not limited to liquidating my nolsings of Investments/insurance at that time. | agree to bear al costs and expenses. that the Bank may incur as 2 result. | agree tnat In tne case of default or preach in any contract or evidence of Ingebtedness to one or more Card account/s, Citi Personal Loan account or other credit facitias issued by tho Bank, its foreign ar local branche: ‘enéel my Cord/s, iti Personel Loan, leants: I confirm that | have road, understoné and agree to bo bound by the above terms and conditions the Citi crect eard Agreement, the Cit creditcard Fees and Charges, an the terms and conditions that may be made available to me separately in connection with all the Citi products, Brograme, serslens, faclities ard benofits associated with my Card, such a but rot limited tothe Citi Cash Advance, CitiPoyLite Installment Plan, Citi Speed. Cosh, Citi Balance Transfer Facility, Cit! Balance Conversion Facility, Clit Paylite After Purchase Facilty, citi One Bil payment facity, citibank Oniine, Citi Electronic Statements and Electronic Advice, Citi Alerts Service, Citi Mobile, and CitiPhena, which may or may not be explicitly defined or referred tointhe cit crecit card Agreement, the tems and condtlons of the Cit creat ‘ard product/s appied for, the Cards Welcome Gift Promo (if applicable), and to future amendments of any ofthe above, as evidenced by my signature on this apoication form and/or the Citi creditcard and/or my retention andjor ‘Use of the Cit erect care, For Citi Personal Loan applicants:! confirm that | nave read, understood and ‘ree to be bound the terms and conditions stated above and thaseincicated inthe Citi Personal Loan Terms and Conditions and the terme and conditions that may be mace aveileble to me separately in connection with all te Cit) [roducts, programs, services, faciities and benefits associated with my Cit! Personal Loan account, such as but not limited to the Citibank Online, Citi Electronic Statements and Electronic Adviee, citi Alerts Service, Citi Mobile, ‘ane CiiPhene, whieh may or mey not be explisitly defines or refercedto in the {iti Personal Loan Terms ang Concltions and to future amendments of any of the above as evidenced by my signature on this application form andor Cit Personal Laan Documents and/or my retention and/or use of Citi Personal Loanaccount. For Cards and Citi Personal Loan applicants: If | have existing unsecured Credit facitties with the Bank, Lagree and consent forthe Bank to review and ‘adjust tho crecit limits ofthe sai faites inthe Bank's absolute diceretion In accordance wit its credit policies. In addition, | also agree to be bound by any and all existing or future laws, regulations and official issuances governing the use of my Card and all the Sefvices and faciities essoclatedwith the Card or the use of my Cit Personal Loan and al the services and facilties associated with citi Personal Loan. {agree that the Bank mey make amenéments to the above terms and conditions, the citi credit card Agreement or the Cit Personai Loan Terms and Concitions, Incuing the fees, charges, anc terms, at any time and wil notty me these ‘changes according. THER DISCLOSURE(s) ‘The product/s and service/s mentioned in this document are not offered to individuals resident in the European Union, European Economic Area, ‘Switzerland, Guernsey, Jersey or other [jurisdictions where such products) ‘and service(s) may nat be avaiable due to applicable laws and regulations ‘or Citibank policy. This document is net, and shoulé not be construed as ‘an offer, invitation or solicitation to buy oF sel any of the product/s and ‘Service/s mentioned herein to such inclviduals. Sigal Berea Aspen’ ovr Printed Nae iv onte “Teiformatin cntenedinthsformisaccuratea of October 2018 Tre Bankreserves therigt to change the prevsions in this epplicationformand nthe agreereets at eny time. The changes maybe disclesed 1 yeu n your Statement of Account For ieauiies ‘onany enangein ths form ines prnting date, lease call Cit Phone at 998-9990. vist ‘ror tibnkccom ph oe CongletonDite