Citi Credit Cards

Terms and Conditions

(or Citibank Credit Card Terms and Conditions or Citibank Card Terms and Conditions)

Effective 22 August 2021

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 Disclaimer:
The Citi Credit Cards mentioned in these terms and conditions are not offered to individuals’ resident
in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino,
Vatican, The Isle of Man or the UK. These terms and conditions are not, and should not be construed
as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein
to such individuals.

Welcome and thank you for applying for a Citi Credit Card. These terms and conditions make up your Citi
Credit Card agreement with us. Please read this document carefully together with any other documents
or information that may be provided by us, as necessary, and reach out to us if you need clarification on
these terms and conditions.

These terms and conditions are split into:

(a) Part 1 which contains general terms about your Card Account; and

(b) Part 2 which sets out more specific terms.

You accept our offer to enter into this Citi Credit Card Agreement (“Agreement”), and agree to the
terms of this Agreement, by:
(a) activating your Card Account or Card; or

*Note: Activation includes activation of Citibank temporary card verification value (“CVV”)
access which enable the Cardholder to use the Card details to perform selected
transactions including online transactions, recurring payments set-up, e-wallet
transactions, and payments through Samsung Pay digital wallet provisioning pending the
arrival and activation of the physical card.

(b) retaining and using the Card (including for Recurring Card Instructions, online transactions,
recurring payments set-up, e-wallet transactions, JomPAY transactions, payments through
DuitNow QR and payments through Samsung Pay digital wallet provisioning),
(whichever comes first).
Your confirmation on any transaction record, sales draft, credit vouchers, cash withdrawal slip,
charge record and/or return of acknowledgement of receipt slip with or without your signature
will be conclusive evidence of your acceptance of this agreement. As such, you should read and
understand this document before doing so.
We may vary, revise or change these terms and conditions from time to time and at any time. If
we do so, we will give you adequate prior written notice. You are deemed to have unconditionally
accepted such changes if you retain or use your Card after the effective date of such changes.
Note to Cardholders with Credit Shield Insurance
If you have an existing Credit Shield insurance coverage on your existing Card, the same coverage
will extend to you if your existing Card is upgraded, replaced or renewed (including change in Card
Account number and/or Card number, if any) (unless such Credit Shield insurance coverage has
been terminated).

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Contact us
For more information visit us at www.citibank.com.my. If you are calling within Malaysia, You can contact
us at any of the following numbers:

03-2383 0000 (KL)

04-296 0000 (Penang)
07-340 6000 (JB)
1800-82-1010 (Sabah & Sarawak)

or by writing to our Customer Correspondence Unit, Citibank Berhad, P.O. Box 11725, 50754 Kuala
Lumpur, or logging in to Citibank Online at www.citibank.com.my to email us.

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Highlights of this document
1 You must digitally or otherwise activate your Card before first use of your Card.

2 You consent to receiving statements or other information by electronic communication. This

consent can be withdrawn.

3 You can have Supplementary Cardholders, subject to our approval. You will be responsible for
transactions made by them.

4 Save for taxes and late payment charges, Interest will be charged on all amounts under this
contract, including unpaid card balances of purchases and cash advances, unless otherwise
provided in section 15 of Part 2.

(a) Except to the extent an Interest Free Period applies, interest on a purchase is charged
from posting date, onwards.

(b) Interest on cash advances is charged from the date on which the cash advance is made,
onwards.

(c) Other fees/charges may apply. For details, please visit www.citibank.com.my to view the
Fees and Charges table.

5 Fixed payment options are available for card purchases and/or cash advances.

6 Your Card Account has credit and cash advance limits which can be changed.

7 You have the right to dispute Card transactions which you think are incorrect. You should do so
as soon as possible. There is a time limit to exercising this right under payment network (i.e.
Mastercard, Visa) rules.

8 You must ensure the security of your Card, Security Code and Device.

(a) Contact us immediately if you suspect Card, Security Code or Device theft or loss, or
Unauthorised Transactions.

(b) Our contact details are set out in this Agreement and on our website.

9 We can block or cancel any Card, at our reasonable discretion, including for security, fraudulent,
non-payment reasons (including if you have failed to make a payment under another credit facility
you have with us).

10 We have privacy and credit reporting policies that explain how we manage your information. In
this respect, you specifically consent that:

(a) we can share your Card Account information with our affiliates, for purposes (including
but not limited to) servicing, investigations and inquiries;

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(b) we can send you service messages and/or other information on features (including
payment alternatives) of your existing Card products, even if you are on our no-contact
list;

(c) we may disclose your customer information to comply with any law, order, judgement,
decree or any rule, regulation, code, guideline, request or inquiry of or by any
government, court, administrative or regulatory agency or commission, other
governmental or regulatory authority or any self-regulatory body.

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Table of contents
1. What do those words mean? ....................................................................................................7
2. Your Card and Card Account ..................................................................................................17
3. Credit and other limits that apply to your Card ....................................................................23
4. Supplementary Cardholders ...................................................................................................27
5. Fees, charges and interest ......................................................................................................30
6. Credit card statements ...........................................................................................................33
7. Payments ..................................................................................................................................36
8. Errors, disputed transactions, chargebacks and refunds ...................................................40
9. Security and liability ................................................................................................................42
10. Default, block, closure and cancellation ...............................................................................44
11. Changes we can make to your agreement ............................................................................45
12. Other things you need to know ..............................................................................................45
13. Accessing and using your Card Account with our digital banking services
and CitiPhone Banking ............................................................................................................53
14. Unacceptable Transactions and Transaction Limits ............................................................58
15. Additional terms about Interest ..............................................................................................58
16. Additional terms about payments to your Card Account ....................................................59
17. Balance Transfer ......................................................................................................................60
18. Fixed Payment Options and Other Special Promotions or Citi Credit Card
Products ....................................................................................................................................62
19. Additional information about the types of payments you can make from
your Card Account ...................................................................................................................75
20. Additional information on transactions through your Card ................................................81
21. Citi Rewards Points, and PremierMiles .................................................................................83
22. Further information about security and liability for transactions .......................................83
23. Additional information about defaults and the consequences ...........................................85
24. Further information about closure, blocking or cancellation of your Card
Account or a Card ....................................................................................................................91
25. Further information about changes we can make to this agreement .................................94
26. Additional terms about data and analytics ............................................................................95
27. Additional Information you need to know……………………………………………………...104

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Part 1: General Terms and
Conditions
1. What do those words mean?
This section sets out the meaning of some of the words used in this agreement.

Term Meaning

Account(s) Any one or more accounts which you open (or which we open on
your behalf) and maintain with us from time to time (being any
type of category, and whether opened in single or joint name(s)
or in trust and where the context indicates or so permits,
includes Card Account and/or Other Bank Accounts) and
“Account” means any of them.

Agreement This Citibank Credit Cards terms and conditions.

Authorities Any competent regulatory, prosecuting, tax or governmental

authorities in any jurisdiction, domestic or foreign.

Balance Transfer or BT The Balance Transfer Plan offered by us, which permits
cardholders to transfer the whole or part of the outstanding
balance from any principal card account from any Other Licensed
Institutions (as defined in Section 17) to any Citibank Card
Account held by you such that we may pay the whole or part of
the outstanding balance with Other Licensed Institutions on your
behalf by debiting the Card Account.

Balance Transfer Program The Balance Transfer Program via Instalment Plan offered by us,
via Instalment Plan or BTI which allows you to transfer the whole or part of your
outstanding balance with other licensed banking institutions to
any Citibank Card Account held by you and convert it to a
monthly instalment plan together with applicable interest and
fees (if any).

Business Day Any day on which banks are open for business in Malaysia but
does not include any Saturday, Sunday and gazetted public
holiday in Malaysia.

Bank Negara Malaysia or The Central Bank of Malaysia.

BNM

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Card or Credit Card Any credit card (including a physical and/or virtual card such as
digital equivalent of a card), contactless device or other device
(including a code or account number to be used for a transaction)
issued by us to permit you to obtain credit under this Agreement.

Card Account The account we open in your name to record transactions under
this Agreement.

CASA Refer to Citibank Checking Account or Savings Account.

Cash Advance A Cash Advance is:

(a). a transaction made on your Card Account where cash or its
equivalent is obtained; and
(b). anything else which, due to the nature of the transaction,
we indicate to you is a Cash Advance.

Cash Advance Balance The outstanding amount at a given point in time of Cash
Advances, fees related to Cash Advances and interest relating to
each of them.

Cash Advance Interest The interest rate we specify from time to time that applies to the
Cash Advance Balance.

Cardholder Refers to the Principal and/or Supplementary Cardholder (as the

case may be). In the premise, the words “Principal Cardholder”
mean the holder of the principal Card and the words
“Supplementary Cardholder” mean the holder of the
supplementary Card.

Card-on-file Transaction Means a transaction where you authorizes a merchant to store

your Card payment details which subsequently used for a
payment. A Card-on-file transactions can be initiated by you
(such as e-commerce transaction or mail/phone order
transaction) or initiated by merchant (following an agreement
between you and the merchant).

Citi FlexiBill (previously A credit card facility that allows you (if eligible) to convert your
known as Balance outstanding Current Balance or a portion of it which has not
Conversion) passed its Payment Due Date to a monthly instalment plan with
applicable interest and other fees as stated in these terms and
conditions.

Citigroup The Bank, the Bank’s head office, branches, representative

offices and any subsidiaries, affiliated or associated companies
of, or related entities controlled directly or indirectly by Citigroup

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 Inc. and any of their respective branches and offices, wherever
situated.

Citigroup Organisation Any affiliate or subsidiary of Citigroup Inc., present and/or future
including any branches and/or representative officers of such
affiliate or subsidiary.

Citi Mobile® App A mobile banking application that enables you to access certain
banking services on a mobile phone or other device via our
mobile application that we tell you can be used to access your
Card Account.

Citibank Online The online banking service provided by us that enables you to
access certain banking services, including your Card Account, via
the internet.

Citi PayLite (previously An option which allows you to convert unbilled (transactions
known as FlexiPayment which have been debited in the Card Account but have not been
Plan) recorded into the current monthly statement forming part of the
Current Balance) eligible transactions, or a group of transactions,
to a fixed monthly instalment plan which will be repaid together
with the interest over it.

Citi PayLite for Banking An option which allows you to convert eligible banking
Transaction transactions from your CASA (excluding joint account) to a fixed
monthly instalment plan on your Card, which will be repaid
together with the interest over it. The converted amount will be
deemed as a form of Cash Advance drawn from your Card
(subject to available Customer Credit Limit) and will be deposited
via electronic funds transfer to your CASA from which the
transaction originated.

CitiPhone Banking The telephone banking service provided by us that permits you
to access certain banking services via the telephone.

Citi Quick Cash An option which allows you to draw down an amount from your
Credit Card in the form of cash (by cheque or by electronic funds
transfer to your nominated bank account) which amount you
then repay together with interest over a number of fixed
monthly instalments.

Citi ThankYouSM Rewards The rewards programme through which Citi Rewards Points and
Programme or Rewards Citi PremierMiles may be earned through the use of a specified
Programme rewards credit card issued by Citibank, and includes a
supplementary credit card, if applicable. The Citi ThankYouSM
Rewards Programme Terms and Conditions will govern the
redemption of Citi Rewards Points and Citi PremierMiles.

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Communication Has the meaning afforded to it in Section 27.17 below.

Credit Limit A credit limit applies to your Card Account - see section 3. Part of
your Credit Limit may be available for Cash Advances, and there
may be a limit on the amount of Cash Advances you can have in
a given period. If you have more than one Citi card or have
different credit limits applying to the Cards of any or all
Supplementary Cardholders, the individual credit limits applying
to those cards can be combined. We may authorize transactions
that cause your balance to exceed your credit limit.

Current Balance The outstanding balance or amount due /charged to your Card
Account as specified and appearing on your monthly statement.

Customer Credit Limit The total credit limit extended to you to cover the use of all the
Cards you hold, regardless of the existing applicable Credit Limit
for each Card.

Device A physical device used with Electronic Equipment to access your

Card Account, for example a Card, security token, generator,
watch or biometric reader.

DuitNow QR means a service which facilitates industry wide ubiquitous

payments or credit transfer by scanning the QR Code which
complies with DuitNow QR standard.

Digital Banking Services Digital banking services provided by us which enable you to
access, utilize and transact on your Card Account and certain
other banking services via the internet, our mobile application or
other digital channels. This includes the Citi Mobile® App and
Citibank Online.

Electronic Equipment Includes ATM and point-of-sale terminals, hardware capable of

connecting to the internet and which can perform transactions
(e.g. mobile phones, tablets and wearable technology) and which
are accepted for use by us.

Finance Charges / Interest The finance charges referred to under Section 5.9 below.
Rate

Fixed Payment Option A facility offered to you by us to be paid off by way of monthly
instalments over a specified period of time for: (i) the purchase
of goods and services for the participating merchants; (ii) the
repayment of outstanding Card balances; or (iii) cash loan taken
against the Card line of credit as specified under Section 18
below.

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Fixed Payment Option The amount owed under this agreement that is to be paid off
Amount under a Fixed Payment Option.

Fixed Payment Option The outstanding amount at a given point in time of the Fixed
Balance Payment Option Amount, fees related to Fixed Payment Option
Amount and interest relating to each of them.

Fixed Payment Option The applicable interest rate under the Fixed Payment Option.
Interest Rate

Fixed Payment Option The period over which instalments under a Fixed Payment
Tenure Option are to be paid. If the Fixed Payment Option is cancelled
earlier, the Fixed Payment Option Tenure ends at that time.

GIRO The Citibank Inter-bank GIRO service effected through the Inter-
bank GIRO System.

Identifier Information about the Card Account or Card that must be

provided by you or a Supplementary Cardholder to perform a
transaction and is known to you or a Supplementary Cardholder
but need not be necessarily kept secret, for example a Card
Account number, or Card number or Card expiry date.

Inter-bank GIRO System A funds transfer payment system operated by Payment Network
Malaysia Sdn. Bhd. (including its successors in title and assigns)
to allow you to request your bank to make inter-bank payments
or collect payments to either your own account or any third party
account(s) maintained with any bank or financial institution
(other than Citibank) licensed under the Financial Services Act,
2013 (as may be amended or superseded from time to time)
carrying on banking business or banking and finance company
business in Malaysia which is a participant to the Inter-bank GIRO
System.

Interest Free Period A period during which we agree we will not charge
interest/finance charges on all or part of the Current Balance as
set out in Section 15 of Part 2 below (not applicable to cash
withdrawal nor Fixed Payment Option).

Minimum Monthly The minimum monthly payment as defined in Section 7.10 below
Payment that you must pay in respect of your Card by the Payment Due
Date.

Mobile Token 6-digit Pin created by you on Citi Mobile® App to generate One
Time Pin (OTP).

Monthly Instalment The monthly repayment under a Fixed Payment Option

(including monthly instalments for auto balance conversion, easy

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 payment plan, credit card instalment plan and other instalment
plans available from time to time) which are due by you to us in
accordance with the terms and conditions of the products
implemented, amended and/or substituted by us, as shown in
the monthly statement or in any other notice communicated by
us to you.

Other Bank Accounts Your other bank account or accounts with us apart from your
Card Account and includes your joint account with a third party
(if any).

One Time Pin or OTP One Time Pin (OTP) is a unique, randomly generated, single use
PIN. The OTP can be generated through the Citi Mobile® App via
Mobile Token or sent to you via SMS to your nominated mobile
phone number.

Overlimit The permitted transaction which is exceeding your Credit Limit

or Customer Credit Limit as defined in Section 3.24 below which
you have agreed to and/or requested for.

Overlimit Amount The amount by which the unpaid Current Balance exceeds your
Credit Limit or Customer Credit Limit at a given point in time.
The Overlimit Amount (if any) at the end of the Statement Period
will be shown on your credit card statement and is payable
immediately from the date you exceed the Customer Credit
Limit.

Payment Due Date The date your monthly payment is due as set out in your credit
card statement or otherwise advised by us to you.

Payment Infrastructure A third party that forms part of the global payment system
Provider infrastructure, including without limitation communications,
clearing or payment systems, intermediary banks and
correspondent banks.

Payment Facility Cards, Digital Banking Services, CitiPhone Banking, Recurring

Card Instructions and any other facility we offer you to access
and/or operate your Card Account.

PIN The personal identification number selected by you for use with
a Card.

PremierMiles The Citi PremierMiles earned through use of the Citi

PremierMiles Card which is subject to the Citi ThankYouSM
Rewards Programme Terms and Conditions.

QR Code means a two-dimensional barcode that can be read using the

camera of a smartphone or

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 mobile device that is equipped with QR reader.

Recurring Card Instruction An instruction from or authorised by you or a Supplementary

Cardholder to a merchant to charge amounts to the Card using
the Card number on recurring basis which includes Card-on-file
Transactions.

Rewards Points The points earned by you on eligible transactions (such as retail
transactions) under the Citi Rewards Programme which are
subject to the Citi Rewards Programme Terms and Conditions.

Security Code A password, code identifier (including biometric or other digital

methods) that may be required to authenticate a transaction
made by you or the Supplementary Cardholder and which is to
be kept secret by you or a Supplementary Cardholder. A security
code may consist of numbers, letters, a combination of both, or
a phrase or other credential but does not include a number
printed on a device (e.g. a security number printed on a credit
card). Examples of security codes include a PIN, online password
for telephone banking, , T-PIN for telephone banking, internet
banking password, Mobile Token, code generated by a security
token generator, One-Time Pin (OTP) or any other password or
information used to access the Card Account and which is known
to you or the Supplementary Cardholder and which we require
you or the Supplementary Cardholder to keep secret. It does not
include an Identifier.
SMS Short message service provided by your mobile phone service
provider which:
(a) we may use to send any communication to your mobile
phone at the mobile phone number provided by you to us
(as updated from time to time by you); and
(b) you may use to give us instructions in respect of your Card
and/or Card Account (in accordance with our prescribed
procedure prevailing at that time) from your mobile
phone at the mobile phone number provided by you to us
( as updated from time to time by you).

Special Promotion Any transaction or amount that we identify as being subject to a

special promotion for the period to which that special promotion
applies to the transaction. It includes a Balance Transfer and a
Fixed Payment Option Amount during the Fixed Payment Option
Tenure or Quick Cash with special interest rate during the
promotion period together with related fees and interest and

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 anything else which we indicate is subject to a Special Promotion
Rate.

Special Promotion Balance The outstanding amount at a given point in time of Special
Promotions, fees related to Special Promotions and interest
relating to each of them.

Statement Period The billing period of time to which a credit card statement
applies, usually about a month. This is the period of time
between each statement date. For each period, the statement
will show all transactions processed to your Card Account during
that period.

Supplementary Another person who you have nominated to have an additional

Cardholder Card on your Card and use your Card Account.

Taxes All taxes, levies, imposts, charges, assessments, deductions,

services tax, value added taxes, tax on the sale or disposition of
any property, duties, withholdings and related liabilities,
including additions to tax, penalties and interest imposed on or
in respect of any products and/or services you have taken from
the Bank; provided that “taxes” does not include income or
franchise taxes imposed on or measured by the net income of
Citibank or its agents.

Third Party Service A third party selected by Citigroup Inc, Citigroup Organisation,
Provider we and/or their/our officers, directors, employees, agents,
representatives and/or professional advisers, to provide services
to them/it and who is not a Payment Infrastructure Provider.
Examples of Third Party Service Providers include technology
service providers, business process outsourcing service providers
and call centre service providers.

Total Cash Limit The total amount of Cash Advances that at a given time can be
made on your Card Account (as a percentage of your Credit
Limit). This information can be found on your Citibank Online or
Citi Mobile® App or any other means defined by us.

T-PIN A telephone personal identification code or number set up by

you that may be required to access your account by telephone.

Unacceptable Has the meaning given to it in Section 14 "Unacceptable

Transactions Transactions".

Unauthorised Transaction Any transaction made which is without your knowledge or

consent or the knowledge or consent of the Supplementary
Cardholder.

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you/your/yours/Customer Means or refers to all persons responsible for complying with this
Agreement, including the Principal Cardholder, being an
applicant of a Card and to open the Card Account, and the person
to whom we address the monthly statement or statement of
accounts and where applicable, includes the Supplementary
Cardholder.

us/we/our/the Bank / Citibank Berhad (Registration No. 199401011410 (297089-M))

Citibank the issuer of your Card under your Card Account.

Unless otherwise required by the context:

• if a word or phrase has a defined meaning, any other grammatical form of that word or
phrase has a corresponding meaning;

• headings in this Agreement are included as a matter of convenience and do not define,
limit or enlarge the scope of this contract or any of its terms;

• a reference to this Agreement or other document includes the agreement or other

document as varied or amended;

• a reference to a law includes a law as amended or replaced;

• the words “includes”, “including” or "such as" do not limit the meaning of the words to
which it relates;

• a reference to a person or entity includes their successors or assigns;

• notice includes written or non-written notices. Written notice refer to both paper and
electronic forms such as e-mails, faxes, SMS or its equivalent, digital images and copies,
electronic notices capable of being stored and printed, and similar electronic versions. Non-
written notice refer to telephone communication and/or verbal communication. Where
required by law, any notice to be given by us shall be given adequately in advance and in
writing;

• a reference to any right, entitlement, discretion, liberty or power which may be exercised
or any determination which may be made under this agreement by us (including any opinion
of, requirement by, and matter or circumstances acceptable to us, any determination of any
period or duration of time by us and any objection issued by you) must be reasonably
exercised by us or made in our reasonable discretion. To the fullest extent permitted by law,
we are not obliged to give any prior written notice or reasons for such exercise or
determination;

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16
2. Your Card and Card Account
Your eligibility to be a Principal Cardholder
2.1 You may apply for a Credit Card as a principal cardholder if you are at least 21 years old
at the time of your application for the Card.

2.2 Supplementary card applicants are subject to different requirements. See Section 4
below on “Supplementary Cardholders” for further information.

2.3 You must also show that you meet the following minimum income requirements:

(a) if you are an individual card applicant, that your income is at least
RM24,000.00 per annum or such other higher income requirement as we
may determine; and/or

(b) if you are unable to prove your annual income but meet the minimum age
requirement, we may as we deem fit, require you to place with us a fixed
deposit of the amount equivalent to the Credit Limit or Customer Credit Limit
granted to you, which must be maintained for as long as the Card has not
been terminated by us or you.

2.4 If your income per annum is RM36,000.00 or less, and you already hold credit cards
from two other credit card issuers, you will not be eligible for a Card. If your income
per annum is RM36,000.00 or less, please also refer to Section 3 on the Credit Limit
that may be applicable to you.

Annual Fees
2.5 An annual fee will be charged for your Card and any Supplementary Card(s). This annual
fee is payable regardless of whether you use the Card. For details, please visit
www.citibank.com.my to view the Fees and Charges table.

Getting started
2.6 We will give you a Card that can be used to make transactions on your Card Account.

2.7 Upon receipt of your Card, you undertake to sign on the signature strip on the back of
the Card (using the same signature affixed on the application form).

2.8 You will also need to activate the Card before it can be used. You will be prompted to
activate your Card and create a PIN. You can create your PIN via secured online
channels i.e. Citi Mobile® App or Citibank Online or via interactive voice response
(“IVR”) channel or any other secured channels specified by us and within the period
notified by us.

2.9 You must:

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 (a) create a PIN within the time frame determined by us; and

(b) treat your PIN as strictly confidential and you must not disclose your PIN to
any person under any circumstances or by any means, whether voluntarily
or otherwise.

2.10 Your Card Account will also be activated when the Card is first activated.

2.11 You can:

(a) make transactions on your Card Account by using your Card. Ways to use
your Card include:

(i) paying for purchases of goods and/or services using your Card with
merchants in store, by phone or online (including Duitnow QR)
which are charged to your Card Account;

(ii) getting cash at an ATM, which is a type of Cash Advance transaction

which will be debited to your Card Account;

(iii) utilizing other facilities offered by us, subject to prior arrangement

with us; and

(iv) setting up Recurring Card Instructions;

(b) obtain further information about using your Card. This can be done through
our Digital Banking Services.

2.12 Except for newly approved Cards where you need to activate your Card before using,
for upgraded, replacement, renewal of Cards or issuance of new Cards (including
change in Card Account number and/or Card number, if any), even if you do not sign
on your Card or activate your Card, you must comply with this agreement. This would
include that you must pay us all balances due on your Card Account. Save for clear
evidence of fraud, forgery, Unauthorised Transaction and/or manifest error, any sales
slip or draft, receipts or credit vouchers or any record of advances, transaction, charge,
disbursements or withdrawals or any other transaction records with or without
signature shall be binding and conclusive evidence that you have incurred such
amounts.

Other Information about Using your Card and Card Account

2.13 At all times, all Cards remain our property and must be surrendered to us immediately
upon our request, or the request of our duly authorised agent. Circumstances where
the Card need to be surrendered to us include cancellation or termination of Card
account, cancellation or expiry of the Card, or when your or the Supplementary
Cardholder’s authority to operate the Card is terminated.

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2.14 Only you or the Supplementary Cardholders (if any) are permitted to use your Card
Account and the Card(s). Using a Card includes using any of the information or details
shown on the Card. A Card must not be used by anyone other than the person whose
name is on that Card (which will be you or the Supplementary Cardholder as the case
may be). A Security Code must not be used by anyone other than the person to whom
it was issued (which will be you or a Supplementary Cardholder as the case may be).

2.15 When a transaction is made on your Card Account by you and/or your Supplementary
Cardholder(s), you are liable for it (subject to any exceptions set out in Section 9
“Security and Liability” and Section 22 “Additional terms about security and liability
for transactions”).

2.16 We charge your Card Account with (and you then owe us) the amount of all purchases
or other transactions made on your Card Account, as well as interest, fees and any
other amounts we can charge you under this agreement. You must pay us the amounts
which you owe as set out in this agreement.

2.17 You and any Supplementary Cardholder must only use a Card during the validity period
set out on it. A Card must not be used after it has expired or is blocked or cancelled.

2.18 You and any Supplementary Cardholder must securely destroy any physical Card (i.e.
plastic card) by cutting the Card into halves or several pieces across the magnetic strip
and the microchip embedded in the Card (if any) so that those components are
completely damaged under the following circumstances:

(a) at our reasonable request (such as when we suspect an unauthorised or

fraudulent transaction has been completed using your Card); or

(b) when the Card Account is closed; or

(c) when the Card is cancelled or expired; or

(d) when your or the Supplementary Cardholder’s authority to operate the Card
Account is terminated.

2.19 If you have cut up your Card as required above following the expiry of the Card, you
may request for a new Card. It is up to our discretion whether to issue a new Card which
discretion will be exercised reasonably. Please see the section below on “Card
Issuance, Renewal or Replacement” for further information.

2.20 Your Card cannot be transferred to any other person.

2.21 You must not pledge your Card as security for any purpose.

2.22 Use of the Card is conditional upon there being no contravention of any prevailing laws,
regulations or rules issued from time to time by Bank Negara Malaysia or such other
Authorities that have jurisdiction over us (“any applicable law”).

19
2.23 You represent and undertake at all times that our decision to approve, grant or make
or continue to make available the Card to you will not contravene nor be in breach of
any applicable law.

2.24 You represent and undertake at all times that the relevant Card Account, facility or
other services provided by us will not be used for illegal or unlawful purposes.

How to use your Card for Transactions

2.25 Unless otherwise indicated by us, for Cash Advances or withdrawals via ATMs, you must
dip your Card into the ATM slot, followed by entering your PIN.

2.26 For transactions at merchant terminals or any point-of-sale (POS) at which your Card is
used, to permit you to receive authorisation for a Card transaction to purchase goods
or services from a merchant, you are required to enter your PIN, where applicable.

2.27 In this respect, when you use your PIN:

(a) you agree that the PIN may be used to identify you and that you authorise
the transaction; and

(b) you are deemed to have agreed to the transaction and have verified that the
purchase(s) and the transaction amount(s) performed at the POS is/are
correct and accurate.

2.28 Some Cards may have “contactless” features and can be used to make payment for
goods or services with contactless readers, terminals or POS devices, by waving the
Card or bringing the Card in proximity with such devices. Such contactless payment is
subject to a predetermined maximum amount for each contactless transaction. Unless
informed otherwise, contactless transactions may not require:

(a) your signature on any sales slips, terminal or POS device;

(b) the microchip embedded in the Card, if any, to be read by such devices; or

(c) a PIN to authorise such transaction(s).

2.29 Notwithstanding that, you agree that we can, where reasonable, choose not to process
a contactless transaction(s) even if such transaction(s) does not exceed the
predetermined maximum amount for each contactless transaction or any amount
specified by us or prescribed by Bank Negara Malaysia from time to time. If you wish
to make a contactless payment above the predetermined maximum amount for each
contactless transaction, you are required to enter your PIN (or any other accepted
method for authorising the transaction) for transactions at merchant terminals or any
POS at which your Card is used. If you wish to reduce the predetermined limit or disable
contactless payment/ transaction feature, please contact us via Citiphone Banking or
any other means as we may notify you from time to time.

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2.30 You may use Citibank’s GIRO service through your Card. Please refer to Section 19
below on “Citibank GIRO Service” for the terms and conditions of such use.

2.31 You may also use Duitnow QR service to make a payment as specified by you from your
Card Account to a merchant via the merchant QR code. The terms and conditions for
the Duitnow QR service is available at
https://www.citibank.com.my/global_docs/pdf/DuitNow_Terms_and_Conditions.pdf
and shall be read in conjunction with this Agreement.

Card Issuance, Renewal or Replacement

2.32 When a Card is due to expire, we will typically issue you and, where applicable, any
Supplementary Cardholder, a replacement Card on or before the day the existing Card
is due to expire. However, we may not do that if, amongst other things, you are in
default under this agreement, your Card Account is blocked or closed, or the Card has
been cancelled.

2.33 We may also issue you or where applicable, a Supplementary Cardholder, with a
replacement Card where a Card is reported to us as lost, stolen or misused or when
we cancel the Card for security reasons.

2.34 Any replacement Card will need to be activated by you before it can be used. However,
we may (but are not obliged to) transfer all your Recurring Card Instruction for the
service to the replacement Card to ensure non-interruption of service (whether you
have activated the replacement Card or not). Please refer to Section 2 above on
“Getting Started” on getting your Card activated.

2.35 Even if you do not activate your Card, you are still responsible for paying all outstanding
balances. For the avoidance of any doubt, non-activation of the new Card does not
revoke any existing standing instructions or any other transactions (including
transactions which have been performed but not posted) unless the Card or Card
Account has been terminated. Notwithstanding, you will still be liable for any
transaction on your Card due to your previous use or standing instructions. It is your
responsibility to ensure that no further transactions are made on a terminated Card.

2.36 Upon replacement of your Card, you are under a duty to use all reasonable care,
precaution and diligence to prevent the loss, theft or unauthorised use of your
unexpired old Card. All charges arising from transactions carried out through the use
of your Card when it has been carelessly disposed are deemed to have been made by
you and you are liable for all such transactions.

2.37 Even if you have exercised all reasonable care, precaution and diligence to prevent the
loss or theft or unauthorised use of your Card, you will still remain liable to us if you
have acted fraudulently in the use of your unexpired old Card.

2.38 Upon any loss, theft and/or unauthorised use of your Card or upon discovery that any
person or persons have acquired knowledge of the PIN, you must immediately create
a new PIN to replace your existing PIN and you may request us to issue a replacement

21
 Card. We have the right to accept or to refuse such request and if we refuse, to give
you reason for such refusal (where possible).

2.39 We are not obliged to issue a replacement Card following its loss or theft.

2.40 Any issuance of a replacement Card is subject to a fee that we may reasonably
prescribe. For details, please visit www.citibank.com.my to view the Fees and Charges
table.

Are there transactions you can’t use your Card Account or your
Card for?
2.41 Yes. Your Card Account, and any Card, and/or Supplementary Card must not be used:

(a) for business and/or commercial purposes which are reasonably deemed to
be unacceptable by us such as pyramid or similar schemes and investments
(unless we have specified otherwise in relation to your Card);

(b) to make purchases or other transactions which are prohibited by law; or

(c) for any unlawful, fraudulent, dishonest or unauthorised activities which are
prohibited under this agreement (whether specifically or generally
prohibited having regard to the terms of this agreement as a whole);

(d) to make Unacceptable Transactions. See Section 14 “Unacceptable

Transactions and Transactional Limits”.

2.42 We are entitled to block the authorisation and/or refuse to approve transactions for
the use of the Card for such other activities and purposes stated above or where we
reasonably believe or suspect the transactions are fraudulent, dishonest or
unauthorised. Notwithstanding this, we are not obliged to monitor and/or block the
use of the Card for any prohibited activities.

2.43 We will immediately terminate your Card if you are discovered to have used the Card
for any unlawful activity (for example, illegal online betting).

2.44 If you do make purchases or other transactions which are not allowed, this agreement
still applies and you will still be liable to pay us all amounts owing in respect of them.

2.45 Credit of any winnings, unspent chips, or other values which may be used for
Unacceptable Transactions including gambling transactions will not be accepted or
credited into your Card Account.

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3. Credit and other limits that apply to your Card
The credit limit
3.1 The Credit Limit is the amount described as the Credit Limit in your Card carrier that
accompanies your Card when you receive it, or such other amount notified to you as
may be set from time to time on the use of the Card.

3.2 If you have more than one (1) Card, you will be assigned a Customer Credit Limit which
represents the total credit limit extended for the use of all the Cards held by you,
regardless of the existing applicable Credit Limit for each Card. Both your Customer
Credit Limit and the applicable Credit Limit for each Card will be indicated in your
statement of accounts or monthly statement.

3.3 Subject to any applicable law, if your income per annum is RM36,000.00 or less, the
maximum Customer Credit Limit that may be extended to you shall be up to two times
your monthly income (regardless of whether you are an existing or new cardholder).

3.4 The total Credit Limit is available for the purchase of goods and services wherever the
Card is honoured. Your Cash Advance limit is available through our bank counters or
any ATM which accepts the Card.

3.5 You must ensure that the total amount charged to your Card Account MUST NOT
exceed your Credit Limit or Customer Credit Limit, whichever is lower, at any time
without our approval.

3.6 Without prejudice to our rights under this Agreement, we may, but do not have to,
authorise transactions if your Credit Limit or Customer Credit Limit, whichever is lower,
will be or has been exceeded. We will only authorise such transactions which exceed
the Credit Limit or Customer Credit Limit if you have agreed to and/or requested for
the same.

3.7 In the event your Credit Limit or Customer Credit Limit is exceeded for any reason
whatsoever, the provisions on Overlimit will apply.

What to do if you want to change the credit limit

3.8 You may request that your Credit Limit and/or Customer Credit Limit be changed
permanently or temporarily:

(a) by contacting us through CitiPhone Banking or Citibank Online (as the case
may be); or

(b) by way of written instruction to us to the address or channel designated by

us.

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3.9 You can reduce the Credit Limit at any time by the two methods above. However, if the
type of Card that is attached to your Card Account has a minimum Credit Limit, you
cannot reduce it below that minimum limit. If you have Supplementary Cardholders
with a combined credit limit with you, you can reduce the Supplementary Cardholder's
credit limit separately.

3.10 You will need to ensure the Current Balance of your Card Account does not exceed the
reduced Credit Limit before we can make the Credit Limit reduction. We can reject
transactions until that happens and we may, upon your request, endeavour to reject
certain transactions, however, we may be unable to do so for various reasons for
exampledue to system restrictions.

3.11 Your request to increase your Credit Limit or Customer Credit Limit is subject to our
approval and credit assessment (if applicable). Our decision to approve the increase in
Credit Limit and/or Customer Credit Limit will be at our reasonable discretion in
accordance with our policies and Bank Negara Malaysia guidelines.

3.12 You acknowledge and understand that once any permanent increase in Credit Limit
or Customer Credit Limit or any temporary increase in Credit Limit or Customer Credit
Limit is approved, the increase in the Credit Limit or Customer Credit Limit will be
reflected in the Central Credit Reference Information Systems (CCRIS) or any credit
bureau maintained by Bank Negara Malaysia.

3.13 An increase in your Credit Limit or Customer Credit Limit will also be an increase to your
Supplementary Cardholder’s credit limit (for shared limit) unless you instruct us
otherwise.

3.14 If you have an on-going temporary Credit Limit or Customer Credit Limit increase prior
to your application for permanent increase in Credit Limit or Customer Credit Limit
above, you are advised to either cancel the temporary Credit Limit increase or apply
after the temporary Credit Limit increase is expired. Please note that processing may
be delayed if your income document is incomplete or requires further clarification.

3.15 Upon approval, your new Credit Limit or Customer Credit Limit will be reflected in your
next statement. A letter/SMS/electronic direct mailer (EDM) will be sent to your
mailing address/mobile number/email address registered with us (or any other manner
of communication as we deem appropriate) to inform you of Credit Limit or Customer
Credit Limit increase status.

When can we change your credit limit?

3.16 Even if a Credit Limit or Customer Credit Limit has been assigned or approved at your
request, the Customer Credit Limit and the existing applicable Credit Limit for each
Card may be reasonably revised by us at any time (due to reasons such as decrease in
the income updated to Bank or revision in policies or regulations affecting the Bank or
the provision of Cards to our customers) with notice to you. Any new Credit Limit or
Customer Credit Limit (subject to Section 3.17) will be notified to you either by way of
notice or through your statement of accounts or monthly statements.

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3.17 If we change your Customer Credit Limit or Credit Limit for each Card without your
request for a change, such change shall take effect in the following manner:

(a) any reduction in your Customer Credit Limit or Credit Limit by us will take
effect with notice to you; or

(b) any increase in your Customer Credit Limit or Credit Limit by us (following
our credit assessment) will take effect only upon your acceptance of such
increase.

3.18 To ensure compliance with applicable law as introduced or revised from time to time,
you expressly agree that we are entitled (but may not be obliged) to suspend, cancel,
terminate your Card and Card Account and/or reduce your Credit Limit and/or
Customer Credit Limit previously assigned upon the issuance of any Card to you. You
undertake to abide by and comply with any such laws, regulations and directives.

Other limits that apply

3.19 In addition to the daily limit applicable for Cash Advances, there is a limit on the amount
of outstanding Cash Advances you can have. This is the Total Cash Limit.

3.20 If you reach your Total Cash Limit, you will have to reduce the Cash Advance Balance
below that Total Cash Limit before you can make any further Cash Advances. You can
find out how much you need to pay towards your Card Account before you can make
any further Cash Advances by contacting Citiphone Banking or logging on to Citibank
Online or Citi Mobile® App.

3.21 Daily, weekly and other maximum limits (including limits for particular types of
transactions) may also apply to transactions, Cards or the Card Account, as notified to
you.

3.22 We may also impose either a permanent or temporary maximum limit on the total
amount of cash or value you can obtain with your Card (including a daily transaction
limit). We may do so without telling you first where we reasonably consider it should
be done for the security of a system or an account, including to prevent criminal activity
or fraud.

3.23 Third party organisations including merchants or other financial institutions may
impose their own restrictions on the amount of cash or value you can obtain with your
Card. They may also refuse to accept your Card and we will not be liable where they
refuse to do so.

3.24 Transactions and purchases made on your Card Account may not be approved. We are
not liable for those that aren’t approved, even if you have enough available credit on
your Card Account. If we detect unusual or suspicious activity, we may suspend or
cancel your Card Account. We may also limit the number of transactions approved in a
single day.

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 Excess of Credit Limit - Overlimit
3.25 If you have agreed to an Overlimit, we may from time to time, allow you to exceed your
Credit Limit/Customer Credit Limit and/or allow your Supplementary Cardholder(s) to
exceed his/her assigned Supplementary Card(s) limit (if a separate credit limit is
assigned) as we deem fit (“Overlimit”).

3.26 Notwithstanding the Overlimit Amount:

(a) your Credit Limit or Customer Credit Limit does not change;

(b) a fee may apply; and

(c) you must pay the Overlimit Amount including any fees (if applicable) and
charges immediately upon our request or by the next Payment Due Date,
whichever is earlier (unless we tell you otherwise).

3.27 You are liable for all amounts used, including the Overlimit Amount above the Credit
Limit/Customer Credit Limit. If you do not pay such amounts when due, we may
suspend the use of your Card Account until the Card Account is once again under the
Credit Limit or Customer Credit Limit, or we may terminate your Card Account.

3.28 Notwithstanding that you have not agreed to any Overlimit, your account may still go
Overlimit in the case of the following transactions:

(a) stand-in processing transaction;

(b) interest or fees imposed by us; and

(c) auto-debit transaction (or Recurring Card Instructions).

3.29 In ascertaining the Overlimit Amount, we shall take into account your Credit Limit
minus any Current Balance on your Card Account (including any outstanding balances
on retail transactions, Balance Transfer amounts, Cash Advance amounts and all
Monthly Instalment(s)(inclusive of instalments not due or billed).

3.30 In addition to making the payment stated above, you must also pay us the Current
Balance, or if you choose not to settle the Current Balance in full, then at the very least
the Minimum Monthly Payment, by the Payment Due Date. If you do not, we may
suspend use of your Card Account until the Current Balance is settled, or we may
terminate your Card Account.

3.31 Without derogation to the foregoing:

(a) if you make any application, request or instruction for a temporary increase
in your Credit Limit and there are amounts in excess of your Credit Limit in
your Card Account after the period of the temporary increase reasonably
specified by us and notified to you; or

26
 (b) if you use the Card after being informed prior to such usage, that you are able
to exceed or have exceeded your Credit Limit,

you are consenting to exceed the Credit Limit or go Overlimit and the applicable
charges for Overlimit.

3.32 Notwithstanding that, at all times, the discretion for allowing you to go Overlimit
resides with us solely.

3.33 In the event the Current Balance exceeds your Credit Limit after the expiry of any
temporary increase in Credit Limit or if you continue using your Card to Overlimit, you
will be liable for all amounts in excess of your Credit Limit, including any fees (if
applicable) and charges. Such amounts are payable by you immediately upon our
reasonable request or by the next Payment Due Date, whichever is earlier.

Right to Restrict or Refuse Credit

3.34 We are entitled at any time (by giving you notice) to restrict or limit your credit or
refuse and otherwise withhold credit as we reasonably deem fit due to reasons such as
non-performance of Card Account or legal action instituted against you.

3.35 If we detect unusual or suspicious activity on your Card Account, we may temporarily
suspend your credit privileges until we can verify the activity.

4. Supplementary Cardholders
Can you have Supplementary Cardholders on your Card
Account?
4.1 Subject to our approval, you can ask us to issue a Card to another person as a
Supplementary Cardholder if they are eligible. For supplementary card applicants, the
minimum age for all card types is 18 years old (except for the Citi Business Platinum
card where the minimum age is 21 years old, and is only for employees with a declared
income of RM24,000 per annum). If we agree, we will issue that person with a Card.

4.2 From time to time we may change the eligibility criteria for Supplementary Cardholders
or place limits on the number of Supplementary Cardholders you can have by notifying
you of such change.

4.3 An annual fee will be charged for each Supplementary Card. For details, please visit
www.citibank.com.my to view the Fees and Charges table.

4.4 If you request for a Supplementary Card, you must pay us for all charges made by the
Supplementary Cardholder(s), including charges for which you may not have intended
to be responsible for and notwithstanding that the Supplementary Card(s) may bear
different credit card account numbers and may have separate assigned credit limits.

27
4.5 You are responsible for the Supplementary Cardholder’s use of your Card Account and
the Supplementary Card and you need to ensure that the Supplementary Cardholder
complies with the terms of this agreement as if they were you. The Supplementary
Cardholder(s) may be subject to any other terms and conditions as we may reasonably
impose from time to time. The Supplementary Cardholder(s) agrees to be bound by
this Agreement, the Bank’s rules and regulations and all other terms and conditions
applicable to the Supplementary Card(s).

4.6 If you ask us to issue a Card to a Supplementary Cardholder you agree:

(a) to provide us with certain personal information about the Supplementary

Cardholder; and

(b) before doing so, to obtain the Supplementary Cardholder's consent to you
providing us with that personal information and to us sharing that personal
information and any information we obtain about the Supplementary Cardholder
including information about their transactions on the Card Account as allowed by
applicable law and as set out under this Agreement.

4.7 All amounts charged to the Supplementary Card(s) will be transferred to your Card
Account at the next statement date. As such and subject to this Agreement, the
Supplementary Cardholder(s) will be able to utilise his/her Supplementary Card(s) up
to the whole amount of your available Credit Limit or Customer Credit Limit (if no
separate credit limit is assigned to the Supplementary Card(s) or as the case may be,
up to the whole amount of the assigned credit limit of his/her Supplementary Card(s)
(if a separate credit limit is assigned) after the date of the statement so long as the
aggregate charges on the Card and Supplementary Card(s) do not exceed your Credit
Limit or the Customer Credit Limit, whichever is lower.

4.8 You can set a separate limit that will apply to the Card of a Supplementary Cardholder,
provided it is less than the overall Credit Limit or Customer Credit Limit applicable to
your Card Account. That separate credit limit is part of the overall Credit Limit
applicable to your Account. Even though the Supplementary Card(s) may have a
separate credit limit, if such has been assigned, we are entitled (but not obliged), as we
reasonably deem fit in accordance with Section 3 above, to approve transactions that
result in the credit limit of the Supplementary Card(s) being exceeded, in which event
you must still pay us for all charges made by your Supplementary Cardholder(s)
including the amounts in excess of the assigned credit limit. Please see Section 3 on
“Excess of Credit Limit – Overlimit” for further details on exceeding the credit limit.

4.9 If there is a shared limit between principal Card and Supplementary Card, your request
for an increase in your Credit Limit will also cause the Credit Limit of the Supplementary
Cards to increase as well unless you request otherwise.

4.10 Unless the Supplementary Card is terminated earlier than the principal Card for any
reasons, the Supplementary Card(s) is valid for so long that the Card is valid. Upon the
termination of the Card for whatever reason, the use of the Supplementary Card(s) will
also terminate. To the fullest extent permitted by applicable law, you and/or the

28
 Supplementary Cardholder(s) will be liable to us for all amounts and charges due and
owing to us howsoever arising from the use by the Supplementary Cardholder(s) of his
own Supplementary Card(s).

What a Supplementary Cardholder can and cannot do

4.11 A Supplementary Cardholder will be able to operate the Card Account and use the
Supplementary Card (and if they are issued with one or some Security Codes or Devices,
our Digital Banking Services) in the same way that you can. However, in the event that
any transaction is performed by Supplementary Cardholder, only Principal Cardholder
will receive notification/transaction alert via SMS or any notification via other channel
with regards to any transaction performed by Supplementary Cardholder. To the
extent that this agreement relates to the use, operation or security of a Card, Card
Account, Security Code or Device references to ‘you’ and “your” mean you and/or any
Supplementary Cardholder.

4.12 Supplementary Cardholder cannot:

(a) ask us to increase the Credit Limit or Customer Credit Limit on a Card;

(b) request an increase to a transaction limit;

(c) make a request to close the Card Account, cancel a Card or remove another
Supplementary Cardholder;

(d) ask us to issue a Card to another Supplementary Cardholder or request a

replacement Card if you (as the primary cardholder) have made a request to
cancel that Card; or

(e) update any Principal Cardholder’s records including addresses and phone
numbers held by us.

What if you no longer want the Supplementary Cardholder on

your Card Account?
4.13 You can ask us to remove a Supplementary Cardholder from your Card Account by:

(a) contacting us through CitiPhone Banking or Citibank Online (as the case may
be); or

(b) way of written instruction to us to the address or channel designated by us.

4.14 We will cancel the Card held by the Supplementary Cardholder as soon as reasonably
practicable, but it may take some time. You will continue to be responsible for any
purchases or other transactions made by the Supplementary Cardholder before the
request is processed.

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5. Fees, charges and interest
What fees and charges do you need to pay?
5.1 You must pay fees and charges which are applicable to your Card Account. The fees
and charges which are applicable to your Card Account and the Card are set out in the
fees and charges table which can be found by visiting www.citibank.com.my. Those
fees and charges may be changed by us by giving you adequate prior written notice.

5.2 We will charge to your Card Account, and you must pay, those fees and charges
together with any applicable Taxes that apply in respect of this agreement or the
operation of your Card Account.

5.3 Interest is payable on those fees and charges, unless not allowed by any applicable law.

5.4 We have the right to debit your Card Account and/or any other account you may
maintain with us with the amount of any charges, fees, costs, expenses, interests,
Taxes, commissions and penalties which are due to us by you. Further information on
our right to debit is set out in Section 16 on “Our right to debit your account for certain
charges”.

5.5 Your Card Account is subject to the following fees of an amount that we may
reasonably prescribe, and which is payable by you to us:

(a) an annual fee for the issue of your Card and for each renewal of your Card;

(b) a handling charge for a replacement Card to be issued;

(c) finance charges (if applicable);

(d) a transaction and/or conversion fee or any fee referred to by any other name
for any foreign currency transactions;

(e) charges of retail transactions made outside of Malaysia;

(f) a Cash Advance fee (if applicable);

(g) a statement retrieval request charge to be imposed in the event you request
for any statement;

(h) charges and fees for the provision of copies of sales/Cash Advance drafts or
any other documentation;

(i) Overlimit fee for the amount charged to your Card which is in excess of your
Customer Credit Limit (if applicable);

(j) monthly paper statement fee;

30
 (k) additional statement request fee; and

(l) such other charges and fees notified to you from time to time with adequate
prior notice.

5.6 Please visit www.citibank.com.my to view applicable fees and charges (which may be
revised from time to time by us by giving you adequate prior written notice).

5.7 We are also entitled to levy an administration charge as we may reasonably prescribe
if any cheque presented by you for payment is dishonoured due to insufficient funds
or ambiguous amount, or any other reason not caused by us which results in the
cheque being faulty. Please visit www.citibank.com.my to view applicable charges
(which may be revised from time to time by us by giving you adequate prior written
notice).

5.8 To the fullest extent permitted by law, all fees paid in connection with the Card to us
are non-refundable.

Interest (Finance Charge)

5.9 Except to the extent an Interest Free Period applies, we charge you, and you must pay,
interest on every amount charged to your Card Account. This is known as Finance
Charges. Interest Free Periods is explained further in Section 15 "Additional terms
about Interest".

5.10 For the avoidance of doubt, You will incur Finance Charges if you:

(a) pay us less than the Current Balance including the Monthly Instalment (and
including only paying the Minimum Monthly Payment) on or before the
Payment Due Date;

(b) make no payment by the Payment Due Date;

(c) make a payment after the Payment Due Date; or

(d) have taken a Cash Advance.

We can also charge to your Card Account, just before your Card Account is closed, any
Finance Charges that has accrued up to (but not including) the date of closure and that
has not been charged to your Card Account at that time. Finance charges will be levied
on the outstanding balance or Current Balance in your statement at the rates
prescribed by Bank Negara Malaysia under its guidelines (including its credit card
guidelines, as amended from time to time) (or such other rate that may be lower as
determined by us at our reasonable discretion and as we reasonably deem fit) and
subject to the maximum rates for the following categories.:

Annual rate
Transaction Description
(per annum)

31
 Cardholders who promptly settle their Minimum
15% Monthly Payment due for twelve (12) consecutive
months.

Finance charges
Cardholders who promptly settle their Minimum
for
17% Monthly Payment due for ten (10)/ eleven (11) months
retail transactions/
in the last twelve (12) consecutive months.
purchases

Cardholders who make nine (9) months or less prompt

18% payments of their Minimum Monthly Payment in the
last twelve (12) consecutive months.

Finance charges on Finance charges applicable to the Monthly Instalments

Monthly are at the prevailing rate for Finance Charges for retail
Up to 18%
Instalments transactions/purchases.

Daily interest will be charged on the Cash Advance fee

Finance charges on
18% and the total Cash Advance amount from the date of
Cash Advance
transaction until full repayment.
Up to 8.99%* per annum daily interest on the total
Finance charges on
up to 8.99% Balance Transfer amount. *This may be offered at lower
Balance Transfer
promotional rates for stated period.

5.11 Finance Charges are computed on:

(a) all transactions charged to you in connection with the use of your Card
including retail transactions commencing from the day they are posted
except for

(i) Cash Advance, where finance charges will commence from

transaction date; and

(ii) Monthly Instalment, where finance charges will commence from

one day after posting date.

(b) the unpaid balance or outstanding balances including Monthly Instalments

carried forward from the previous statement or statements, commencing on
the respective dates for the computation of Finance Charges as set out in (a)
above; and

(c) Balance Transfers from other credit card accounts to your Card Account.

5.12 Subject to any restriction imposed by Bank Negara Malaysia (including its credit card
guidelines, as amended from time to time), the Finance Charges are imposed on the
portion of balances that relates to finance charges and other fees or charges (excluding

32
 late payment charge) that we carried forward from balances posted in previous
statements.

5.13 No Finance Charges will be imposed if you have fully settled the preceding month’s
Current Balance in full (or in the case of Monthly Instalment, if you have settled all of
your Monthly Instalment in full) on or before the Payment Due Date as evidenced by
the current month’s statement, for which, you will enjoy an Interest Free Period of at
least twenty (20) days commencing from the date of the current month’s statement.
The Interest Free Period from the statement date for new retail transactions and
current month’s Monthly Instalment(s) is only applicable if you make full payment on
the outstanding balance from the previous month’s statement of account by the
Payment Due Date.

5.14 We will issue statements periodically, for which, you will either receive an e-statement
or a physical statement sent by post to your mailing address (last notified by you and
in our records) if you are not enrolled in e-statement. Upon receipt of your monthly
statement, you may choose to pay the Current Balance appearing in your monthly
statement in full or if you choose not to settle the Current Balance in full, you must pay
as a minimum, the Minimum Monthly Payment on or before the Payment Due Date.
Please see Section 6 below on “Credit Card Statements” for more information on your
statements.

Late Payment Charges

5.15 If the Minimum Monthly Payment is not made by the Payment Due Date, a late
payment charge will be levied at 1% of the unpaid balance from retail transactions and
Cash Advances, subject to a minimum late payment charge of RM10 and up to a
maximum of RM100.

5.16 Late payment charges are only applicable to retail transactions and cash advances. For
the avoidance of doubt, Finance Charges will not be imposed on the amount of late
payment charges.

6. Credit Card Statements

6.1 We will make available to you a monthly credit card statement on the statement date
so long as you have a minimum outstanding Current Balance in your Card Account
(except where the law or regulations do not require us to).

6.2 Each credit card statement will set out amongst others:

(a) the amount you owe at the end of that Statement Period; and

(b) any Finance Charges;

(c) other applicable fees and charges;

(d) your Minimum Monthly Payment and the Payment Due Date;

33
 (e) your current Credit Limit and Customer Credit Limit (if applicable); and

(f) an itemised list of current charges, payments and credits and other important
information.

6.3 Please note the amounts you owe under your Card Account are owed to us regardless
of whether you access or receive your credit card statement.

6.4 If you have entered into a Fixed Payment Option, your credit card statement will also
include additional information. See Section 18 "Fixed Payment Options and Special
Promotions or Citi Credit Card Products".

6.5 If requested, physical/hardcopy monthly statements will be sent to your last known
address in our records. Such statements are deemed to have been received by you on
the 5th day after posting.

6.6 It is your responsibility to examine all entries in the monthly statement or any advices
and you will be deemed to have done so. If there are errors, discrepancies or
inaccuracies in the statement, you are under a duty to report them to us in writing
within 14 days from the date you received or are deemed to have received the
statement. See Section 27 “Contact Us” for further information on how you can
contact us.

6.7 If for any reason, we do not receive a written notification from you within 14 days of
any error in the statement, then you are deemed to have accepted the entries in the
statement (made up to the date of the last entry) as correct and conclusive evidence
of the facts contained in the statement. For the avoidance of doubt, this provision only
applies to you without affecting our rights to make good, correct or reverse any entries,
including to recover any monies mistakenly credited into your Card account (whether
by a third party or for the use of Citibank) for which you will be liable to pay over to us.

6.8 Unless you notify us in the manner stated above, the statement will be considered
conclusive and binding against you, your legal representatives and successors save
where there is fraud or manifest error (for example, unauthorized transactions or
fraudulent or wrong entries).

6.9 For the avoidance of doubt, proof of sending of a written notification to us is not proof
that we have received your written notification if we have in fact not received it.
Subject to the requirements of applicable law, you should obtain acknowledgment of
our receipt of your written notification.

6.10 If you dispute any transactions stated in your statement, we may as we reasonably
deem fit, carry out any investigation(s) on the disputed transaction(s), in which case
the following apply:

(a) If our investigation(s) reveal or indicate that you are liable for any of the
disputed transaction(s), we are entitled to levy the following charges:

34
 (i) an investigation(s) charge(s) as we may reasonably deem fit based
on the cost incurred for such investigation; and

(ii) finance charge(s) from the date of the disputed transaction(s) until
the conclusion of our investigation(s).

(b) No finance charge(s) and/or investigation charge(s) will be levied against you
if the investigation(s) reveal that you are not liable for any of the disputed
transaction(s).

Our findings in any investigation conducted in relation to your Card Account are final
and binding on you save where there is fraud or manifest error.

For the avoidance of doubt, you may contact the Ombudsman for Financial Services
should you wish to continue pursuing a claim on a disputed transaction.

E-Statement Facility
6.11 You can choose to receive your statement via electronic form by signing up for our e-
Statement facility on our website at www.citibank.com.my or “Citibank Online”. Upon
your successful signing up, you may view any statements, notices or information
through your computer terminal, or any hardware capable of connecting to the
internet and which can perform transactions (for example, mobile phones, tablets and
wearable technology) which are acceptable for use by us.

6.12 If you are enrolled in e-statement, your e-statement will be sent by e-mail to your e-
mail address (last notified and in our records) or you may receive a Communication
(defined below) that your e-statement is available, and you may access or download
your e-statement from Citibank Online and/or Citi Mobile® Apps.

6.13 Once you have successfully signed up for the e-statement facility:

(a) you will be bound by the terms and conditions which govern the use of the
e-statement facility which can be viewed on Citibank Online and/or Citi
Mobile® Apps; and

(b) your enrollment will start on the next statement date and we will cease
sending you physical copies of statements, notices or information after that
until the e-statement facility is cancelled or terminated by you or us.
However, whilst the e-statement facility is still active, if you request for a
physical copy of any statements of account, notices or information, we may
charge you a reasonable fee for a physical copy, as set out in the Fees and
Charges table on www.citibank.com.my.

35
7. Payments
What do you have to pay and how we determine it?
7.1 The outstanding balance appears as the Current Balance as specified in your statement.

7.2 To determine the Current Balance, we begin with the outstanding balance in your Card
Account at the beginning of each billing period. We will add any purchases, Cash
Advances and Monthly Instalments and subtract any credits or payments credited as
of that billing period. We then add the appropriate finance charges and fees and make
the applicable adjustments.

7.3 You must pay at least the amount shown on your credit card statement as the
Minimum Monthly Payment by the Payment Due Date.

7.4 You must also immediately pay any Overlimit Amount and any amount which is
overdue and unpaid. Your credit card statement will set out those amounts (if any).

7.5 You must pay all amounts owing under this agreement without setting off amounts you
believe we owe you.

7.6 You can pay more than the Minimum Monthly Payment if you want, up to the amount
you owe us.

7.7 All such monies and Charges are payable by you in full without any set-off or
counterclaim or any restriction or condition, and free and clear of and without
deduction for present or future Taxes or any other excise or property taxes, levies,
charges, or withholdings, and all liabilities with respect to the same (if any). If you are
obliged by law or regulation of any jurisdiction, domestic or foreign, or any agreement
entered into with and between Authorities, to deduct or withhold (whether for
payment of any Taxes or otherwise) any sum from any payment to us, you must
increase the amount of the payment so that the net amount received by us will equal
the amount due to us.

7.8 All such monies and charges payable by you are exclusive of any sales and services tax
or other value added tax (whether imposed in Malaysia or any other jurisdiction) which
will, where applicable, be paid by you in addition to any sums otherwise payable, at the
rate in force at the due time for payment or such other time as is stipulated under the
relevant legislation.

7.9 In regard to any deduction or withholding of Taxes,

(a) If we and/or Citigroup Inc, Citigroup Organisation are obliged by law or

regulation of any jurisdiction, domestic or foreign, or any agreement entered
into with and/or between Authorities, to deduct or withhold (whether for
payment of any Taxes or otherwise) any sum from any payment payable by
us to you, you authorise us to withhold and to pay the net sum over to you

36
 or to place such sum in any of your Other Bank Accounts with us or such other
Account(s) as you will instruct (unless at such time there are any monies
owing by you to us, in which case we are entitled to deduct the amount of
monies owing).

(b) Any such deductions or withholdings shall be timely paid to the relevant
Authority in accordance with the relevant requirement. You will be notified
of any such deductions or withholdings as soon as reasonably practicable.
You hereby acknowledge that we will not be required to reimburse you for
any amount withheld or deducted and paid by us or a Payment Infrastructure
Provider to the relevant Authority. Further, to the extent Citigroup Inc,
Citigroup Organisation, we or any of its, their and our Third Party Service
Providers pays or has paid from its own funds or is or will become required
to make a payment to an Authority in respect of an amount that should have
been, but was not, Taxes and any other amounts collected, you shall
indemnify us for such reasonable payments, plus any interest and penalties
on such payments. You understand that we are not required to contest any
demand made by an Authority for such payments. You hereby represent that
you have provided to and secured from any person that will own a beneficial
interest in a payment from us, any notices, consent or waiver necessary to
permit Citigroup Inc, Citigroup Organisation, us or any of its, their and our
Third Party Service Providers to carry out the actions described in this
paragraph.

Minimum Monthly Payment

7.10 “Minimum Monthly Payment” means:

(a) (i) 5% of the total outstanding balance* (if any);

*Outstanding balance refers to retail transactions amount (if any)

+ Balance Transfer amount (if any) + Cash Advance amount (if
any) + Finance Charges and fees (if any)

(ii) 100% service tax (if any);

(iii) 100% Monthly Instalments (if any); and

(iv) 100% past due amount (if any);

OR

(b) RM50; whichever is higher.

If your Current Balance is below RM50, the Minimum Monthly Payment will
be 100% of your Current Balance.

37
7.11 If the Minimum Monthly Payment amount is unpaid, partly paid or paid after the
Payment Due Date, we may, without affecting your obligation to pay Finance Charges
or our right to terminate or cancel the use of your Card, impose such fees and/or late
payment charges until the Minimum Monthly Payment is paid in full, and/or may allow
you to pay:

(a) if the Current Balance does not exceed your Credit Limit, the current
Minimum Monthly Payment which includes any unpaid previous Minimum
Monthly Payment;

(b) if the Current Balance exceeds your Credit Limit, the current Minimum
Monthly Payment which includes the excess over your Credit Limit and the
unpaid previous Minimum Monthly Payment.

7.12 We reserve the right to terminate or cancel your Card if you continue to default in the
payment of the Minimum Monthly Payment by the Payment Due Date.

How can you make a payment

7.13 You must make payment of all monies, Finance Charges, fees and charges for which
you may become liable in the same currency as the currency of your Card Account
(which is Ringgit Malaysia), and in the manner we reasonably specify from time to time
unless we tell you otherwise. See Section 16 "How can you make a payment?" for any
restrictions on the payment methods that we accept.

7.14 For retail transaction made in currencies other than Ringgit Malaysia (RM), we may
convert at such rate we reasonably deem fit (which determination will be in accordance
with Section 12 below on “International and foreign currency transactions”) any
payment received for any of your Account(s) (in a currency different from that of such
Account(s)) into the currency of that account(s), and you will bear the cost of such
conversion.

Certain payment methods and late payments may attract a fee. For details, please visit
www.citibank.com.my to view the Fees and Charges table. Also see Section 5 above on
Late Payment Charges for further information.

How we process and apply payments

7.15 We will process payments made to your account as soon as reasonably practicable
after receipt of the payment. However, there may be delays in processing your
payment such as if:

(a) the payment has not cleared; or

(b) we receive your payment on a day that is not a Business Day.

38
7.16 If you make a payment and that payment is subsequently dishonoured, a dishonour
fee, may apply. For details, please visit www.citibank.com.my to view the Fees and
Charges table.

7.17 Payment will not be considered to have been made until all relevant funds have been
received for value by us and entered into our records on the day following receipt of
payment by us, and until then, Finance Charges may continue to be charged. For the
avoidance of any doubt, even if balances reflected on Citibank Online or Citi Mobile®
App has captured inbound transfer or payments effected by you, payment made on
non-Business Days i.e. Saturday, Sunday or gazetted public holidays in Malaysia may
not enter into our records on those days.

For the avoidance of further doubt:

(a) any transactions via cash deposit, cheques or other negotiable instrument
shall be deemed as having been made:

(i) if by a deposit of cash, upon verification by our designated

personnel of the deposit and the amount and when the amount is
entered into our records; or

(ii) if by a deposit of cheques or other negotiable instruments, upon

verification by our designated personnel of the deposit, the
amount and the Cardholders or drawer’s title to such cheques and
other negotiable instruments, and when the amount of such
deposit in cleared funds is entered into our records.

(b) the return slip generated automatically by our cash deposit machine and
cheque deposit machine only confirms the deposit has been transacted but
not the amount deposited, hence will not be treated as received for value
until the amount transferred is entered into our records; and

(c) any payments made by debit instruction or fund transfers, for example, Inter-
bank GIRO System, Citibank Online or CitiPhone Banking, shall be deemed as
having been made, if the transfer on the day following cleared funds, our
receipt of the same and/or when the amount is entered into our records.

How we apply payments

7.18 If any law requires us to apply payments in an order, we will apply payments in that
order. For more details of how we apply your payments, see Section 16 "How are the
payments applied?".

39
8. Errors, disputed transactions, chargebacks
and refunds
Identifying errors on your Card Account
8.1 You should check your receipt at the time of the transaction (and keep your receipt)
and, if there has been a mistake, you should let the merchant know at that time.

8.2 You should check all of the entries on your credit card statement when you receive it.

Disputed transactions and chargebacks

8.3 You agree to settle all disputes directly with the merchant who honoured your Card or
the relevant member institution of any card associations.

8.4 If you think there has been an error on your credit card statement or otherwise want
to dispute a transaction on your Card Account, you must notify us by contacting
CitiPhone Banking as soon as possible and no later, for disputed transaction, than 14
days after your receipt of the credit card statement on which the transaction is
recorded.

8.5 If you have a problem with goods or services purchased using a Card then in some
circumstances the applicable card network rules may allow us to charge a transaction
on the Card Account back to the merchant involved in the transaction. This is known as
a chargeback.

8.6 If it is available, we will claim a chargeback right for a transaction on your Card Account
if:

(a) you ask us to do so; and

(b) you give us the correct information and exchanged with the merchant any
other relevant information or material we require to support a chargeback,
within 14 days after the date of the credit card statement on which the
transaction is recorded.

8.7 If, within the time limit set by the credit card network rules, you tell us that you want
to dispute a transaction on a Card, then we:

(a) will claim the relevant amount back if we find it has been incorrectly charged
and you have not contributed to the loss; or

(b) may accept the merchant’s refusal to make that chargeback if the refusal is
made in a way allowed under the relevant card network rules.

8.8 The ability to dispute a transaction may be lost if it is not reported to us within the
applicable timeframes. However, the timeframes for disputing a transaction will not

40
 apply where we are bound by an applicable law, guideline or code which allows a longer
time.

8.9 Where your request for a chargeback is not settled to your satisfaction, we will tell you
the available subsequent procedures for further investigation and resolution of the
dispute.

8.10 Despite any dispute and/or chargeback right you may have in relation to a transaction
made using your Card we are not liable should you encounter any problems with the
goods or services that you obtained through the use of your Card. Even in case of non-
delivery, non-performance or defects of the goods or services, you must pay us the full
amount charged to your Card Account for the goods or services purchased. If you have
a dispute with merchants, you must resolve it directly with them. We are not liable or
responsible for the quantity, quality or any other aspect of the goods or services
supplied to you by a merchant. In particular, you and the merchant have to agree on
the setting up, modification or termination of any direct debit arrangement to charge
payments to your Card Account. We have the right not to act on any request to set up,
modify or terminate such arrangement if there is any dispute between you and the
merchant.

Conclusive Evidence
8.11 Any admission or acknowledgement in writing by you or any person authorised by you
of your amount of indebtedness to us, and any judgment recovered by us against you
in respect of such indebtedness is binding and conclusive in all Courts of law in Malaysia
and elsewhere save where there is fraud or manifest error (for example, unauthorized
transactions or fraudulent or wrong entries).

8.12 You agree that a certificate of indebtedness issued by any one of our officers is
conclusive and binding evidence as to the amount due to us under your Card Account
save where there is fraud or manifest error (for example, unauthorized transactions or
fraudulent or wrong entries). Such certificate is conclusive evidence against you in any
legal proceedings.

Refunds by us
8.13 We will give you a refund:

(a) as set out in this agreement; or

(b) when a dispute is resolved in your favour; or

(c) if we receive a refund (or some other refund verification acceptable to us)
from a merchant.

8.14 Refunds will reduce your Card Account balance but do not count towards your next
monthly repayment obligations.

41
8.15 Please see Section 12 “Credit balance” on refunds of your credit balance.

Merchant Refunds
8.16 A merchant refund will be credited to your Card Account. We will not return the refund
to you in cash. We can determine the part of the Unpaid Balance to which the refund
will be credited. Merchant refunds of purchases that have earned you rewards points
will result in a corresponding reduction in your rewards points. If you consider that a
merchant refund has not been applied correctly, please contact us.

Merchant Surcharges
8.17 Some merchants, including those located overseas, may charge you a fee for using your
Card to make a purchase or obtain a Cash Advance. The fee may be a percentage of
your transaction or a flat fee and will be added to the amount of your transaction.
Usually the merchant will tell you about this fee before you use your Card, but not
always. We do not control these surcharges, cannot prevent them and are not
responsible if they are charged to you.

9. Security and liability

Security of the Card, Security Codes and Devices
9.1 You must keep Security Codes secret and take all reasonable steps to protect their
security.

9.2 If you make a record of your Security Code you will need to take all reasonable steps
to prevent unauthorised access to the record or ensure the record is reasonably
disguised. You should not keep any written record of your Security Code (including
your PIN) at any place or in any manner which may enable a third party to have access
and/or make use of your Card and you should keep your Security Code safe in
accordance with Section 9 below on “How to protect your Card and Security Code”.

9.3 Failure to comply with this requirement will expose you to the consequences of theft
and/or unauthorised use of your Card, for which we will not be in any way liable. We
will also not be liable for any claims from any party and/or liabilities arising from the
use of your Security Code (including your PIN), regardless whether such use is
authorised.

42
 How to protect your Card and Security Code
What you must do
• try to memorise the Security Code;
• destroy any record of the Security Code;
• use care to prevent anyone else seeing
your Security Code being entered in
Electronic Equipment or overhearing the
Security Code;
• take reasonable steps to protect your
Card or Security Code from loss, theft or
unauthorised access;
• immediately destroy any expired Card by
cutting the Card into halves or several
pieces across the magnetic strip and the
microchip embedded in the Card (if any)
so that those components are completely
damaged;
• notify us immediately upon receiving an
SMS transaction alert if the transaction
was unauthorised; and
• notify us immediately after having
discovered that the Card is lost, stolen, an
Unauthorised Transaction had occurred
and/or there has been a disclosure of your
Security Code.
What you must not do
• allow your Card to be out-of-sight;
• let anyone else use your Card or Security
Code;
• voluntarily disclose your Security Code to
anyone, including a family member or
friend or our employees;
• choose a numeric Security Code which is
clearly identifiable with you (such as birth
date, identity card, passport, phone
number, post code, driving license or car
registration number) or an alphabetical
Security Code which represents a
recognisable part of your name;
• keep a record of your Security Code
(without making a reasonable attempt to
disguise the Security Code) on the Card or
any item normally carried with or stored in
close proximity with your Card, or which is
liable to loss or theft at the same time as
the Card or on anything and anywhere
which could be understood by any other
person as your Security Code;
• use the same Security Code without
changing it regularly; or
• use the Security Code from non-verified
internet sites.

What to do if you suspect the security of your Card, Security

Code or Device has been breached or an Unauthorised
Transaction has occurred
9.4 If you suspect the security of any Security Code has been breached, your Card or any
Device has been lost, stolen or misused or an Unauthorised Transaction has occurred,
you must tell us as soon as possible by contacting us using CitiPhone Banking Customer
Service team. For more information, please see “Contact Us” section in this
Agreement.

9.5 In the event of any loss, theft of the Card, and/or disclosure of the PIN to any person,
you must, if so requested by us, provide us with your written confirmation of such
event and/or forward us a copy of the police report made by you of the loss, theft of
the Card and/or disclosure of the PIN to any person no later than seven (7) days or as

43
 soon as practicable from the occurrence of such loss theft, unauthorised use of the
Card and/or disclosure of the PIN.

9.6 Where a Card or Security Code has been the subject of notification to us , it must not
be used again even if it is later found. You must immediately upon retrieval of the Card,
cut the Card into halves or several pieces across the magnetic strip and the microchip
embedded in the Card (if any).

Liability
9.7 Liability in a particular circumstance will depend upon the nature of the transactions
and the applicable laws and rules that apply to us in relation to that specific transaction.
Section 22 "Additional terms about security and liability for transactions" sets out
how we will determine liability for loss in relation to different types of transactions.
Please read those sections carefully so that you understand when you will be liable and
when you won’t be liable.

9.8 From time to time, our services may be unavailable due to circumstances beyond our
control (such as fires, floods, natural disasters, system or power failures or other
unpredictable events). When this happens, you might not be able to use your Card or
obtain information about your Card Account. To the fullest extent permitted by law,
we will not be responsible for and we disclaim all liability to any actions, claims,
damages, costs, charges and expenses which you may suffer, sustain or incur due to
the reasons herein.

10. Default, block, closure and cancellation

When will you be in default and what does that mean?
10.1 You will be in default under this agreement if you fail to pay in full an amount which is
due :-

(a) under this agreement by its due date (including as a result of any payment
being dishonoured);

(b) under any other credit contract or agreement you have with us.

10.2 You may also be in default if you do, or fail to do, certain other things. Please see
Section 23 "When will you be in default under this agreement?" for further details of
when you will be in default.

10.3 If you are in default, subject to any notice requirements, we will have the right to take
a range of action to enforce our rights. Section 23 "What can we do if you are in
default?" sets out the enforcement and recovery action that we can take and any
notice periods (if any) which apply.

44
 How do you close your Card Account or terminate a Card?
10.4 You can close your Card Account. To do so, you will first need to pay the Current
Balance plus any accrued interest, any fees and charges and all amounts due and owing
but not yet charged to your Card Account, including any reasonable enforcement
expenses. Section 24 "How can you close your Card Account or cancel a Card?"
contain further details of what you need to do if you want to close your Card Account
or cancel a Card.

10.5 It is your sole duty and responsibility to notify the merchant and cancel any existing
standing instructions (including Recurring Card Instruction) prior to or upon
termination of your Card.

When may we close or block your Card Account, cancel a Card,

block a Payment Facility or decide not to provide you with
further credit?
10.6 We can close, block, terminate or cancel your Card Account or Card, block your access
to a Payment Facility or decide not to provide you with further credit in certain
circumstances. For example, we may block or close your Card Account if it is in default,
we reasonably suspect that you or a Supplementary Cardholder are involved in
fraudulent activity, or for security reasons. Section 24 "When can we close or block
your Card Account or Payment Facility, or cancel a Card?" and "When can we decide
not to provide you with further credit?" sets out more detail on when we can take this
action and what you need to do if that happens.

11. Changes we can make to your agreement

11.1 We may reasonably make changes to this agreement with adequate prior written
notice to you. For details of the changes which we can make, when they may be made
and the notice requirements in relation to those changes, see Section 25 "Additional
terms about changes we can make to your agreement".

12. Other things you need to know

Your responsibilities as Cardholder
12.1 Your responsibilities include that you must, at all times:

(a) abide by this Agreement;

(b) take reasonable steps to keep your Card and PIN secure, including at your
place of residence – please refer to Section 9 on “How to protect your Card
and Security Code” for a detailed list of your obligations to keep your Card
and Security Code secure;

45
 (c) cut your expired Card into halves or several pieces across the magnetic strip
and the microchip embedded in the Card (if any) so that those components
are completely damaged;

(d) notify us immediately if you discover that the Card is lost, stolen, an
unauthorised transaction has occurred, and/or your PIN may have been
compromised;

(e) notify us immediately upon receiving short message service (SMS)

transaction alert if the transaction was unauthorised;

(f) notify us immediately of any change in your contact information;

(g) use the Card responsibly, including not using the Card for unlawful activity;
and

(h) check the monthly statement or statement of accounts and report any
discrepancy or inaccuracy without undue delay or within 14 days from the
date you received or are deemed to have received the statement.

12.2 You must also comply with any of your specific responsibilities under this agreement
which include that you must:

(a) make prompt payment of at least the Minimum Monthly Payment by the
Payment Due Date;

(b) ensure that the total amount charged to your Card Account does not exceed
your Credit Limit or Customer Credit Limit (except where you have pre-
arranged or agreed to Overlimit);

(c) notify all merchants and cancel any existing standing instructions prior to or
upon termination of your Card;

(d) notify any relevant merchant of any new replacement Card or issuance of
new Card and update your existing standing instructions;

(e) check that the goods or services you intend to purchase, its description and
the transaction amount(s) is correct before you proceed to complete any
transaction when you use your Card;

(f) provide us with written confirmation or a copy of the police report for the
loss or theft of your Card or disclosure of the PIN to any person within 7 days
(or as soon as practicable) from the occurrence of such loss theft,
unauthorised use of the Card and/or disclosure of the PIN (if required by us);

(g) if you are going to be or reasonably know that you will be absent from
Malaysia for more than 1 month, settle the amount outstanding under your
Card Account at least 7 days prior to your departure; and

46
 (h) if you intend to leave Malaysia to take up residence elsewhere, settle the
amount outstanding under your Card Account and cancel your Card at least
14 days prior to your departure.

Processing transactions and adjusting your Card Account

balance
12.3 A transaction becomes part of the Current Balance from the day it is recorded on our
system as having been charged (the transaction date). Transactions may be processed
on the day they are made or on a later Business Day. The transaction date may be either
the day on which the transaction is made, or the day allocated to them when they are
processed.

12.4 We may decide not to process a transaction, or we may delay it, if we reasonably
suspect or believe that:

(a) there has been, or may be, fraudulent use of your Card Account or the Card;

(b) there are other security reasons for not processing, or delaying, the
transaction;

(c) there has been a breach of any law, or a breach of this agreement that we
reasonably consider may have a material adverse effect on you or us if it were
to be processed; or

(d) the number of or value of transactions charged to your Card Account may
exceed any limits that apply to your Card Account or any Card.

12.5 Some purchases or other transactions may require our approval before they can be
completed, or require you to enter a Security Code. If we do not approve, or we
reasonably delay, a transaction we will not be liable to you or any other person for any
loss or damage that you or the other person may suffer as a result. We do not
guarantee approval of transactions and we are not liable for those that are not
approved, even if you have enough available credit on your account, for example
pyramid or similar schemes and investments.

12.6 We may adjust the balance of your Card Account to rectify any processing error or
because a payment to the Card Account has been dishonoured. We may also adjust the
balance of your Card Account so as to accurately reflect when a transaction was made
and the legal obligations between you and us.

International and foreign currency transactions

12.7 Making payments and the use of a Card, Digital Banking Services and CitiPhone Banking
overseas are subject to applicable local and overseas legal requirements. This means

47
 that making payments and using those facilities may not be possible or you may be
subject to limits (e.g. a maximum amount).

12.8 If a transaction (including retail transaction and/or Cash Advance) is made in foreign
currency, the transaction will be converted into Ringgit Malaysia using US Dollars as
the base currency on the date on which the transaction is received and processed by
Citibank and/or the relevant card payment network (“Payment Network”).

12.9 Transactions in foreign currency other than Ringgit Malaysia shall be converted at
Citibank’s prevailing foreign exchange rate and/or an exchange rate determined by the
relevant Payment Network. The conversion rate is subject to administration charges
levied by the Payment Network and in addition, a foreign exchange conversion markup
will be levied by Citibank on the converted Ringgit Malaysia amount, or such other rate
as reasonably determined by Citibank and notified to you. For details, please visit
www.citibank.com.my to view the Fees and Charges table.

12.10 Because of the conversion processes and the currency conversion rates used in them:

(a) the amount that we charge you in the currency of your Card Account,
Malaysian Ringgit, will usually be different to the amount that you may have
calculated at the time you initiated the transaction; and

(b) if you receive a refund of a foreign currency transaction, the amount of that
refund (which will be in Malaysian Ringgit) might be different from the
amount of the original transaction.

12.11 You agree that in the event of any disputes on the conversion rates determined by the
relevant Payment Network on any transactions made in foreign currency, we will not
be responsible to settle such disputes on your behalf.

12.12 Pending transactions which appear on Citibank Online and/or Citi Mobile® App are
those that have been approved but are pending final settlement by the merchant.
Further, in relation to pending transactions:

(a) The details shown are for your information only. For an official record of
transactions, please refer to your statement.

(b) The transaction description and amount may appear differently when
posted, as it depends on the final settlement by the merchant, foreign
exchange rates, applicable charges (if any) etc.

(c) Some merchants (for example, e-commerce merchants) will initiate an

inquiry transaction, which is usually a small amount to validate the Card.
However, the amount will be cancelled if no settlement has been submitted.

48
 What to do if your contact details or circumstances change
12.13 You must tell us of any changes to your residential or postal address, email address or
fixed or mobile phone number as soon as possible.

12.14 For purposes of informing us, you may do so:

(a) by writing to us in the manner provided in Section 27 on “Communications”,

including via electronic instructions;

(b) via electronic or digital transmission including electronic mail (whether

encrypted or not);

(c) by being present at your branch of account and notifying our duly authorized
personnel;

(d) by writing to the address noted on your monthly statement;

(e) by contacting CitiPhone Banking; or

(f) any other method of notification accepted by us from time to time.

12.15 You undertake and are obliged to inform us promptly if:

(a) you intend to reside outside Malaysia;

(b) there is any change or proposed change in the particulars which you have
given to us (including your mailing, home, electronic or office address, your
home, office or mobile number and your employment or business or
address);

(c) there is any change to the personal information contained in your file or
report held by us; and/or

(d) you think there is any information that we should be aware of about your
ability to comply with this agreement;

and you must immediately provide us with any or other information and documents as
we may reasonably require from time to time.

12.16 We rely on your personal information being kept up-to-date and complete. To the
fullest extent permitted by law, you cannot make any claim against us if our records
are out-of-date, incomplete or inaccurate because we were not advised of the change
and we will not be responsible for any errors or losses associated with a change in your
details if we do not receive adequate notice of the change.

12.17 Notwithstanding the foregoing, we may use any means necessary to verify information
pertaining about you, including your identity.

49
12.18 If you are going to be or if you reasonably know that you will be absent from Malaysia
for more than one (1) month, you must settle the amount outstanding under your Card
Account at least seven (7) days prior to your departure.

12.19 If you leave Malaysia to take up residence elsewhere, you must settle the amount
outstanding under your Card Account and call CitiPhone Banking or give prior written
notice to us for cancellation at least fourteen (14) days prior to your departure. The
provision relating to termination above will subsequently apply and your Card(s) and
all Supplementary Card(s) (if any) must be returned to us.

Service Messages and Marketing Communications

12.20 Please see Section 27 "Privacy" for further details about our collection, use and
disclosure of your information.

Inconsistency and severability

12.21 To the extent that any parts of this agreement are inconsistent with applicable law,
they will be deleted so that the rest of this agreement shall remain valid and
enforceable.

12.22 To the fullest extent permitted by law, if any of the terms of this agreement are, for
any reason, invalid, illegal or unenforceable, that term is to be read down to the extent
of the issue, and the remaining provisions will remain valid and enforceable.

Governing Law and Jurisdiction

12.23 The Agreement is governed by and construed in accordance with the laws of Malaysia
and applicable regulations and/or guidelines by relevant regulatory Authorities,
including Bank Negara Malaysia guidelines. You agree to submit to the non-exclusive
jurisdiction of the Courts of Malaysia or the courts of such other competent
jurisdictions as we may in our reasonable discretion and as we reasonably deem fit to
elect.

12.24 If you are a non-citizen or non-resident of Malaysia, you should be aware of the laws
in your country with regards to your banking and banking relationship with us in
Malaysia. We will not be liable for any loss or liability imposed by your country on you
as a result of your non-compliance with any laws, regulations or directives of your
country.

Compliance with Laws

12.25 You acknowledge that you are solely responsible for, and that neither we nor any other
Corporation in the Citigroup Organisation have any responsibility for your compliance
with any laws, regulations or rules applicable to your use of any products and/or
services in this Agreement including, but not limited to, any laws, regulations or rules,
in your or any other jurisdiction, relating to tax, foreign exchange and capital control

50
 and for reporting or filing requirements that may apply as a result of your country of
citizenship, domicile, residence or taxpaying status.

12.26 You hereby agree to provide us with such information as we may reasonably require
from time to time, and shall update that information as required by us from time to
time, to enable Citigroup Inc., Citigroup Organisation and/or us to comply with any laws
or regulations of any jurisdiction, domestic or foreign, or any agreement entered into
with or between Authorities.

Our rights
12.27 Even if we have previously:

(a) accepted late payments, partial payments, or cheques or money orders

marked as constituting payment in full;

(b) waived any of our rights; or

(c) granted any indulgence;

we are not prevented from enforcing our rights or collecting amounts due to us under
this Agreement. In addition, such actions on our part do not constitute our consent to
the variation of any of this Agreement in any way.

12.28 We may waive our rights under these terms and conditions in certain circumstances,
without affecting our other rights. In doing so, we do not waive the same in other
circumstances.

12.29 In addition, we are not liable for any loss caused by exercising or attempting to exercise
a right, remedy or power or by not exercising it.

12.30 The rights and remedies provided in these terms and conditions are cumulative and
not exclusive of any legal rights or remedies.

12.31 You agree that we may, as we deem fit, check your credit standing from any source
(including credit reference agencies, Bank Negara Malaysia, the Credit Bureau and/or
the Central Credit Reference Information System (“CCRIS”) established by Bank Negara
Malaysia) at any time and from time to time without referring to you.

Assignment, Transfer and Novation

12.32 This Agreement cannot be assigned, transferred or novated by you or a Supplementary
Cardholder without our prior written consent.

12.33 You further agree that the balance standing to the credit of your Card Account and/or
your Other Bank Accounts cannot in any way be assigned, transferred or charged to
any third party by way of security, except with the Bank’s prior written consent and
subject to such conditions as the Bank may reasonably prescribe. The Bank may make

51
 such assignment or transfer to a branch, related corporation or affiliate if it does not
materially affect the provision of services to you or your rights by giving notice to you.

12.34 We may deal with, assign, transfer or novate to any person or company any of our
rights under this agreement and under any related instrument(s), documents and/or
guarantee in connection with it and with the Card Account or securing your obligations
under the same (whether or not, due to what we consider reasonably necessary for us
to comply with the laws or regulations of any jurisdiction, domestic or foreign). This
will not affect your rights or obligations under the agreement.

12.35 You also agree that we are entitled to assign or transfer absolutely to a transferee all
or some of our rights, title, interests, benefits, obligations and liabilities under these
Terms and Conditions and/or under any related instrument(s), documents and/or
guarantee in connection with it and/or with the Card Account and/or securing your
obligations under the same (whether or not, due to what we consider reasonably
necessary for us to comply with the laws or regulations of any jurisdiction, domestic or
foreign). You further agree that any such novation, assignment or transfer may be
effected by us delivering to you a written notice to that effect whereupon:

(a) our assigned or transferred rights, title, interests and benefits are transferred
to and assumed by the transferee;

(b) we will be fully discharged and released from our assigned or transferred
obligations and liabilities;

(c) we retain all rights, title, interests, benefits, obligations and liabilities not so
assigned or transferred;

(d) the transferee is bound by identical rights, title, interests, benefits,

obligations and liabilities which we have assigned or transferred; and

(e) any acknowledgement (including risk disclosure statements and

acknowledgements), information (including information provided in respect
of risk profiling), instruction, order, direction, mandate or authority given by
you to us in relation to the Card Account and/or your Other Bank Accounts
or securing your obligations under the Card Account may be relied and acted
upon by the assignee or transferee as if given by you to the assignee or
transferee and will, unless and until revoked or cancelled, apply and have
effect.

12.36 You consent to us disclosing on a continuous basis any information or documents

relating to you which we consider necessary to assign such rights, manage the assigned
agreement and assess our total liabilities to us and any related entity.

12.37 You also undertake to execute and sign any document (if any) which may be required
to give effect to the assignment or transfer.

52
 Credit balance
12.38 Your Card Account may have a credit balance.

12.39 If your Card Account has a credit balance at or above a certain limit for any period of
time, you agree that we may at our reasonable discretion, choose to refund to you all
or part of the credit balance by sending you a cheque (or other method determined by
us) for all or part of that credit balance (excluding unclear funds).

12.40 If you have any credit balance in your Card Account after termination of your Card, we
shall refund to you such credit balance within 30 days from the date on which you
requested for termination of your Card.

12.41 For the avoidance of doubt, there will be no interest paid on the credit balance due and
owing to you.

Execution of Further Documents

12.42 You undertake to sign such further documents as may be reasonably requested by us
in relation to these terms and conditions and/or the provision of services to you.

13. Accessing and using your Card Account with

our Digital Banking Services and CitiPhone
Banking
Getting started with our Digital Banking Services
13.1 There are two Digital Banking Services which you can use to access and operate your
account - Citibank Online and the Citi Mobile® App.

13.2 You may have already enrolled for our Digital Banking Services when you opened your
Card Account. However, if you have not already done so, you can enrol for Citibank
Online, by going to https://www.citibank.com.my or you can enrol for the Citi Mobile®
App by downloading the app and following the prompts.

13.3 When accessing our Digital Banking Services for the first time, you will need your Card
Account or Card number, access to a mobile phone connected to the mobile phone
number you have provided to us, together with any other information we require. You
may also log into the Citi Mobile® App and access specific services prior to the arrival
of your physical Card.

13.4 Once you have completed the enrolment process, you will be able to access our Digital
Banking Services using your personalised user ID together with your password and/or
quick response code (QR Code) as the case may be and any other information which
we require.

53
13.5 When you want to perform selected online transactions or queries such as Card
Account balance inquiry, Card Account payment, change of PIN or any selected online
transactions or queries through our Digital Banking Services, you will be asked to enter
OTP.

13.6 If you request for our services through Citibank Online services, the terms and
conditions of our online terms and conditions apply in addition to the terms of this
agreement. You can view Citibank Online terms and conditions at
www.citibank.com.my.

Getting started with CitiPhone Banking

13.7 When accessing our CitiPhone Banking for the first time, you will need your Card
Account or Card number together with any other information we require.

13.8 Once you have completed the enrolment process, you will be able to access CitiPhone
Banking using your mobile phone number together with your T-PIN or any other
information which we require.

13.9 When you want to transfer money to another bank account within Malaysia through
CitiPhone Banking, you will be asked to enter the OTP. The OTP will be sent to you via
SMS to your nominated mobile phone number.

Using our Digital Banking Services and CitiPhone Banking

13.10 You can use our Digital Banking Services and CitiPhone Banking to manage your Card
Account, perform a range of transactions and provide or obtain information about your
Card Account. Further information is available at www.citibank.com.my.

Availability of our Digital Banking Services and CitiPhone

Banking
13.11 Not all services and functions may be available through our Digital Banking Services or
CitiPhone Banking at all times. These services may be unavailable due to scheduled
outages or factors which are beyond our control, such as your internet or telephone
connection.

13.12 There is a risk of unauthorised access to your Card Account. You must take all
reasonable steps to protect the security of your access to our Digital Banking Services
and CitiPhone Banking. You should regularly check our website www.citibank.com.my
for updated security tips and alerts.

13.13 We will not be responsible if the Electronic Equipment does not accept your
instructions or the Card fails to work in connection with the relevant Electronic
Equipment save where it is solely caused by our omission, default or negligence.

54
13.14 Smart phones, tablets and other electronic devices can store your Card (such as
through a mobile wallet). This means they can be used to make purchases or other
transactions. Any such transactions will be subject to the terms of this Agreement. App
that use your Card to make transactions may have separate terms of use. We are not
responsible if you do not comply with those terms, or for any consequences resulting
from any non-compliance by you.

Phone Banking Terms and Conditions

13.15 In addition to the terms and conditions above, if you:

(a) request the use of our services via telephone, (whether through telephone
or other telecommunication services offered by us) (the “Telephone
Services”);

(b) have created a T-PIN (i.e. a personal identifying code or number),

the following terms and conditions will also apply:

13.16 We are authorised to act on, and consider as valid and binding on you, any telephone
instructions given by any person quoting or keying in:

(a) the title or number of your Card Account and the valid and current T-PIN for
your Card Account; or

(b) any personal information in relation to you which you previously gave us.

You agree that the quoting and keying in of such information is sufficient proof that the
instructions are authentic.

13.17 We are not obliged to verify the identity or the authority of the person giving the
telephone instructions in or purportedly in your name beyond any verification we may
conduct in accordance with Section 27.24 below. We are not liable for acting on the
telephone instructions which are given by the person, regardless of whether the person
is authorised to do so, and regardless of the circumstances prevailing at the time of
such instructions.

However, we reserve the discretion, as we reasonably deem fit, not to carry out any
such instructions if we have any reason to doubt its authenticity or if in our reasonable
opinion it is unlawful or otherwise improper to do so or for any other reason.

13.18 We may, as we reasonably deem fit, require you to:

(a) confirm in writing the telephone instructions within the period specified by
us, call us to confirm the instructions, provide such other information and/or
execute such other documents which we may deem necessary, failing which
we may treat such instructions as having lapsed; or

55
 (b) refuse in writing the telephone instructions within the period specified by us,
failing which we may treat such instructions as having been confirmed by
you.

13.19 Transactions relating to your Card Account requested by you through the use of the
Telephone Services will be reflected in your next statement. Upon receipt of the
statement, you are deemed to have examined all entries including those requested
through the use of the Telephone Services.

13.20 For the avoidance of doubt, all terms and conditions relating to statements of account
apply to the extent that they are not inconsistent with the terms and conditions of this
provision.

13.21 To the fullest extent permitted by law, we are not liable for any loss arising out of or in
connection with the carrying out or failure or delay in carrying out your instructions,
save where such loss is caused by any breach or negligence by us.

13.22 We may record and monitor your telephone calls and conversations with us for quality,
training and verification purposes. You agree that, subject to any applicable law, we
can record conversations between any of our employees and you or any other person
you have permitted to operate the Card Account and that we can use the recording (or
any transcript of it) in any proceedings in connection with this agreement.

13.23 Further to the above, all documents sent by you and received by us and all other
recordings of your instructions are admissible as primary evidence in any civil
proceedings between us and you.

13.24 We reserve the right to add to or vary any of the Telephone Services available through
telephone or any of the terms and conditions stated here by giving you adequate prior
written notice.

13.25 We reserve the right to reasonably cancel or suspend any of the Telephone Services by
giving written notice to you.

13.26 You will pay us all fees and charges which we may impose in connection with the
Telephone Services. For details, please visit www.citibank.com.my to view the Fees and
Charges table.

13.27 The Telephone Services include checking on the status of your Card Account, making
payments and accepting the offers to participate in the products or programmes as
may be introduced or implemented by us in relation to the use of your Card.

Your communication to us
13.28 Communications given by you to us will be binding on you. You must tell us as soon as
possible if you become aware of any communication relating to your Card or Card
Account which is unauthorised, given in error, forged, fraudulent, unclear or reasonably
capable of being misunderstood, inaccurate or incomplete and rectify the same quickly.

56
 Unless otherwise indicated in these terms and conditions, all communication from you
will take effect only after fourteen (14) Business Day(s) after we receive it or any other
period determined by us and communicated.

13.29 To the fullest extent permitted by law, we will not be liable for any loss or damage
suffered or incurred by you in connection with:

(a) any failure, suspension, interruption, cessation, delay, errors or faults in third
party software, hardware, or by internet or telecommunication service
providers;

(b) any capacity inadequacies, network vulnerabilities, control weaknesses,

security shortcomings, malicious attacks and hacking incidents (except in the
case of our fraud, gross negligence or wilful default);

(c) any corruption or loss of any data through online networks, internet service
providers or other service providers, beyond our reasonable control;

(d) any communications which are unauthorised, conflict with or inconsistent

with any prior communication given by you to us or given in error, forged,
fraudulent, inaccurate or incomplete; or

(e) your provision of wrong or inaccurate information including information

about your mailing address, electronic mail address or mobile phone number
to us or your failure to update us of any change or proposed change in your
mailing address, electronic mail address or mobile phone number.

57
Part 2: Specific information
about your Credit Card
Agreement
14. Unacceptable Transactions and Transaction
Limits
Unacceptable Transactions
14.1 An Unacceptable Transaction is a purchase or other transaction:

(a) that involves a transfer of funds from your Card Account to another account;
or

(b) with a merchant in which the Cardholder has an ownership interest (unless
the merchant is a company whose shares are listed on a stock exchange) or;

(c) made for the purpose of illegal online gambling (other than the purchase of
gaming tokens), wagering and/or betting activities or in connection with
unlawful activities; or

(d) made for the purposes of investing in shares or other financial products.

14.2 You must not make Unacceptable Transactions. However, if you do, you will be liable
to pay us amounts owing in respect of them. You also may have to pay us for any
damages and expenses we suffer or incur a result of any Unacceptable Transactions. In
addition, we may close your Account and terminate this contract/Agreement.

15. Additional terms about Interest

Applicable Interest Rates/Finance Charges
15.1 Unless the transaction or amount is part of a Special Promotion, the Interest
Rate/Finance Charge that applies to the Current Balance of the Card Account is
specified in this agreement (or as otherwise varied by us with notice from time to time).
If the transaction or amount is part of a Special Promotion, the Interest Rate/Finance
Charge that will apply to that transaction or amount will be the Interest Rate/Finance
Charge which we agree with you in relation to that Special Promotion.

15.2 These Interest Rates/Finance Charges are variable and may change.

58
15.3 Different Interest Rates/Finance Charges may apply to different customers as stated in
Section 5 above on “Interest (Finance Charges)”. This is because we may set the
Interest Rate/Finance Charge applying to an individual or group of individuals, based
on risk.

Do you have an Interest Free Period and what does it apply to?
15.4 You will not be charged any Finance Charges if you have fully settled the preceding
month’s Current Balance in full by the Payment Due Date within an Interest Free Period
of 20 days commencing from the date of the current month’s statement. The Interest
Free Period from the statement date for new retail transactions is only applicable if you
make full payment on the outstanding balance from the previous month’s statement
of account by the Payment Due Date.

15.5 For the avoidance of doubt, the Interest Free Period is applicable for retail transactions
only (Cash Advances are excluded).

16. Additional terms about payments to your Card

Account
How can you make a payment?
16.1 Payments can be made by cash, cheques or direct fund transfer to the Card Account
from your Other Bank Accounts or through the Inter-bank GIRO System or otherwise.

How are the payments applied?

16.2 Payment will be applied to settle taxes, followed by the Cash Advance, Monthly
Instalments, revolving balance(s) attracting the highest interest rate to the lowest
interest rate (and in the case of same interest rate, the order will start from the earliest
to the latest transaction date). Payment received will be applied towards settlement of
outstanding finance charges (or interest) followed by outstanding principal balance and
fees and charges.

Our right to debit your account for certain charges

16.3 We may reasonably debit your Account(s) with the full amount of any charges, fees
(including legal fees on a full indemnity basis and stamp duty), costs and expenses,
custody charges, interest, Taxes, commission (including brokerage commission) and
penalties (collectively, "Charges") payable to us whether in respect of:

(a) your Account(s);

(b) any liability of any nature arising (whether in Malaysia or elsewhere) in

respect of your Account(s) or otherwise;

59
 (c) any financing facilities, loans or overdrafts granted to you and any of its
outstanding advances; or

(d) any overdrawn sums on your Account(s).

16.4 Where such monies and charges are payable whether or not in connection with your
Card Account(s), any other products and/or services taken by you from the Bank,
including any financing facilities, loans or overdrafts, the Bank is requested and
authorised to debit all such payments from your Account(s) (if any) by giving you
adequate prior written notice and you must ensure that there are sufficient monies
readily available in your Account(s).

16.5 In the event you specifically permit payment to be made by check, you must issue the
check made payable to Citibank Berhad for [Customer Name] and marked “A/C Payee
Only”. In no circumstances will cash cheques be issued.

17. Balance Transfer

17.1 Subject to these terms and conditions, we may offer you our Balance Transfer Plan
(“BT”) offered by us. BT allows you to transfer the whole or part of your outstanding
balance from any principal credit card account from any Other Licensed Institution
(defined below) to any Citibank Card Account held by you. Your outstanding balance
with the Other Licensed Institution will be paid on your behalf by us in whole or in part
by debiting your Card Account.

17.2 In this section:

(a) "Outstanding Balance" means the outstanding balance (including fees,

accrued interest, finance charges and other charges) shown in the latest
corresponding statement(s) of account from any principal card account of
any credit card held in your name issued by any Other Licensed Institution;

(b) "Other Licensed Institution" means any other banks or banking and finance
companies situated in Malaysia licensed under the Financial Services Act
2013, besides us, which issues credit cards; and

(c) "Amount Transferred" means the whole or part of the Outstanding Balance
that is actually transferred by us to your Card Account by debiting your Card
Account.

17.3 BT is made available to you subject to these terms and conditions. We reserve the right
to transfer the whole or part of the Outstanding Balance as applied by you.

17.4 You are only eligible if you have complied with the other terms and conditions of this
agreement and you are of good credit standing. Subject to our reasonable discretion,
you may be of good credit standing if you have not:

(a) defaulted in any payment on Payment Due Date;

60
 (b) exceeded your respective Credit Limit; and/or

(c) defaulted in any other facilities granted by us.

17.5 You must submit the latest statement(s) of account from the Other Licensed Institution
and other documents that we may require.

17.6 If approved by us, we will transfer your Outstanding Balance within 14 days of our
receipt of the relevant documents. However, we may postpone or decline processing
the transfer on the following grounds:

(a) if the Outstanding Balance to be transferred exceeds your available Credit

Limit under your Card Account;

(b) if the Outstanding Balance does not meet the minimum prescribed BT and/or
BTI amount (currently at RM1,000);

(c) if you have committed or are suspected of committing any fraudulent or

wrongful acts in relation to the use of your Card and/or other facilities or
service granted by us;

(d) rejection by fund transfer payment system due to discrepancy in the

information received by us (such as the type of identification document
submitted during application and the type of identification documents
currently in our records differ); and/or

(e) in any event, at our discretion as we reasonably deem fit having regard to the
circumstances of your application.

17.7 We will notify you if the application is successful within 14 days of receipt of the
application and all relevant documents. If you do not receive such notification, your
application has not been successful.

17.8 For the avoidance of any doubt, we will not be responsible for any penalty, fees,
interest or any other charges incurred by you to the Other Licensed institution save
where any penalty, fees, interest or any other charges are caused by any breach or
negligence by us in paying the Outstanding Balance. We will not be responsible for
releasing you from your responsibilities towards the Other Licensed Institution (if any).

17.9 The Amount Transferred will be considered to be utilization of your existing available
Credit Limit. For the avoidance of doubt, your Credit Limit will be made available to you
again upon repayment of the Amount Transferred.

17.10 For the avoidance of any doubt, the Amount will not earn Rewards Points and/or cash
rebates even if your Card would normally earn Rewards Points or your Card is a cash-
back credit card.

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18. Fixed Payment Options and Other Special
Promotions or Citi Credit Card Products
What Fixed Payment Options are available?
18.1 From time to time we may contact you in relation to Special Promotions, including in
relation to Fixed Payment Options. A Fixed Payment Option is a feature of your Card
product.

18.2 There are four different types of Fixed Payment Options which you may be eligible to
apply for from time to time and which we may agree to provide to you. They are:

(a) Citi Quick Cash: This option allows you to draw down an amount from your
Credit Card in the form of a cash advance. That cash amount can be provided
to you in the form of a cheque or by electronic funds transfer to your
nominated bank account (including Other Bank Accounts) subject to a cash
advance fee. You then repay that amount and interest relating to it over a
number of fixed monthly instalments;

(b) Citi FlexiBill (previously known as “Balance Conversion”): This option allows
you to convert part of or all of your outstanding Current Balance which has
not passed its Payment Due Date to a fixed monthly instalment plan with
applicable interest and other fees. This means that you repay the amount of
outstanding Current Balance that you choose to convert and interest relating
to it over a number of fixed monthly instalments;

(c) Citi PayLite (previously known as “FlexiPayment Plan”): This option allows
you to convert eligible transactions, or a group of transactions, to a fixed
monthly instalment plan. This means that you repay the amount of that
transaction or group of transactions and interest relating to it over a number
of fixed monthly instalments;

(d) Citi PayLite for Banking Transactions: This option allows you to convert
eligible banking transactions from your CASA (excluding joint account), to a
fixed monthly instalment plan on your Card. The converted amount will be
deemed as a form of Cash Advance drawn from your Card (subject to
available Customer Credit Limit) and will be deposited via electronic funds
transfer to your CASA from which the transaction originated. You will then
repay the amount of that transaction or group of transactions and interest
relating to it over a number of fixed monthly instalments; and

(e) Balance Transfer Instalment (“BTI”): This option allows you to transfer part
of or all of your outstanding balance (including fees, accrued interest, finance
charges and other charges) as shown in the latest account statement(s) from
any principal card account of any credit card held in your name issued by
Other Licensed Institution (as defined above) to any Citibank Card Account

62
 held by you and convert it to a fixed monthly instalment plan with applicable
interest and other fees.

18.3 When you enter a Fixed Payment Option, you will agree to:

(a) the Fixed Payment Option Tenure;

(b) the Fixed Payment Option Amount;

(c) the Fixed Payment Option Interest Rate;

(d) the number and amount of monthly instalments that you must pay under the
Fixed Payment Option (the "Fixed Payment Option Monthly Instalment");
and

(e) the amount of the monthly repayment.

These will also be sent out in the credit card statements we send you after you enter
into the Fixed Payment Option.

18.4 The Fixed Payment Option Amount will be considered to be utilization of your existing
available Credit Limit. For the avoidance of doubt, your Credit Limit will be made
available to you again upon repayment of the Fixed Payment Option Amount.

Eligibility for Fixed Payment Options

18.5 You may be eligible for the Fixed Payment Options if you have complied with the other
terms and conditions of this agreement and you are of good credit standing.

18.6 For the avoidance of doubt:

(a) you may be considered of good credit standing if you have not:
(i) defaulted in any payment by the Payment Due Date;
(ii) exceeded your Credit Limit and Customer Credit Limit; and/or
(iii) you have not defaulted in any other facilities granted by us,

(b) our approval of your application may be subject to, among others:
(i) the status of your account;
(ii) the status of the transaction at the point of conversion; and
(iii) our discretion as we reasonably deem fit in any case.

18.7 There may be certain additional minimum acceptance criteria that you must meet for
Fixed Payment Option when you apply.

18.8 You can apply for more than one Fixed Payment Option as long as you qualify for the
Fixed Payment Option in accordance with these terms and conditions.

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 Information in respect of each Fixed Payment Option
18.9 Under Citi Quick Cash:

(a) you may apply for a Citi Quick Cash at any time by:
(i) contacting CitiPhone Banking at any time and making a verbal
application to the CitiPhone Banking Officer; or
(ii) making a verbal application to Citibank's telemarketing team; or
(iii) applying on Citi Mobile® App or Citibank Online; or
(iv) any other form we prescribe to make such an application,

(b) if you are eligible, you may draw down an amount from your Credit Card in
the form of cash. Under Citi Quick Cash, which is a form of Cash Advance, the
cash amount can be provided to you in the form of a cheque or by electronic
funds transfer to your nominated bank account. You then repay that amount
and interest relating to it over a number of fixed Monthly Instalments;

(c) the minimum amount eligible for each application is RM1,000. This limit may
be varied by us at any time by giving you adequate prior written notice;

(d) the choice of the Citi Quick Cash Tenure is as follows (subject to change by us
by giving you adequate prior written notice):

Citi Quick Cash Amount Choice of Citi Quick Cash Tenure

RM1000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

(e) you must specify in your application, the amount ("Citi Quick Cash Amount”)
you wish to draw within the eligible Credit Limit;

(f) upon approval of your application, the Citi Quick Cash Amount will be
deposited into your bank accounts maintained with any bank (which may
include a joint account you maintain with any other person), as specified in
your application;

(g) you must bear all charges (if any) imposed by the receiving bank in respect
of the deposit of the Citi Quick Cash Amount into your bank account. These
charges may include commission charges imposed by the receiving bank for
clearing the banker's cheque(s) issued by us. We will not be responsible for
any error, delay, neglect or omission made by the receiving bank in
processing the cheque(s) of the crediting of the Citi Quick Cash amount into
your bank account with that bank;

(h) unless we state otherwise, a Cash Advance fee is payable for the booking of
Citi Quick Cash. This non-refundable fee for the Citi Quick Cash Amount (or
such other amount we determine for each Citi Quick Cash application) will be
debited from your Card Account. For applicable Citi Quick Cash (cash
advance) fee, please refer to the Credit Cards Fees and Charges table at
www.citibank.com.my;

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18.10 Under Citi FlexiBill:

(a) you must specify in your application to us, the Outstanding Current Balance
or a portion of the outstanding Current Balance, which you wish to convert
under Citi FlexiBill ("Citi FlexiBill Amount"), provided the Payment Due Date
for that outstanding Current Balance has not passed;

(b) Citi FlexiBill does not apply to cash and cash based transactions, instalment
amounts payable under other Citibank programmes such as Citibank Easy Pay
Plan (EPP), Citi Quick Cash, Citi PayLite, other ongoing Citi FlexiBill instalment,
annual fees, carry forward balances and other charges charged by us under
this agreement;

(c) the minimum Citi FlexiBill Amount is RM1,000 and must not exceed the
available Credit Limit of the Card. We may vary this limit at any time by giving
you adequate prior notice;

(d) The choice of the Citi FlexiBill Tenure is as follows (subject to change by us by
giving you adequate prior notice):

Citi FlexiBill Amount Choice of Citi FlexiBill Tenure

RM1,000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

18.11 Under Citi PayLite (previously known as Flexi Payment Plan, which allows you to
convert your unbilled retail transactions into Monthly Instalments):

(a) you must specify in your application to us the individual purchase transaction
("Single Purchase") and/or multiple purchase transactions ("Multiple
Purchases") (collectively the "Purchases" and reference to a Purchase is
either of them), which you wish to convert under the Citi PayLite ("Citi
PayLite Amount");

(b) the Fixed Payment Option Tenure applicable for Citi PayLite must be stated
in your application. The choice of the Citi PayLite Tenure is as follows (subject
to eligibility):

Citi PayLite Amount Choice of Citi PayLite Tenure

RM500 (or RM50) and above 6, 12, 18, 24, 30, 36, 48 or 60 months

(c) only Purchases that fulfill these terms and conditions can be converted under
Citi PayLite;

(d) Citi PayLite does not apply to cash and cash based transactions, instalment
amounts payable under other Citibank programmes such as Citibank EasyPay
Plan (EPP), Citi Quick Cash, Citi FlexiBill, other ongoing Citi PayLite
instalments, annual fees, carry forward balances and other charges under
this agreement;

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 (e) the minimum amount eligible for conversion under the Citi PayLite is RM500
for a Single Purchase and an aggregated minimum amount of RM500 in total
for Multiple Purchases. Entry amount is lowered to RM50 when this is done
via Citibank Online or Citi Mobile® App. This limit may be varied by Citibank
at any time and from time to time by giving adequate prior notice to you; and

(f) a Purchase can only be converted under the Citi PayLite if the Purchase has
been debited to the Card Account but has not been recorded in the current
statement of account forming part of the outstanding Current Balance due
at the point of the conversion into the Citi PayLite Amount.

18.12 Under Citi PayLite for Banking Transaction:

(a) you must specify in your application to us the individual transaction (“Single
Transaction”) and/or multiple transactions (“Multiple Transactions”),
(collectively the “Transactions”) which you wish to convert under the Citi
PayLite for Banking Transaction ("Citi PayLite for Banking Transaction
Amount");

(b) the Fixed Payment Option Tenure applicable for Citi PayLite for Banking
Transaction must be stated in your application. The choice of Citi PayLite for
Banking Transaction Tenure is as follows (subject to eligibility):

Citi PayLite for Banking Choice of Citi PayLite for Banking

Transaction Amount Transaction Tenure
RM1000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

(c) only Transactions that fulfill these terms and conditions can be converted
under Citi PayLite for Banking Transaction;

(d) Citi PayLite for Banking Transaction does not apply to purchases of insurance
and investment products, cryptocurrency purchases, gambling, payments of
deposits for purchase of vehicle(s) and property(ies), fund transfer to any of
your own banking accounts, loans and credit card payments, foreign currency
transactions, payments for government services, fines and tax(es). For the
full list of transactions excluded, please refer to
https://www.citibank.com.my/global_docs/pdf/PayliteforBankingTransacti
onExclusion.pdf);

(e) the minimum amount eligible for conversion under the Citi PayLite for
Banking Transaction is RM1000 for a single transaction. This limit may be
varied by Citibank at any time and from time to time by giving adequate prior
notice to you;

(f) a Transaction can only be converted under Citi PayLite for Banking
Transaction if the Purchase has been debited to your CASA (excluding joint

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 account) at the point of the conversion into the Citi PayLite for Banking
Transaction Amount; and

(g) Citi reserves the right to terminate non-eligible transactions stated in 18.12
(d) before tenure expiry with adequate prior notice. In such circumstance, no
early termination fee will be charged, and the converted amount will form
part of your Card outstanding balance.

18.13 Under BTI (Balance Transfer via Instalment Plan):

(a) we may also offer you the use of the Balance Transfer Program via Instalment
Plan (“BTI”) offered by us. Similar to BT, BTI allows you to transfer the whole
or part of your outstanding balance from any principal credit card account
from any Other Licensed Institution to any Citibank Card Account held by you.
BTI however allows you to convert the Amount Transferred to a monthly
instalment plan together with the applicable interest and fees. For applicable
fees and charges, please see www.citibank.com.my;

(b) the minimum amount eligible for each application is RM1,000. This limit may
be varied by us at any time by giving you adequate prior written notice;

(c) you must select the tenure (“BTI Tenure”) for the repayment of the Amount
Transferred together with the BTI Interest in accordance with these terms
and conditions. The choice of the BTI Tenure is as follows subject to any
changes (or any other period) that we may make by giving adequate prior
notice to you:

BTI Amount Choice of BTI Tenure

RM1,000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

Fixed Payment Option Interest and Monthly Instalments

18.14 Fixed Payment Option Interest is payable on any Fixed Payment Option Amount for the
duration of the Fixed Payment Option Tenure. Fixed Payment Option Interest will be
computed based on the agreed effective interest rate on a reducing balance repayment
method basis.

(a) For the avoidance of doubt, for Fixed Payment Option, the first month’s
interest will be calculated based on the effective interest rate and pro-rated
on a 365 days and on a 366 days basis in a leap year from one day after the
approval date until the next immediate statement cycle date and will be
reflected (together with any fees or charges) in the next immediate monthly
statement.

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 (b) The subsequent monthly instalment shall be a fixed amount and consists of
both principal and interest where the interest component of each monthly
instalment is computed by: Effective interest rate x outstanding principal
amount ÷ 12 months, save for the final month’s interest component, which
is computed by: equal monthly instalment amount – outstanding principal.

(c) the first and subsequent monthly instalments form part of the Minimum
Monthly Payment which must be settled by you on or before Payment Due
Date. Please refer to the section below on “Specific Terms applicable for
Fixed Payment Options” for further information;

18.15 Save for the first month’s interest, during the Fixed Payment Option Tenure, the Fixed
Payment Option Amount and Fixed Payment Option Interest will be billed to your Card
Account by way of equal monthly instalments – i.e. the Fixed Payment Option Monthly
Instalments and will appear in your monthly statement of account. The Fixed Payment
Option Tenure and/or the Fixed Payment Option Monthly Instalment cannot be varied
without our consent.

Additional terms that apply to Fixed Payment Options

18.16 If you and the Bank agree to enter into any of the Fixed Payment Option, the following
additional terms and conditions will apply to that Fixed Payment Option:

(a) fees (such as non-refundable cash advance fee, early termination fee) may
apply. You will be given details about additional fees that apply before you
enter into a Fixed Payment Option;

(b) while the Fixed Payment Option continues, the Interest Rate that applies to
the Fixed Payment Option Balance will be the Fixed Payment Option Interest
Rate. Depending on what type of Fixed Payment Option you have, the
Interest Rate that applies to the Fixed Payment Option Balance may or may
not, be different to the Interest Rate(s) that would have otherwise applied to
that amount. Fixed Payment Option Interest Rate is locked-in at the point of
approval, i.e. any changes to the Fixed Payment Option Interest Rate after
the approval of your Fixed Payment Option application is not applicable to
the approved Fixed Payment Option;

(c) The Fixed Payment Option will not earn any Rewards Points, rebates and/or
cash back accumulation.

How will payments be applied where you have a Fixed Payment

Option?
18.17 By requesting a Fixed Payment Option, payments will still be made in the order stated
under Section 16.2 “How are the payments applied?”.

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 What happens if a Fixed Payment Option is cancelled?
18.18 Subject to our approval, you can ask us to cancel your Fixed Payment Option at any
time or opt for early settlement of the Fixed Payment Option Amount by contacting
CitiPhone Banking or such other method as we may reasonably determine from time
to time (for instance, in the case of BTI, paying the total of the outstanding BTI Monthly
Instalments and total of any unbilled principal of the Amount Transferred).

18.19 Upon such cancellation or early termination of the Fixed Payment Option, unless we
inform you otherwise, you must pay us the total outstanding principal under the Fixed
Payment Option together with up to 5% of the said total for such early termination or
cancellation.

18.20 Without prejudice to the above, if you are in breach of any provisions of this agreement
or in the event of termination of the Card Account (whether voluntarily or
involuntarily), all monies due under the Fixed Payment Option and any Finance Charge
will immediately become due and payable by you. If we reasonably deem fit, we may
charge such amounts due to us to your Card Account.

Specific Terms applicable for Fixed Payment Options

18.21 The Fixed Payment Options form part of your Minimum Monthly Payment and must be
paid in full on or before the Payment Due Date. As such, the provisions in relation
to payment of your Monthly Statement apply.
18.22 We will charge the Fixed Payment Options Interest and /or fees as disclosed at the date
of availing the Fixed Payment Options which shall be applicable during its entire Fixed
Payment Option Tenure and no additional fees and interest will be charged for this
Fixed Payment Options, ONLY if you pay in full the Current Balance by the Payment Due
Date every month until you have paid the Fixed Payment Option Amount in full.
However, if you pay (or had paid) an amount that is:

(a) equal to or greater than the Minimum Monthly Payment but less than the
Current Balance indicated in your current (or previous) Monthly Statement,
the billed Fixed Payment Option Monthly Instalment in your current Monthly
Statement will be subject to Finance Charges. Finance Charges will be
charged to you at the rate specified in this agreement (under Section 5.11)
and will be calculated from one day after the date the sums owed are posted
on your Monthly Statement to one day before payment date. Interest will be
compounded on a monthly basis.

(b) less than the Minimum Monthly Payment as reflected in your current (or
previous) monthly Statement of Account, the billed Fixed Payment Option
Monthly Instalment in your current Monthly Statement will be subject to
Finance Charges. Finance Charges will be charged to you at the rate specified
in this agreement (under Section 5.11) and will be calculated from one day
after the date the sums owed are posted on your Monthly Statement to one

69
day before payment date. Additionally, any unpaid portion of the Fixed
Payment Option Monthly Instalment will also be subject to Finance Charges
calculated from the payment date to the next statement date. Usual Late
Payment Charges will also apply and your credit records will reflect payment
delinquency.

Illustration: Customer statement cycle falls on 1st of each month.

Assuming your Fixed Payment Option Monthly Instalment (includes both Fixed Payment Option
Amount and Fixed Payment Option Interest) is RM 1000

Total Current Balance is RM1000 (Monthly Instalment) + RM1000 (other spends) =RM 2000
Minimum Monthly Payment is RM 1000 (Monthly Instalment) + RM 50 = RM1050

Statement date: 1st March 2021

March Monthly Instalment RM 1000

Total Current Balance RM2000

(includes March Monthly Instalment)

Minimum Monthly Payment RM1050

Payment Due Date 25th March 2021

Note: for this illustration, we assume customer’s annual rate is 15%p.a..

Scenario 1: You made full payment to the total Current Balance before Payment Due Date

Statement date: 1st April 2021

Transaction date Transaction description Transaction amount

10th Mar 21 Payment RM2000

1st Apr 21 Fixed Payment Option Monthly Instalment (April) RM1000

1st Apr 21 Finance charges on Monthly Instalment RM 0

Scenario 2: You made payment equal to or greater than the Minimum Monthly Payment due but
less than the Current Balance

For scenario 2, Finance Charges will be charged to you at 15% p.a. (In this example, we assume finance
charges to be 15% p.a.) and will be calculated from one day after the date the April Monthly Instalment
is posted on your Monthly Statement (2nd April) to one day before payment date (9th April).

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 Statement date: 1st April 2021

Transaction date Transaction description Transaction amount

10th Mar 21 Payment RM1050

1st Apr 21 Fixed Payment Option Monthly Instalment (April) RM1000

1st Apr 21 Finance charges on April Monthly Instalment RM 0*

*No finance charges since finance charges for monthly instalments commence from one day after
posting date

Statement date: 1st May 2021

Transaction date Transaction description Transaction amount

10th Apr 21 Payment RM1050

1st May 21 Finance charges on April Monthly Instalment RM 3.70*

* RM1000 [April Monthly Instalment] × 15% × 8 days [from 2nd April – 9th April]/365 days

Scenario 3: You made payment less than the Minimum Monthly Payment Due

For scenario 3, Finance Charges will be charged to you at 15%p.a. (In this example, we assume finance
charges to be 15% p.a.) and will be calculated from one day after the date the March Monthly
Instalment is posted on your Monthly Statement (2nd Mar) to one day before payment date (9th March).

Additionally, any unpaid portion of the March Monthly Instalment will also be subject to Finance
Charges calculated from the payment date (10th March) to the next statement date (1st April).

Statement date: 1st April 2021

Transaction date Transaction description Transaction amount

10th Mar 21 Payment RM500

1st Apr 21 Finance charges on March Monthly Instalment RM 8.01*

* RM1000 [March Monthly Instalment] × 15% × 8 days [2nd March -9th March] +
(RM1000-RM500 [Payment]) × 15% × 23 days [from 10th March - 1st April]/365 days

(c) if you make part payments of the Current Balance, the part payment will be
allocated to pay off the balances attracting the highest interest rate to the
lowest in the following order: taxes, followed by the Cash Advance, Fixed
Payment Option Monthly Instalments, revolving balance(s) attracting the
highest interest rate to the lowest interest rate (and in the case of same
interest rate, the order will start from the earliest to the latest transaction
date). Payment received will be applied towards settlement of outstanding
finance charges (or interest) followed by outstanding principal balance and
fees and charges.

(d) if you fail to pay the Minimum Monthly Payment in full by the Payment Due
Date, you will be in default (“Instalment Default Payment”).

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18.23 In the event of 3 or more consecutive Instalment Default Payments, you must
immediately pay to us all monies due and owing under the Fixed Payment Options
(including any Finance Charges, the total unbilled principal and all other monies due
under the Services).

18.24 To the fullest extent permitted by law, we are entitled at any time to reasonably vary
the rates, manner and time of payment and/or modes of computation stated here in
any manner by giving you adequate prior written notice (for example, to vary the fees
or charges rates within such range or rates approved by Bank Negara Malaysia). The
manner of notice, time of effect and the effect of such variation would be in accordance
with the terms of this agreement.

18.25 The Fixed Payment Option are valid only up till Fixed Payment Option Tenure or any
other extended date(s) as we may reasonably specify from time to time for Fixed
Payment Option. To avoid doubt:

(a) we are not obliged to extend the Fixed Payment Option Tenure; and

(b) we reserve the right to replace wholly or in part any Fixed Payment Options
by another scheme, whether similar or not (subject to your acceptance of the
same), or to withdraw it altogether (by notifying you of the same).

18.26 To the fullest extent permitted by law, we will not be responsible for and we disclaim
all liability to any actions, claims, damages, costs, charges and expenses which you may
suffer, sustain or incur by reason of your enrolment in the Fixed Payment Options save
where the same is caused by any breach or negligence by us.

Special Promotions
Fixed Payment Option with Fixed Payment Option Interest Rate at 0%p.a..

18.27 From time to time, we may have a Special Promotion where you will be offered Fixed
Payment Option with Fixed Payment Option Interest Rate at 0%p.a..

18.28 Kindly note that all terms and conditions applicable to Fixed Payment Option is still
applicable for Fixed Payment Option with Fixed Payment Option Interest Rate at 0%
p.a. including:

(a) fees (such as non-refundable cash advance fee, early termination fee) may
apply. You will be given details about additional fees that apply before you
enter into a Fixed Payment Option;

(b) The Fixed Payment Option will not earn any Rewards Points, rebates and/or
cash back accumulation;

(c) For Fixed Payment Option with 0% Fixed Payment Option Interest, your
repayment will commence on the subsequent monthly statement after the
next immediate monthly statement.

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 Illustration: Your statement cycle falls on 1st of each month.

Assuming you agreed to enter into any Fixed Payment Option under the
Special Promotion on 15th March 2021.

The first Fixed Payment Option Monthly Instalment will be billed to your
monthly statement on 1st May 2021.

(d) Subject to our approval, you can ask us to cancel your Fixed Payment Option
at any time or opt for early settlement of the Fixed Payment Option Amount
by contacting CitiPhone Banking or such other method as we may reasonably
determine from time to time.

(e) Upon such cancellation or early termination of the Fixed Payment Option,
unless we inform you otherwise, you must pay us the total outstanding
principal under the Fixed Payment Option together with up to 5% of the said
total for such early termination or cancellation.

18.29 The Fixed Payment Options under the Special Promotion form part of your Minimum
Monthly Payment and must be paid in full on or before the Payment Due Date. As such,
the provisions in relation to payment of your Monthly Statement apply.
18.30 We will charge the Fixed Payment Options Interest and /or fees as disclosed at the date
of availing the Fixed Payment Options which shall be applicable during its entire Fixed
Payment Option Tenure and no additional fees and interest will be charged for this
Fixed Payment Options, ONLY if you pay in full the Current Balance by the Payment Due
Date every month until you have paid the Fixed Payment Option Amount in full.
However, if you pay (or had paid) an amount that is:

(a) equal to or greater than the Minimum Monthly Payment but less than the
Current Balance indicated in your current (or previous) Monthly Statement,
the billed Fixed Payment Option Monthly Instalment in your current Monthly
Statement will be subject to Finance Charges. Finance Charges will be
charged to you at the rate specified in this agreement (under Section 5.11)
and will be calculated from the date the sums owed are posted on your
Monthly Statement to one day before payment date. Interest will be
compounded on a monthly basis.

(b) less than the Minimum Monthly Payment as reflected in your current (or
previous) monthly Statement of Account, the billed Fixed Payment Option
Monthly Instalment in your current Monthly Statement will be subject to
Finance Charges. Finance Charges will be charged to you at the rate specified
in this agreement (under Section 5.11) and will be calculated from the date
the sums owed are posted on your Monthly Statement to one day before
payment date. Additionally, any unpaid portion of the Fixed Payment Option
Monthly Instalment will also be subject to Finance Charges calculated from
the payment date to the next statement date. Usual Late Payment Charges
will also apply and your credit records will reflect payment delinquency.

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 (c) if you make part payments of the Current Balance, the part payment will be
allocated to pay off the balances attracting the highest interest rate to the
lowest in the following order: taxes, followed by the Cash Advance, Fixed
Payment Option Monthly Instalments, revolving balance(s) attracting the
highest interest rate to the lowest interest rate (and in the case of same
interest rate, the order will start from the earliest to the latest transaction
date). Payment received will be applied towards settlement of outstanding
finance charges (or interest) followed by outstanding principal balance and
fees and charges.

(d) if you fail to pay the Minimum Monthly Payment in full by the Payment Due
Date, you will be in default (“Instalment Default Payment”).

18.31 In the event of 3 or more consecutive Instalment Default Payments, you must
immediately pay to us all monies due and owing under the Fixed Payment Options
(including any Finance Charges, the total unbilled principal and all other monies due
under the Services).

Fixed Payment Option under Other Special Promotions

18.32 In addition to the Fixed Payment Option with Fixed Payment Option Interest Rate at
0% p.a. above, we may agree with you that another kind of Special Promotion applies
in relation to an eligible transaction or to all or part of the Current Balance. If we do,
you will be given the following (to the extent relevant):

(a) the terms of the offer;

(b) the Interest Rate/Finance Charge that will apply in relation to that
transaction or part or all of the balance (including to all related fees and
interest). Different Interest Rates/ Finance Charges may apply for different
periods;

(c) the number and amount of any applicable payments that need to be made
during the term and when they need to be paid. You must pay these
repayments by the Payment Due Date; and

(d) any fee which applies in relation to the offer being made.

18.33 Such Special Promotions may include additional products or programmes related to
the use of your Card, including offers of promotional rates, reduced rates or interest,
interest-free days, instalment or repayment plans or other special terms.

18.34 We may enter into arrangements with third parties (including service providers and
merchants) to offer such additional products or programmes on your Card. Applicable
terms and conditions of such additional products or and programmes are binding on
you as if they had been contained in this agreement and you should read and
understand all such terms and conditions before agreeing to the Special Promotions.

74
18.35 To the fullest extent permitted by law, if there is any conflict between this agreement
and the terms and conditions of such additional products or programmes, the terms
and conditions of the additional products or programmes will prevail (unless expressly
stated otherwise in the terms and conditions governing such additional products or
programmes).

18.36 More than one additional product or programme may apply to your Card Account at
the same time. We may choose to introduce and terminate any such additional
products or programmes at our reasonable discretion by giving adequate prior notice
to you.

19. Additional information about the types of

payments you can make from your Card
Account
19.1 There are a number of different ways in which you can make payments from your Card
Account. Examples include payments that you make directly with a Card (such as when
you purchase goods or services from a merchant), which includes Card-on-File
Transaction, Recurring Card Instructions, transactions via JomPAY and DuitNow QR and
interbank fund transfers (GIRO service).

Transactions with Merchants

19.2 You expressly agree that we may disclose to any merchant to whom your Card is
presented, or any member institution of card associations or their successors-in-title
and assigns or any interested persons, your Card account number, Card expiry date (of
any new, renewed or replaced Card), Card status and any other information, including
your last known address, which may be necessary for the use of your Card or the
processing of any transaction effected through the use of your Card.

19.3 Without affecting the above, we are not responsible for:

(a) any refusal by a merchant or member institution of any card associations to

accept your Card; or

(b) any defect or deficiency in the goods or services supplied to you by any
merchant.

19.4 We are not responsible for goods and services purchased with your Card, whether at
the merchant’s premises or through any written instructions sent by mail, email or
facsimile, telephone order, online internet or any other means by which you have
authorised the use of your Card for the purchase of goods and services.

19.5 You agree to settle all disputes directly with the merchant who honoured your Card or
the relevant member institution of any card associations.

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19.6 When using any Card, you are responsible to check that the goods or services you
intend to purchase, its description and the transaction amount(s) is/are correct before
you proceed to input your PIN at a merchant terminal or sign the sales slip or
transaction records given to you by merchants or a financial institution or otherwise
complete any transaction (including through any computer or mobile device) when you
use your Card and before you enter your Security Code (including your PIN or other
identifying number (for example, the 3-digit CVV, CVC or CSC number(s) found near the
signature strip at the back of your Card)) or password through any electronic banking
facility or internet (including through any computer or mobile device). By signing a
voucher, slip or transaction report or by entering your Security Code or other
identifying number or password at an electronic banking facility or internet (including
through any computer or mobile device), you are deemed to have accepted that the
purchase and transaction amount is correct.

Citibank GIRO Service

19.7 The terms and conditions in this section govern the use of the Citibank GIRO service (as
defined below) which are to be read together with these Citi Credit Cards Terms and
Conditions, as well as any other rules and regulations binding on us, including the rules,
regulations, manuals and/or guidelines of any funds transfer system to which we
belong. Please visit our website www.citibank.com.my for more information.

19.8 The following terms and expressions will have the following meanings unless the
context requires otherwise:

(a) “Account(s)” means any one or more accounts held by you with us (including
checking, savings, time deposit, investment, loan, or Other Bank Accounts,
and/or Card Account) to participate or transact through the Inter-bank GIRO
System in accordance with the applicable terms and conditions governing
them, and as determined by us from time to time with adequate prior written
notice to you; which expression will include all joint holders of them
Account(s);

(b) “Funds Account” means an account held by you or any third parties
maintained with any Participant;

(c) “Funds Transfer Instruction” means the instruction given by you via any
Mode to debit funds from either your checking, saving accounts or Card
Account maintained with us and to credit into a Funds Account through the
Inter-bank GIRO System;

(d) “GIRO” means the Citibank Inter-bank GIRO service effected through the
Inter-bank GIRO System;

(e) “Inter-bank GIRO System” means a funds transfer payment system operated
by Payment Network Malaysia Sdn. Bhd. (including its successors in title and
assigns) to allow you to request your bank to make inter-bank payments or

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 collect payments to either your own account or any third party account(s)
maintained with a Participant;

(f) “Mode” means any mode including over-the counter, Citibank Online,
CitiPhone Banking or such other mode as may be prescribed and made
available by us from time to time;

(g) “Participant” means any bank or financial institution (other than Citibank)
licensed under the Financial Services Act, 2013 (as may be amended or
superseded from time to time) carrying on banking business or banking and
finance company business in Malaysia which is a participant to the Inter-bank
GIRO System; and

(h) “Statement of Account” means the consolidated statement of account, or

statement of account, issued by us every month to you setting out
transactions of your Account(s).

19.9 You will be able to access the GIRO service via any Mode and in accordance with the
procedures and terms and conditions as may be reasonably prescribed by us.

19.10 The minimum and maximum amount of funds that may be transferred through GIRO
will be as prescribed by us and may vary from one Mode of GIRO to another Mode of
GIRO through your facilities.

19.11 To use GIRO, you must complete and submit to us the Funds Transfer Instruction in
such form as we may prescribe and will include all such information as reasonably
required by us. Upon submission of the Funds Transfer Instruction, such Funds Transfer
Instruction will be deemed fixed, finalized, effective and binding on you save for fraud
or manifest error.

19.12 The duly completed Funds Transfer Instruction received by us will be processed at such
designated times on the Business Day on which the instruction was issued, or by the
next Business Day, or such other day as at our reasonable discretion with prior notice
to you.

19.13 You are responsible to pay all service charges, transaction fees and/or any other
amounts imposed by us in respect of the GIRO service. We are entitled to vary such
service charges, transaction fees and/or impose additional fees or charges from time
to time as we reasonably think fit by giving you adequate prior written notice.

19.14 The processing of the Funds Transfer Instruction by us is also subject to the terms and
conditions and/or approval of the Participant with which the Funds Account is
maintained.

19.15 You are responsible to nominate and ensure that the Funds Account is a designated
account capable for the receiving, payment and/or collection of funds via GIRO. It will
be your responsibility and not ours to ensure the accuracy of the particulars of the
Account(s) given to any Participant either by you or a third party so as to enable a

77
 successful transfer of funds from the relevant Funds Account into the relevant
Account(s).

19.16 You are responsible to ensure that your Account(s) have the available funds (and where
the context indicates, available Credit Limit or Customer Credit Limit) for transfer at
the time of processing of the Funds Transfer Instruction. We are not obliged to carry
out any payment instructions unless the Account(s) have sufficient funds (and/or
where the context indicates, available Credit Limit or Customer Credit Limit).

19.17 We are not obliged to inform you of any rejection of any Funds Transfer Instruction.
The onus lies with you to ensure that all details and particulars of the Funds Account
are accurate and complete.

19.18 We are not obliged to inform you of any receipt of funds through GIRO in your
Account(s) upon receipt of the funds or the outcome of any remittance of funds from
the Account(s) to the Funds Account. Such information may be obtained by you
through CitiPhone Banking or Citibank Online or your statement of account.

19.19 By providing the GIRO service:

(a) to the fullest extent permitted by law, we will not be responsible or liable for
any loss, claim, cost, action or damage incurred or suffered by you and/or
any third party as a consequence of the use of the GIRO service save where
such loss, claim, cost, action or damage is caused by any breach or negligence
by us; and

(b) to the fullest extent permitted by law, you will indemnify us against, any loss,
damage or embarrassment caused by you and/or anything ordinarily within
your reasonable contemplation or control which may include the following
situations:

(i) where the other Participant to which the Funds Transfer

Instruction has been made to, has delayed, rejected, refused or is
otherwise unable to accept such Funds Transfer Instruction;

(ii) where you failed to maintain sufficient funds in the Account(s) to

give effect to the Funds Transfer Instruction;

(iii) where you failed to provide us with the timely, complete and
correct information for the Funds Transfer Instruction including the
particulars of the Funds Account(s);

(iv) where an order of court, governmental directive or regulation or

legal requirement directs us to prohibit withdrawals from the
relevant Account(s);

(v) the occurrence of any other circumstances such as force majeure

or improper handling of payments by a third party preventing the
processing of the Funds Transfer Instruction ;

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 (vi) where there is any destruction or alteration of the Funds Transfer
Instruction by you through no fault of ours; or

(vii) where there is any failure to credit the Account(s) with funds
arising from instructions received from a Participant through the
Inter-bank GIRO System.

19.20 We reserve all rights to amend these terms and conditions, and to cancel, terminate or
suspend the GIRO service from time to time as we reasonably deem fit by giving
adequate prior written notice to you, where possible. See Section 25 "Additional terms
about changes we can make to your agreement" below for further information on
amendments to these terms and conditions may be effected.

19.21 Our decision on all matters relating to the GIRO service will be final and binding on you
save for fraud or manifest error.

Recurring Card Instructions

19.22 For the purpose of this Section 19 on “Recurring Card Instructions”:

(a) “Service” means the auto-billing service which you may have registered with
us or any Merchant in relation to payments due to the Merchant under
which, you

(i) authorise Merchant to charge the card at a later date as initiated

by you or initiated by Merchant; and/or

(ii) authorise us to auto-debit your Card of such amount(s) for

purposes of making recurring charges to the Merchant on a
monthly basis or at other intervals.

(b) “Merchant” or “Merchants” mean the merchants included for the Service
from time to time.

19.23 When you give a Merchant a Recurring Card Instruction to debit amount from your
Card, you authorise us to pay any such amounts and charge them to your account.

19.24 We use reasonable endeavours to debit your account on the days nominated by you
for periodic payments but may not always do so for instance if the day on which your
account is debited is not a Business Day, or if we or another payment system participant
cannot process a payment on that day, the debit will usually be made on the next
Business Day.

19.25 Before each auto-debit, you must ensure that you have available credit under your
Card Account to enable that payment to be made within your Credit Limit.

19.26 If your Card Account does not have sufficient Credit Limit available to cover the amount
of the payment we can still, at our reasonable discretion and subject to the terms of
this agreement, honour the transaction. By honouring a transaction this may cause

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 your Credit Limit to be exceeded. However, this does not change your Credit Limit.
Please see Section 3 “Excess of Credit Limit – Overlimit” for further information on
exceeding the Credit Limit.

19.27 If you wish to cancel the Recurring Card Instructions registered with the Merchant, you
will need to contact the relevant Merchant to request for the cancellation. Until you
cancel your Recurring Card Instruction with the Merchant(s), we will be entitled to
make settlements or payment of the said charges/payment to such Merchant(s) on
good faith so long as we receive billings from such Merchant(s) and you will still be
responsible for paying such payments made by us to the Merchant(s). Please retain a
copy of your request to change or cancel the Service with a merchant or a service
provider. You can challenge a transaction if the Merchant(s) or a service provider has
not acted in accordance with your instructions.

19.28 If your Card number or card expiry date is changed as a result of your Card is cancelled
or your account is closed or your Card being replaced for reasons such as fraud, lost or
stolen card, unauthorized transactions, renewal of expiring card or upgrading of
existing card, you must update the Merchant with latest card information (i) prior to
the next scheduled payment or (ii) within the period of time reasonably specified by us
and notified to you in advance (whichever later). Unless you have cancelled or changed
the details as aforesaid or expressly informed us not to transfer your Recurring Card
Instruction, you authorise us to, if we reasonably choose:

(a) to provide your replacement Card details to the Merchant to update the
Recurring Card Instructions or tell the Merchant that your Card has been
cancelled or the account has been closed; and/or

(b) where the Card has been replaced, treat Recurring Card Instruction as
applying to your replacement Card and/or expiry date (as the case may be);
or

(c) to both paragraphs (a) and (b) above.

19.29 If we do that, your Card Account will continue to be debited in accordance with that
Recurring Card Instruction from your replacement Card except that your new
replacement Card number and expiry date will be used (instead of that of the previous
Card), to ensure the non-interruption of the Service and/or Card-on File Transaction
regardless whether you have activated the replacement Card or not.

19.30 If you have not updated the Recurring Card Instruction and have expressly informed us
not to transfer your Recurring Card Instruction, we will not make any payment of the
said recurring charges to all or any of the Merchants, in which event you will be
responsible for paying the unpaid said recurring charges directly to the Merchant by
other means.

19.31 You expressly authorise us to disclose the replacement Card details to the Merchants
to whom your Card is presented and/or any member institution of any card
associations or their successors-in-title and assigns or any interested persons, from

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 time to time for purposes in relation to providing the Service and expressly consent to
such disclosure and confirm and declare that no further consent from you is necessary
or required in relation to such purposes and we will be under no liability for disclosing
such information. This will constitute the consent required pursuant to any statutory
or contractual consent for such disclosures.

19.32 To the fullest extent permitted by law, you will indemnify and hold us harmless against
all losses, costs, damages, expenses, claims and demands (legal or otherwise including
costs on a solicitor-and-client and full indemnity basis) which we may incur or sustain
in relation to providing the Service to you and where such losses, costs, damages,
expenses, claims and demands have been caused by you and/or anything ordinarily
within your reasonable contemplation or control.

19.33 Regardless of the Service and our transferring your existing standing instructions to
ensure non-interruption of the Service to you, you remain fully responsible to comply
with all terms and conditions existing between the Merchant and you in the relevant
underlying contract(s) between yourselves and your obligations set out in such
contract(s) will continue to be binding between you and the Merchant.

19.34 We can refuse to act on any Recurring Card Instruction or any request to set up, change
or cancel a Recurring Card Instruction if there is a dispute between you and the
Merchant.

20. Additional information on transactions

through your Card
Cash Advance Facility
20.1 You may obtain Cash Advances of an amount that we may decide up to the maximum
daily withdrawal limit of RM5,000 or any such other limit as Citibank may reasonably
inform you from time to time by giving prior written notice (please visit
www.citibank.com.my to view the applicable daily cash advance limit), and up to the
Total Cash Limit (see Section 3.19 above on the Total Cash Limit applicable for Cash
Advance), by the following means:

(a) presenting your Card at any of our branches or of any member institution of
any card associations together with evidence of your identification, and
signing the necessary transaction record; or

(b) using your Card at any of our ATMs or the ATM of any other bank or financial
institution with whom we have an arrangement(s) for the use of the ATMs of
the said bank or financial institution (in which case the amount of each
advance will be further subject to the applicable daily withdrawal limit
imposed by such other bank or financial institution).

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20.2 Subject to Citibank’s discretion, the maximum daily withdrawal limit is up to RM5,000
or any such other limit as Citibank may reasonably inform you from time to time by
giving you prior written notice (please visit www.citibank.com.my to view the
applicable daily cash advance limit). For all inter-country transactions via ATM and/or
any member institution of card associations, the exchange rates (if applicable) are the
prevailing exchange rates determined by us, as we reasonably deem fit (which
determination will be in accordance with Section 12 above on “International and
foreign currency transactions”). All such transactions must not violate the laws existing
in the country where such transactions are effected.

20.3 Your use of your Card to obtain a Cash Advance is deemed to constitute your
agreement to pay interest (Finance Charges) on each Cash Advance and Cash Advance
fee as we may prescribe. Interest accrues on each Cash Advance from the date of the
advance until repayment in full at the current rate of 1.5% per month (or 18% per
annum) or such other rate as we may prescribe.

20.4 A fee is also imposed on the amount of each Cash Advance and charged to your Card
Account. For the applicable Cash Advance fee, please visit www.citibank.com.my
(which may be revised from time to time with adequate prior written notice to you).

20.5 Any payments or payment transactions, for example, Inter-bank GIRO System, made
by you shall only be considered paid when the Bank has received cleared funds.

20.6 For the avoidance of doubt, any withdrawal of excess credit in your Card Account
through the use of your Card will be treated as a Cash Advance. All terms and conditions
relating to Cash Advances will apply to such withdrawals of funds.

20.7 Your monthly statement will show the interest that has been accruing on Cash Advance
until the date of repayment in full and the Cash Advance fee.

Online or Internet Transactions

20.8 If you use your Card to purchase goods and/or services through online internet sites or
portals (including through any computer or mobile device), you are solely responsible
for the security of such use at all times. You agree that the entry of your Card
information on the internet is sufficient proof that instructions were given for the use
of your Card.

20.9 We are under no obligation to verify the identity or the authority of the person entering
your Card information beyond any verification we may conduct in accordance with
Section 27.24 below. We are not liable for acting on such use of your Card regardless
of whether the person who entered your Card information is authorised to do so, and
regardless of the circumstances prevailing at the time of the transaction.

20.10 However, we may, as we reasonably deem fit, choose not carry out any transactions
over the internet if we have any reason to doubt its authenticity or if in our reasonable
opinion it is unlawful or otherwise improper to do so or for any other reason.

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21. Citi Rewards Points and PremierMiles
21.1 For some Cards, we may offer you the benefits under Citi ThankYouSM Rewards
Programme (as defined in Citi ThankYouSM Rewards terms and conditions respectively
- as available on Citibank Online) and/or any other rewards programmes that your Card
Account may be eligible for. Please refer the terms and conditions on the Citi
ThankYouSM Rewards Programmes if your Card is eligible for this programme.

21.2 For the avoidance of doubt, ,JomPay transaction and DuitNow QR transactions is
excluded (along with other services/transaction which has been expressly excluded
such as) from the earnings of Citi Rewards Points, Premier Miles and/or Cash Back.

22. Additional terms about security and liability

for transactions
Liability for all other transactions and amounts
22.1 To the fullest extent permitted by law, you will be liable for all transactions including
all retail transaction, cash advances or withdrawal and any amounts charged to your
Card Account, as well as any loss suffered or incurred by you where:

(a) you have not provided us with complete and correct payment information,
including without limitation the name, address, account(s) number, and
payment amounts for the payee;

(b) you did not correctly use any Electronic Equipment or Citibank Online or
CitiPhone Banking;

(c) you do not have sufficient funds in your Card Account to make a funds
transfer or payment;

(d) you have made any funds transfer or payment which causes the Current
Balance to go over the Credit Limit;

(e) your transactions have been delayed, blocked, or refused where we have
reasonable grounds to believe that they breach Malaysian law or sanctions
(or the law or sanctions of any other country) or otherwise in accordance
with these terms;

(f) an order of court against you directs us to prohibit funds transfers or

payments from your Card Account;

(g) you have caused your Card Account to be closed or your Card is cancelled or
your Card Account (or any funds in it) has been blocked in accordance with
these terms and conditions;

83
 (h) other circumstances in which losses, expenses and/or damages have been
suffered as a result of anything caused by you and/or anything ordinarily
within your reasonable contemplation or control; or

(i) in the case of loss, theft or unauthorized used, the loss suffered or incurred
due to reasons under Section 22.5 below.

22.2 Save as provided in Section 22.5 below, you shall be and shall remain liable to us for all
transactions effected for all goods and services by any merchants and all Cash Advances
or withdrawals, effected through the use of your Card whether or not such usage is
authorised by you.

22.3 All charges arising from transactions carried out through your Card, whether
authorised or not, including all cash withdrawals and advances, are deemed to have
been made by you. You are liable for all such charges once your Card has been delivered
to you. For the purposes of this section, unless you have reported loss, theft,
unauthorised use of your Card and/or disclosure of your PIN immediately to us or as
soon as reasonably practicable to us upon discovering such loss, theft or unauthorised
use and/or disclosure of your Security Code (including your PIN), the Bank’s records of
any transaction effected through the use of your Card is conclusive and binding on you
save for fraud or manifest error (for example fraudulent or wrong entries).

22.4 In addition to the above, to the fullest extent permitted by law, you agree to hold us
harmless and fully indemnify us against any liability for loss, damage and expenses
(legal or otherwise including costs on a solicitor-and-client and full indemnity basis)
which we may incur by reason of these terms and conditions or in the enforcement of
our rights under these terms and conditions. Such indemnity will be limited to such
loss, damage and expenses caused by you and/or anything ordinarily within your
reasonable contemplation or control.

Liability for the loss, theft or unauthorised use of your Card

22.5 You will be liable to us in respect of the loss, theft or unauthorized use of your Card if:

(a) you have acted fraudulently (such as by being involved in the procurement
of goods or services supplied by any merchant, Cash Advances or ATM
transactions effected through the use of your Card and/or PIN by any
person);

(b) you have delayed or failed to inform us as soon as reasonably practicable

upon discovering that your Card has been lost, stolen, used for purposes
unauthorised by you and/or your PIN was disclosed;

(c) you have recorded your PIN on the Card, or on anything kept in close
proximity with the Card (which could be lost or stolen with the Card) or you
are using a PIN selected from your birth date, identity card, contact number
or passport;

84
 (d) you have left the Card or an item containing the Card unattended in places
visible and accessible to others (even at the your place of residence, you
are expected to exercise due care in safeguarding the Card); or

(e) you have voluntarily allowed another person to use the Card or disclosed
your PIN to another person.

23. Additional information about defaults and the

consequences
When will you be in default under this agreement?
23.1 We may suspend, withdraw or terminate the Card, Card Account and/or any of the
services offered in connection with the use of the Card with prior written notice, even
if we may have waived our right on some previous occasion upon the occurrences of
any or more of the following events (collectively, “Events of Default” and each an
“Event of Default”):

(a) if you don’t pay the Minimum Monthly Payment or any other amount due
from you to us at any time under the Card Account by the Payment Due Date;

(b) any payment to your Card Account is dishounored;

(c) you or a Supplementary Cardholder do not comply with any other terms of
this agreement;

(d) you or Supplementary Cardholder fail to comply with the terms and
conditions of any other agreement you have with us and we are of the
reasonable opinion that it will have an adverse effect on your ability to make
your payments under these terms and conditions;

(e) if you are liable to us on any Other Bank Accounts;

(f) if you use your Card for any unlawful activities such as online betting and/or
gambling activities;

(g) if you have given any data, information, statements representations and
warranties (implied or express) in connection with these terms and
conditions or any other agreement or arrangement(s) with us which is
incorrect, untrue or misleading in any material aspect when made or if we
reasonably believe that you have given such incorrect information at any
time;

(h) if you commit or threaten to commit a default or breach of any agreements,

covenants, stipulations, terms or conditions set out in these terms and
conditions on your part to be observed and performed;

85
(i) if you leave Malaysia to take up residence elsewhere;

(j) if you die or become insane, been taken into custody, mentally incapacitated
or declared by any Court of competent jurisdiction or any appropriate
authority to be incapable of administering your affairs;

(k) if you are unable to pay your debts as they fall due or become insolvent;

(l) if you have committed any act of bankruptcy or some other insolvency
proceeding is filed against you;

(m) if a petition for bankruptcy is presented or any bankruptcy order against you;

(n) if you make or attempt to make any compromise or arrangements with your
creditors or any general assignment for the benefit of your creditors;

(o) if any legal proceedings, suit or action of any kind is instituted by or against
you in any jurisdiction, or any order is made by any Court of competent
jurisdiction or other appropriate authority or any step is taken for your
bankruptcy, liquidation or for the appointment of a trustee in bankruptcy,
liquidator, receiver, judicial manager or trustee for any part of your assets,
revenues or undertaking (whether in whole or part) or a meeting, whether
formal or informal being called by your creditors or any of them;

(p) if a distress or execution or other process of a court of competent jurisdiction

is levied upon or issued against any of your assets and such distress,
execution or other process as the case may be is not satisfied by you within
21 days of such order;

(q) if you allow a judgment debt obtained against you to remain unsatisfied for
a period of 7 days from the date of the order (other than judgment debt on
which you have obtained a stay of execution and filed a Notice of Appeal
within the time prescribed by law);

(r) if your whereabouts are unknown to us;

(s) if in our reasonable opinion, your Card Account and/or Other Bank Accounts
is or has not been operated satisfactorily;

(t) if you wish to terminate the use of your Card;

(u) if it becomes illegal or impossible or Bank Negara Malaysia or other

governmental or judicial authority asserts that it has become illegal or
impossible for you to perform any obligations or for us to enforce any rights
under these terms and conditions, any security document or any other
agreement, document or instrument or arrangement between us and you;

86
 (v) if an event has occurred or a situation exists which might, in our reasonable
opinion, affect your ability to perform your obligations under these terms
and conditions;

(w) if we refuse to issue a replacement Card or renew your Card;

(x) if we decide to cancel or terminate the use of your Card;

(y) if you use your Card for business and/or commercial purposes which we
deem unacceptable to be transacted using your Card; and/or

(z) if the performance of any obligation under these Terms and Conditions
becomes illegal, impossible or could not be continued due to any
requirements on Citigroup Inc. and Citigroup Organisation including us, to
comply with the laws or regulations of any jurisdiction, domestic or foreign,
or any agreement entered into with or between Authorities that Citigroup is
subject to.

What can we do if you are in default?

23.2 If you are in default ,to the extent permitted by law, we may require the immediate
payment of the unpaid Current Balance plus any accrued interest, any fees and charges
or all amounts due and owing but not yet charged to your Card Account, including any
reasonable enforcement expenses.

OR

23.3 If you are in default, and if required by law, we will send you a written notice stating
that you are in default under this agreement and specifying the consequences of such
default. To the extent permitted by law, a written notice sent to your last known
address meets the notification requirement under this Agreement whether or not
you are contactable. It is important that you keep your personal information up-to-
date and complete.

23.4 To the fullest extent permitted by law, if:

(a) any Event of Default has occurred and you do not remedy the Event of
Default before the expiry of the time specified in the notice given to you or
under these terms and conditions; or

(b) there is an Event of Default that cannot be remedied, upon termination of

the use of your Card for any reasons above,

the whole outstanding balance on the Card Account will become immediately due
and payable to us. In addition, all further monies debited to your Card Account after
the date of such termination, including all interest, fees and charges incurred before
termination will become due and payable upon its entry into your Card Account.

87
23.5 If we obtain judgment from any Court for any sum owing under these terms and
conditions, any interest, finance charge, late payment charge or any other charges
payable will continue to be payable from the date of judgment until the date of full
payment of such sum of money so adjudged to be payable to us.

23.6 If you have committed any Event of Default or are in breach of a Card Account or any
of these terms and conditions, this will result in you being in breach or default of any
other of your Card Accounts and/or Other Bank Accounts. If we are entitled to
remedies in respect of one Card Account, we are also entitled to such remedies in
respect of your other Card Accounts and/or Other Bank Accounts.

23.7 If: Then we may take the following action as we

reasonably deem fit depending on the
circumstances and significance of the default:

(i) an Event of Default occurs;
and
(ii) the Event of Default can be
remedied, but you do not
remedy the Event of Default
within the period of time
specified in the notice; or
(iii) at the end of the time
specified in the notice, you
have remedied that Event of
Default but have committed
another Event of Default of
the same type; or
(iv) the Event of Default cannot
be remedied
(a) suspend the use of your Card and Card
Account;
(b) close, cancel, terminate or block your
Card Account or any Card or Payment
Facility, in which event, all provisions
in these terms and conditions relating
to termination will apply;
(c) refuse to authorise any transaction;
(d) give notice of cancellation, block or
refusal to any merchant;
(e) require you to immediately pay all or
part of the outstanding balance of
your Card Account;
(f) transfer, set off against, combine or
consolidate any of your other bank
accounts with us toward repaying the
outstanding balance and/or any sums
owing by you under these terms and
conditions – please see the section on
“Consolidation of Accounts and Set-
Off” below;
(g) reduce your Credit Limit and/or
Customer Credit Limit; and/or
(h) all monies owing under any applicable
Fixed Payment Option will
immediately become due and payable
by you and we may as we deem fit,
charge it to the Card Account.

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 However, we will not combine or set-
off your Card Account with any other
account maintained by us where the
applicable law prevents us from doing
so.

Our Right to Outsource Debt Collection or Sell the Defaulted

Credit Loan
23.8 You agree that if we may, at our discretion outsource our debt collection rights to third
parties and/or sell your defaulted credit loan to a third party by giving you adequate
prior written notice.

23.9 You expressly agree that we may appoint an agent (“the Agent”) to collect all sums due
and owing to us from you under these terms and conditions and we may disclose to
the Agent your Card Account and any other relevant information relating to your Card
Account to assist the collection of all sums due and owing to us by you.

23.10 Any notice of such outsourcing and/or sale of defaulted credit loan may be given to you
at your last known address as notified to us.

Consolidation of Accounts and Set-Off

23.11 As noted above, in the event of the occurrence of any of the Event or Events of Default,
we may, at any time with adequate prior written notice:

(a) combine or consolidate any of your Other Bank Accounts with us (whether
located in or outside of Malaysia and whether in Ringgit Malaysia or in any
other currency); and/or

(b) transfer or set-off any sums standing in credit in your Other Bank Accounts
(whether matured or not and including a joint account with a Supplementary
Cardholder and a joint account with any other person),

towards discharge of all sums due to us under any of your account(s) with us even if
the credit balances and the liabilities in any or all of your Other Bank Accounts may not
be expressed in the same currency.

23.12 You authorise us to make any necessary conversions at our prevailing exchange rates
(which will be determined by us at our discretion and as we deem fit in accordance
with Section 12 above on “International and foreign currency transactions”), if the
balances in any or all of your Other Bank Accounts and the sums due are not expressed
in the same currency. Further, you authorize us to make any necessary conversions at
our own rate of exchange then prevailing at the date of set-off. The consequence of
accounts being combined will be that one balance remains and if that is a debit balance,
you will remain liable to us for that amount.

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23.13 The consequence of set-off is that amounts that you and we owe to each other are
reduced by the same amount. We will not exercise these rights so as to cause a liability
to become secured if we agree that it would not be secured.

23.14 Notice will be given to you prior to the set-off or consolidation of your accounts.

23.15 In the case of joint accounts,

(a) we may set-off the liabilities of any joint account holder to us on any accounts
against the credit balance in the joint accounts; and

(b) where the said sums have been incurred by only one or some (but not all) of
the joint account holders, our rights above will also extend to credit balances
to which all the joint account holders are singly or jointly entitled.

23.16 Where monies are set-off by us following the exercise of our rights, you undertake that
you will not, without first obtaining our prior written consent, withdraw or cause any
act that would result in the withdrawal of such monies. We reserve the right to earmark
such monies before the setting-off by giving adequate prior written notice to you.

Suspense Account
23.17 To the fullest extent permitted by law, to enable us to preserve the liability of any party,
including yourself, once a writ or summons or any originating process has been issued
or to prove in your bankruptcy or insolvency or for other reasons as we reasonably
think fit or necessary for such purpose, we may place and keep any monies received,
recovered or realized under these terms and conditions or any other security or
guarantee to your credit, without any intermediate obligation on our part to use such
monies to discharge the sums due and owing to us.

Will you be liable to pay enforcement/collection expenses?

23.18 Enforcement /collection expenses may become payable under the agreement in the
event of a default. If you are in default, we may recover reasonable expenses we
reasonably incur in enforcing our rights after you are in default. These would include
all legal costs (including costs on a solicitor and client basis), charges and expenses
incurred to enforce this agreement or incurred by us in obtaining or seeking to obtain
payment of monies owing by you to us.

23.19 We may charge these enforcement expenses to your Card Account and those
enforcement expenses will be payable immediately.

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24. Additional terms about closure, blocking or
cancellation of your Card Account or a Card
How can you close your Card Account or cancel a Card?
24.1 You may at any time close your Card Account by:

(a) contacting us or making a request via contacting CitiPhone Banking or by

giving prior written notice to us; and

(b) paying all outstanding balances (including interests, fees and charges) and
any amount of any transactions effected through the use of your Card
(whether before or after the termination of your Card), including
transactions effected but not yet posted to the Card Account, enforcement
expenses and transactions arising from any mail or telephone order schemes,
existing standing instructions or otherwise, made or purported to have been
made by you to a merchant for the provision of goods and services and
charged to the Card Account.

24.2 We will process your request to close your Card Account as soon as is practicable,
provided that the balance of your Card Account is zero.

24.3 You may cancel a Card by contacting us or making a request by contacting CitiPhone
Banking or by giving prior written notice to us and returning the Card cut in halves or
several pieces across the magnetic strip and across the microchip embedded in the
Card (if any) at your own cost.

24.4 If you close your Card Account or cancel a Card, you should take steps to notify anyone
that you have given your Card Account or Card details to for payment (such as
Recurring Card Instructions) so that those requests for payments are not declined.

When can we close or block your Card Account or Payment

Facility, or cancel a Card?
24.5 If we have good reason to do so (such as a change in law or where any of the events in
Section 24.8 below apply), we may withdraw any of the facilities provided by us in
connection with the use of your Card at any time by giving adequate prior written
notice to you. In such circumstances, we may terminate the use of your Card if we
reasonably deem fit, even if we may have waived our rights on some previous
occasions.

24.6 You agree that we are under no obligation to reveal the reason for the withdrawal or
termination of the use of your Card and/or any of the facilities provided by us in
connection with the use of your Card.

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24.7 For the avoidance of doubt, there will be no refund of annual fee if your Card account
is closed, cancelled or terminated for any reasons whatsoever.

24.8 We may also close or block your Card Account, cancel a Card or block or cancel your
access to a Payment Facility, at any time, where:

(a) an Event of Default has occurred;

(b) you have not activated your Card within a time frame stipulated by us;

(c) your Card Account has not been used for a period of 24 months or more or
any other period as specified by us;

(d) we do not have all the identification information we need;

(e) we are unable to verify your personal information or Card Account

information;

(f) we reasonably suspect that you or a Supplementary Cardholder has, or may

be, involved in a fraudulent or other unlawful activity;

(g) we reasonably suspect that you or a Supplementary Cardholder made a

materially false or misleading representation to us;

(h) we reasonably suspect that a Card, Security Code, Device or Identifier or a

process intended to prevent Unauthorised Transactions has been
compromised or security has otherwise been compromised.

(i) we reasonably believe that by allowing the Card Account to remain open, a
Card active or a Payment Facility to remain available, it may have a materially
detrimental effect on our reputation or it may cause you or us loss, breach
any applicable law, any regulations, directives or guidelines issued by any
relevant authority including BNM, or code of conduct, or breach this
agreement where the breach would have a materially adverse effect on you
or us; or

24.9 We may, acting with reason, close or block your Card Account, cancel a Card or block
or cancel a Payment Facility at any time by providing you with at least 30 days prior
written notice save and except where such notice is not possible or not required having
regard to the circumstances (for example when there is reasonable suspicion of
criminality, breach of applicable laws, non-payment of interests that are due and
bankruptcy).

When can we decide not to provide you with further credit?

24.10 For any of the reasons set out above in Section 24.8, or due to changes to law or to
our business or circumstances, we may decide, by giving you written notice and
whether or not you are in default, not to provide you with further credit and/or where
reasonable, to cancel any Card issued to you or a Supplementary Cardholder.

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 What happens if your Card Account or Payment Facility is closed
or blocked, a Card is cancelled, or we decide not to provide you
with further credit?
24.11 If your Card Account is blocked or closed, a Card is cancelled, or we decide not to
provide you with further credit in accordance with the terms of this agreement:

(a) your obligations under this agreement continue until you pay us the total
amount you owe us (meaning the Current Balance plus any accrued interest,
any fees and charges or all amounts due and owing but not yet charged to
your Card Account). This means you must pay us the amounts you owe us
under these terms and conditions (including any amount processed to your
account after the block, cancellation, closure or decision;

(b) you or a Supplementary Cardholder must not undertake any further

transactions and we can reject any transactions made after that time;

(c) credit card statements will continue to be given to you and you must pay the
Minimum Monthly Payments due each month until you have paid us the
total amount you owe us; and

(d) where a Card Account is closed or a Card is cancelled, you and any
Supplementary Cardholder must cease using the cancelled Card (or Cards)
immediately and destroy all relevant physical Cards.

24.12 In addition, you:

(a) remain responsible for all amounts withdrawn from your Card Account; and

(b) must notify anyone that you have given your Card or Card Account details to
for payment (such as Recurring Card Instructions) so that they do make
requests for payments that will be declined.

24.13 If your access to our Digital Banking Services or CitiPhone Banking is cancelled or
blocked, we may refuse any transaction that you or any Supplementary Cardholder
initiates through those services.

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25. Additional terms about changes we can make
to your agreement
What changes can we make to this agreement?
25.1 By giving you adequate prior written notice in accordance to Bank Negara Malaysia
guidelines or any laws, regulations or directives in force for the time being, we may
reasonably vary or change any of these terms and conditions.

25.2 Subject us giving you the requisite prior written notice, we may make the following
changes to these terms and conditions for one or more of the following reasons:

(a) changing the Interest Rates/Finance Charges;

(b) changing the amount, frequency, time for payment of or a change in the
method of calculation of instalments or Minimum Monthly Payments;

(c) changing the amount, frequency, time for payment of a fee or charge, or
impose a new fee or charge;

(d) changing the Credit Limit;

(e) changing the method of calculating or charging interest (including any

Interest Free Period);

(f) to comply with any change (including a changing interpretation of) or

anticipated change in any relevant law, code of practice, guidance or general
industry practice;

(g) to reflect any decision of a court or decision or guidance of an ombudsman

or regulator;

(h) to reflect a change in our systems of procedures including for security

reasons;

(i) as a result of changed circumstances (including by adding benefits or new

features);

(j) to respond proportionately to changes in the cost of providing credit

(including by changing Interest Rates/ Finance Charges); or

(k) to make them clearer.

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25.3 Such variation applies on the effective date specified by us in accordance with the
applicable laws and Bank Negara Malaysia guidelines and will apply to all outstanding
balance in your Card Account, among others.

25.4 In line with our commitment to upgrade your Card’s services and benefits, we may also
review and/or revise any of the features and benefits listed in any brochures printed
by us or appearing on our website.

How and when will you be notified if we make changes to your

agreement?
25.5 Notice by us may take any written form. Any variations or changes to these terms and
conditions are deemed to have been incorporated into these terms and conditions and
have been drawn to your attention by:

(a) their being displayed at any of our offices or branches nationwide;

(b) their inclusion in your monthly statement;

(c) a notice of the amendments and variations being sent to you;

(d) being advertised or advertisement in one issue of a daily national newspaper

addressed to the general public;

(e) posting on our website; or

(f) any other mode which we deem sufficient in accordance with the applicable
laws and Bank Negara Malaysia guidelines.

25.6 For the avoidance of doubt, the absence of notice of termination from you and the
retention or use of your Card after the effective date of any variations or changes to
the terms and conditions is deemed to constitute acceptance of such variations,
revisions or changes by you without any reservation.

25.7 If, following notice of the proposed changes to your agreement, you decide you no
longer wish to use your Card Account, you must terminate the use of your Card by
contacting CitiPhone Banking or giving prior written notice to us, before the effective
date of such proposed variation. The provision relating to termination above will
subsequently apply, followed by you cutting your Card it into halves or several pieces
across the magnetic strip and the microchip embedded in the Card (if any) so that those
components are completely damaged.

26. Additional terms about data and analytics

26.1 So that we can open and administer your Card Account, manage your Card and improve
our services and product offerings we will collect, analyse and share with our partners
and affiliates information which:

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 (a) you give to us in connection with a Card and the Card Account;
(b) we automatically collect as a result of the operation of a Card and the Card
Account, This may be collected from a range of methods including cookies (small
pieces of information that we send to your computer, tablet or mobile devices)
and other similar tracking devices / tools. It includes information about how you
manage and use your Card, your behaviours, actions or interests demonstrated
across our digital platforms;
(c) we collect as a result of customer interactions such as customer feedback, call
recordings, surveys;
(d) we collect from merchants and third parties from the purchases you make with
the Card. This information includes the name of the payer and the merchant or
service supplier (for example, a shop) and the general nature of the goods and
services paid for; and
(e) we obtain from outside sources such as survey agencies, social media agencies,
marketing agencies, credit reference agencies, fraud prevention agencies or data
aggregating agencies.

26.2 You agree that subject to applicable law, we will use and disclose required
information , to:
(a) perform analytics for the following purposes:
(i) applying differentiated interest rates and fees;
(ii) where applicable, enrolling you on our digital apps in order to manage your
Card and Card Account with a view to improve our service and offerings,
including our mobile application, digital credit card statements, biometric
authentication and biometric fraud detection solutions;
(b) share with our affiliates, vendors and data partners in order to prepare
personalised offers of products, services, rewards, discounts and privileges that
are available to your Card with a view to improve your customer experience; and
(c) share your information with our partners, affiliates and vendors , so that they
can send you marketing messages and services that you may be interested in.
26.3 Please see section 27.1 “Privacy” for further details about our collection, use and
disclosure of your information.

27. Additional information you need to know

Privacy
27.1 We have a privacy policy and a credit reporting policy that covers how we manage
and handle your data and information. Please visit
https://www.citibank.com.my/privacyEng/PDPA_Eng.pdf and refer to Section 27.8
below.

Disclosure of your information

27.2 You expressly agree that:

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 (a) the Bank;

(b) the Bank’s head office, branches, representative offices; and

(c) Citigroup, any agents and persons to whom Citigroup outsources the
performance of its operational functions (including, without limitation, any
Third Party Service Provider) and/or who provides any services, whether
within or outside Malaysia and any Payment Infrastructure Provider),

are permitted to process, including but not limited to disclose, collect, use, store,
transfer and share Data.

27.3 For the purposes of the above, “Data” means public and non-public information from
any source about:

(a) you;

(b) your beneficial owners;

(c) any security providers;

(d) persons under the trust;

(e) partners, committee members, directors and officers (where applicable);

(f) authorised signatories;

(g) the subsidiaries, affiliated or associated companies of, or related entities

controlled directly or indirectly by you and any of their respective branches
and offices, wherever situated and their respective beneficial owners,
security providers, persons under the trust, partners, committee members,
directors, officers or authorised signatories; and

(h) any of your and/or security provider’s accounts, transactions and dealings
with Citigroup or any other party.

27.4 The purposes for which Data is collected and further processed depends on the nature
of your relationship with Citigroup and the products and services you obtain from
Citigroup. Purposes for which Data may be used include:

(a) to verify your identity and background;

(b) to establish a relationship between you and Citigroup;

(c) to assess and process applications for products and services;

(d) to conduct credit checks, evaluate and monitor credit worthiness;

(e) for evaluation and due diligence purposes;

97
(f) for servicing you and the provision of products and services to you, including
processing of receipts and payments, ATM services, Citibank Debit & ATM
cards, credit cards, charge cards and other payment instruments;

(g) for communicating and fulfilling marketing offers to you and to allow
Citigroup and selected parties to promote their products and services, but
for purposes of disclosing your personal data to our strategic alliance
partners for marketing and promotional purposes, we will only do so if you
expressly consent to us doing so;

(h) to manage our business and your relationship with us including managing
and maintaining your Account(s) with us;

(i) for data processing purposes;

(j) to evaluate and monitor of products and services;

(k) to respond to inquiries, requests and complaints from you and to resolve
disputes;

(l) for deposit insurance purposes;

(m) to understand your needs and offer products and services to meet those
needs;

(n) for research and development of products and services for your use;

(o) for debt collection purposes;

(p) for enforcement of our rights and obligations of other parties to us and/or
Citigroup;

(q) for assessing, processing and investigating insurance risks and claims;

(r) to enable a party to evaluate any actual or proposed assignment,

participation, sub-participation, and/or novation of our rights and/or
obligations;

(s) to meet legal and regulatory requirements;

(t) to maintain and protect our offices and automatic teller machines (ATM);

(u) for risk management, including prevention, detection and investigation of

crime, including fraud and any form of financial crime;

(v) to maintain records of instructions whether through phone recording, via

electronic, hardcopy or softcopy documents etc;

(w) for such other purposes as permitted or required by applicable law or with
your consent; and

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 (x) for all other purposes incidental or associated with the above.

27.5 You understand and agree that:

(a) the Data may be transferred to, used and stored in other jurisdictions, the
laws of which may not offer the same level of protection as the laws of the
jurisdiction from which the Data originates. The Data may also become
subject to the legal disclosure requirements of other jurisdictions;

(b) Citigroup any agents and persons to whom Citigroup outsources the
performance of its operational functions (including, without limitation, any
Third Party Service Provider) and/or who provides any services, whether
within or outside Malaysia and any Payment Infrastructure Provider are
permitted to transfer, share and disclose the Data, for confidential use, for
the purposes set out above to:

(i) and among Citigroup;

(ii) any agent, contractor, vendor, service provider, professional

advisers (such as lawyers and financial advisers), valuers,
auctioneers, auditors, brokers, communications, clearing or
payment system or intermediary banks, merchants and other
parties which we, Citigroup or such parties above may use in
connection with our, Citigroup or their businesses;

(iii) debt collection agencies;

(iv) BNM and any credit bureau, the Central Credit Reference
Information System (“CCRIS”) and the Dishonoured Cheques
Information System (“DCHEQS”) maintained by BNM, such body or
authority of any jurisdiction, domestic or foreign, having
jurisdiction over Citigroup, credit reporting agencies and any credit
reference agencies;

(v) any financial institution, card association and issue of charge cards,
credit cards, debit cards or other payment instruments;

(vi) a drawee bank providing a copy of a paid cheque (which may

contain information about the payee) to the drawer;

(vii) any actual or proposed assignee, participant, sub-participant or

transferee of any of our rights or obligations;

(viii) to Citigroup and selected parties for the purpose of informing you
of products and services which we believe will be of interest to you;

(ix) our strategic alliance partners for marketing and promotional

purposes but this will be subject to your express consent;

99
 (x) any party giving or proposing to give any guarantee, indemnity or
security to secure your obligations to Citigroup and/or us;

(xi) any person intending to settle any moneys outstanding under any
of your Account(s) with us;

(xii) any liquidator, receiver, official assignee or any person appointed

under applicable law or court order relating to bankruptcy,
liquidation, winding up in respect of any individual or company;

(xiii) such parties as we or Citigroup may be required by legal process or

pursuant to any other foreign or domestic legal, regulatory, stock
exchange, clearing house or self-regulatory body obligation or
request, or agreement entered into by any of them and any
governmental authority, domestic or foreign, or between or
amongst any two or more domestic or foreign governmental
Authorities or other Authorities, including disclosure to courts,
tribunals, legal, regulatory, tax and government Authorities, stock
exchanges, clearing houses and self-regulatory bodies;

(xiv) any parties authorized by you; and

(xv) such parties as may be permitted or required under the laws of

Malaysia,

whether within or outside Malaysia, for any of the purposes set out here.

(c) Citigroup, any agents and persons to whom Citigroup outsources the
performance of its operational functions (including, without limitation, any
Third Party Service Provider) and/or who provides any services, whether
within or outside Malaysia and any Payment Infrastructure Provider may give
your personal data and where applicable, that of your beneficial owners,
persons under the trust, security providers, partners, committee members,
directors, officers or authorized signatories, your subsidiaries, affiliated or
associated companies of, or related entities controlled directly or indirectly
by you and any of their respective branches and offices, wherever situated
and their respective beneficial owners, persons under the trust, partners,
security providers, committee members, directors, officers or authorized
signatories to other parties outside Citigroup, for any use as specified above,
including for commercial purposes;

(d) the consequences of giving of your personal data and those of the other
persons mentioned above to parties outside of Citigroup.

27.6 You agree that:

(a) Citigroup does not guarantee the security of any information transmitted by
or to it through any means of communication or correspondence (including

100
 mail, courier service, e-mail or other electronic means (including short
message service (SMS));

(b) and you accept the risk that such information may be accessed by
unauthorised third parties and/or disclosed by Citigroup and by its officers,
employees or agents to third parties purporting to be the intended recipient;
and

(c) regardless of the above, you agree that Citigroup will transmit such
information to the address or other relevant particulars specified by you, and
that such information may not be protected with encryption, password
protection or any other form of security from disclosure to unauthorised
third parties. You accept the risk that such transmission of information may
be received, accessed or disclosed to third parties other than the intended
recipient(s).

27.7 To the fullest extent permitted by law:

(a) Citigroup is not liable for any loss or damages (including direct or indirect
damages or loss of profits or savings) or liability arising directly or indirectly
in connection with any disclosure of information to third parties by Citigroup
in the course of its carrying out a transaction or an instruction transmitted by
any means of communication or correspondence, where such disclosure
arose through physical or electronic interference by a third party who is not
our agent or representative; and

(b) you will not hold Citigroup responsible or liable, in contract, tort, equity or
otherwise, for any such access or disclosure or for any loss or damages
suffered or incurred by you or any third party as a result of any such access
or disclosure (save where caused by any breach or negligence by us). Any
such liability that we may have is limited to direct damages only. “Direct
Damages” means actual damages or losses suffered by you or any other
party (if caused by us) and shall not include any compensation for special,
punitive, indirect, incidental or consequential damages or losses, including
but not limited to loss of profits, business or value, whether or not
foreseeable.

27.8 You agree to the terms of, and that we may collect, use and disclose Data in the manner
and for the purposes as described in Citibank’s Notice and Choice Principle Statement
(accessible via https://www.citibank.com.my/privacyEng/PDPA_Eng.pdf) and which is
deemed to be incorporated into these terms and conditions.

27.9 You represent and warrant that you have obtained the agreement and consent of all
relevant persons, including your beneficial owners, persons under the trust, partners,
committee members, security providers, directors, officers and authorized signatories,
your subsidiaries, affiliated or associated companies of, or related entities controlled
directly or indirectly by you and any of their respective branches and offices, wherever
situated and their respective beneficial owners, persons under the trust, partners,

101
 committee members, security providers, directors, officers or authorized signatories to
carry out the actions described in this Section 27 on “Disclosure of your Information”.
You have further provided to these parties the necessary notices and secured the
necessary waivers to carry out the actions described in this Section 27 on “Disclosure
of your Information” and will in the future provide the necessary notices and secure
such necessary consents and waivers in advance of providing the information to
Citigroup, any agents and persons to whom Citigroup outsources the performance of
its operational functions (including, without any limitation, any Third Party Service
Provider) and/or who provides any services, whether within or outside Malaysia and
any Payment Infrastructure Provider.

27.10 You agree that your consent in these terms and conditions constitutes your consent for
any such disclosure for the purposes of any requirement, whether statutory,
contractual or otherwise and whether or not having any force of law.

27.11 You expressly authorize us at any time and from time to time to process including but
not limited to access, obtain, verify and/or use any Data or information from any source
(including credit reference agencies, credit reporting agencies, BNM, any credit bureau,
and/or CCRIS and such relevant Authorities) for purposes of evaluating your (including
all the guarantors’ and security providers’, as may be applicable) credit standing in
connection to any facility, service or accommodation requested or authorized by you
which you have or may have (whether or not with us) or otherwise in relation to any
proposed facility, service or accommodation which we may from time to time offer as
we may at our reasonable discretion deem fit. You understand that the opening,
operation and conduct of your Account(s) and any future facility, service or
accommodation applied for by you or granted by us (whether in your sole name or
jointly or severally with another or others, presently or subsequently opened) may be
reported to DCHEQS maintained by BNM, CCRIS and such relevant Authorities (as the
case may be) as we may at our reasonable discretion deem fit (such as where we are
required by law or any agreement to do so).

27.12 Your request, permission and authorization granted in these terms and conditions
(including for the disclosure of the Data as provided in or contemplated by these terms
and conditions) shall remain in full force and effect (regardless of whether any facility,
service or accommodation have been utilized, cancelled or terminated) as long as it
may be necessary or required by us or any law and you confirm that no further request,
permission or authorization (collectively referred to as “Consent”) is necessary or
required in relation to such disclosure.

27.13 Your Consent shall in addition to and shall not affect any other future of existing
Consent that may or will be given by you, in relation to the same subject-matter or
otherwise.

27.14 To the fullest extent permitted by law, we are entitled (but not obliged) to:

(a) verify or ensure that any Data/information is true, complete and accurate;

(b) update the Data/information; or

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 (c) notify any relevant person of any changes or updates to the
Data/information.

27.15 To the fullest extent permitted by law, no liability to you arises from any disclosure
and/or transfer of any Data/information (as contemplated by this Section 27 on
“Disclosure of your Information”) under any circumstances for any loss or damage
(whether direct or indirect, foreseeable or unforeseeable) and howsoever arising
(whether in contract, tort or otherwise), including any loss or damage resulting from:

(a) our or any other person’s disclosure or transfer of the Data/information;

(b) our or any other person’s reliance on the Data/information; or

(c) the Data/information being inadequate, inaccurate, incorrect, untrue,

erroneous or misstated for any reason, including:

(i) any of our act or omission or any act or omission of any other
person (including any delay in or failure to update or notify of any
changes to the Data/information); or

(ii) any technical, hardware or software failure, interruption,

breakdown or error,

save where such loss or damage is caused by any breach or negligence by us.

27.16 To the fullest extent permitted by law, you shall fully indemnify us from and against all
claims, expenses, legal actions and liabilities which may from time to time be brought
against or incurred by us in relation to the disclosure or transfer of any
Data/information provided by you and/or caused by you or anything within your
reasonable contemplation or control. The amount of such liabilities indicated by us
shall be conclusive save where there is fraud or manifest error. This section applies
whether or not any facility, service or accommodation has been utilized, cancelled or
terminated.

Communications
27.17 In this Section,

(a) “Communication” means:

(i) any notice, request, reminder, legal process, telephone call,

electronic mail (whether encrypted or not), short message services
(SMS) provided by telecommunications providers, or such other
means and/or other communication by us to you; and

(ii) any certificate, statement, notice, demand or other

communication given by you to us:

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 AA. via the telephone or CitiPhone Banking (“Telephone
Communication”); or

BB. via electronic or digital transmission (“Electronic

Communication”);

(b) We may send any Communication to you by leaving it at, or by sending it by

prepaid ordinary post to, your last known address (whether within or outside
Malaysia and whether such address is a Post Office Box or is a place of
residence or business) as may be provided to us or our solicitors;

(c) Regardless of the above, we may also contact you via telephone, electronic
mail (whether encrypted or not), SMS provided by telecommunications
providers, or such other means, to provide you with account related
information (including informing or reminding you about your Card Account
payment status). In such cases, the Communication will not bear any
signature, and we will not be held liable for any technical, hardware or
software failure, interruption, breakdown or errors arising from such
communication.

27.18 Any Communication is deemed to have been received by you on the date of delivery if
it is delivered by hand; or on the date immediately after the date of posting if sent by
post; or on the date of transmission if sent by electronic or digital transmission.

27.19 We have given you the Card Account based on the personal and financial information
that you have disclosed to us. You must tell us immediately of any change to your
financial situation which will affect your ability to meet your payment obligations under
the Card Account.

27.20 To the fullest extent permitted by law, if it will become unlawful for us to perform any
of our obligations under these terms and conditions, we will notify you to this effect
whereupon you will upon receipt of such notice pay to us all sums which you owe us.

27.21 Notwithstanding anything to the contrary in these terms and conditions, it is agreed
that any certificate, statement, notice, demand or other communication given or
required to be given to you may be computer generated in which case it:

(a) need not bear any signature; or

(b) may contain a printed signature.

27.22 Every certificate or statement and every notice, demand or other communication
under these terms and conditions must be given:

(a) in accordance with the provisions of any applicable law;

(b) in accordance to the Bank’s rules and regulations; or

(c) in accordance with the provisions of this Section 27 on “Communications”.

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27.23 We are authorized by you, but are not obliged, to rely upon and act in accordance with
any Telephone Communication and/or Electronic Communication which may be, or
purport to be, given by or on behalf of you, without inquiry or verification on our part
as to the authority or identity of the person making or purporting to make such
Communication.

27.24 The Bank may rely upon and act in accordance with such Communication provided that:

(a) In the case of Telephone Communication, the Phone Banking terms and
conditions appearing above will govern such communications and the person
making or purporting to make such Communication has:

(i) quoted or keyed in:

AA. the title or number of your relevant account with the

Bank and the valid and current personal identifying code
or number (if any) for such account or any personal
information in relation to you which was previously
furnished by you to the Bank; and/or

BB. such information or particulars in accordance with the

Bank’s rules and regulations;

or

(ii) satisfied such requirements as may be required by the Bank;

(b) in the case of Electronic Communication, the person making or purporting to

make such Communication has satisfied such requirements as may be
required by us or the Bank’s rules and regulations.

27.25 We are entitled (but not bound) to treat the Communication as authentic and valid and
fully authorized by and binding upon you, and the Bank is entitled (but not bound) to
take such steps in reliance upon such Communication as we may consider appropriate,
whether such Communication:

(a) includes Communication to pay money or otherwise to debit or credit any

account;

(b) relates to the disposition of any money or documents;

(c) relates to the change of the Customer’s contact details;

(d) purports to bind you to any agreement or other arrangement with the Bank
or with any other person; or

(e) commits you to any other type of transaction or arrangement whatsoever,

notwithstanding any error or misunderstanding or lack of clarity or details in
the terms of such Communication.

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27.26 You agree to keep any personal identifying code or number for your Card, Card
Account(s) and/or any account(s) with the Bank strictly confidential at all times, and
must not disclose or permit it to be disclosed to any person. You must report to the
Bank immediately if any such personal identifying code or number has become known
to any person. You bear all the consequences arising out of your failure to comply with
your obligations under this Section 27 on “Communications”.

27.27 Subject to the provisions on indemnity, and to the fullest extent permitted by law, you
agree and undertake to indemnify us and to keep us indemnified against all losses,
costs and expenses incurred or sustained by us in connection with our reliance on such
Communication given by you via the telephone or via electronic or digital transmission.

27.28 Regardless of anything to the contrary contained in this Section 27 on

“Communications”, where there are two (2) or more persons comprised in the
expression "you", “your” or “yours”:

(a) any Communication given or required to be given to you in these terms and
conditions, and which is given by us to any one or more of such persons, is
deemed to be given to (and is binding on) all such persons as though such
Communication had been given to all such persons; and

(b) we are entitled (but not bound) to treat any Communication given or
required to be given to us in these terms and conditions, and which is given
to us by any one or more of such persons, as having been given by all such
persons. Such Communication is deemed to have been given by, and is
binding on, all such Communication given by all such persons;

(c) and you hereby confirm and declare that each such person is individually
authorized to receive and/or give any and all such Communication from
and/or to us on behalf of all such persons.

27.29 Any Communication from you to us is irrevocable and is effective only when received
at the address or contact number notified to you.

27.30 Any notice or other document to be given under these terms and conditions by you to
us must be in writing and may be given or sent by hand or registered post to us at the
address that we may notify to you in the statement sent to you or by any other means
deemed suitable by us, or to the address set out below:

By Mail By Hand
Customer Correspondence Unit Customer Correspondence Unit
Citibank Berhad Citibank Berhad
P.O.Box 11725 No. 165, Jalan Ampang
50754 Kuala Lumpur 50450 Kuala Lumpur

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 Service of Legal Process
27.31 To the fullest extent permitted by law, any notice, request or legal process will be
deemed to have been served on you if sent by prepaid ordinary post to your last known
address (whether such address is a Post Office Box or is a place of residence or
business) as may be provided to us or to our solicitors. Nothing in this section will affect
our rights to serve any legal process in any other manner permitted by law.

27.32 Such legal process or document is deemed to have been received by you on the 5th
day from the date it is posted.

27.33 Where you do not reside in Malaysia, you undertake to nominate an agent with an
address in Malaysia to accept service of any legal process in Malaysia, if requested to
do so by us. Such agent must acknowledge in writing to us of its appointment as such
agent and service of legal process on the agent will be deemed good service on you.

27.34 For the purposes of this Section 27 on “Service of Legal Process”, “legal process”
includes all forms of originating process, pleadings, interlocutory applications of
whatever nature, affidavits, orders and such other documents and notices as may be
required to be given or served under any legislation or subsidiary legislation.

Telephone Monitoring and Recording

27.35 You authorise us to contact you by telephone about your Card Account. You agree that
we may place such telephone calls using automatic dialling, and that such calls are not
unsolicited calls.

27.36 We may monitor and/or record telephone calls between you and us. You agree that
monitoring and/or recording may be done and that no additional notice to you or
additional approval from you is needed. You agree and authorise us to use such
recordings (or transcript of such recordings) for the purposes of investigation or any
legal proceedings.

Electronic Communication
27.37 When you open an account, you consent to receiving statements, notifications,
information or documents that we are required to give you in relation to any credit
contract you enter into with us, where permitted by law, by electronic communication.
This includes, where permitted by law, sending them to your nominated email address,
making them available for a reasonable period on our information system for retrieval
by electronic communications by you, messaging in mobile apps (Citi Mobile® App) and
through social media platforms. In this case, paper documents may no longer be given
and you must check electronic communications regularly for documents from us.

27.38 You may withdraw your consent to receive communications by electronic

communication at any time by contacting Citiphone Banking or by opting-out
electronically (if applicable).

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 Additional Services or Products
27.39 Citibank may in its reasonable discretion:

(a) introduce or provide other products, additional facilities or services to you

upon such terms and conditions as Citibank may specify;

(b) furnish you with information relating to and in connection with any
investment possibilities, banking and investment products (including unit
trusts, treasury and other financial derivatives) in any jurisdiction; and

(c) introduce new methods of procuring transactions which arise in the course
of providing banking and other services to you.

At Citibank we endeavor to keep you informed of the latest marketing and promotional
offers we feel would be useful and beneficial to you. These include programmes you
may find valuable in helping you manage your account such as product or service
upgrades, credit line increases and other benefits.

27.40 However, you can choose not to receive these materials should you so desire, by calling
CitiPhone Banking – see the section below on “Contact Us” for further information.
Please allow 8 to 10 weeks for your request to take effect. If you would like to be
reinstated, simply call our CitiPhone Banking officers and we will gladly assist you with
your request.

Time of Essence
27.41 Time is of the essence under these terms and conditions.

Privacy for Consumers at Citi

27.42 Our goal is to maintain your trust and confidence when handling your personal
information.

You Have Choices

27.43 As a Citigroup customer, you have the opportunity to make choices. As you consider
this, we encourage you to make choices that enable us to provide you with quality
products and services that help you meet your financial needs and objectives.

Security of Personal Information

27.44 The security of your personal information is our priority. We protect this information
by maintaining physical, electronic, and procedural safeguards that meet applicable
laws. We train our employees in the proper handling of personal information. When
we use other companies to provide services for us, we require them to protect the
confidentiality of personal information they receive.

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 Additional Products Available for Cardholders

27.45 Additional products, instalment plans and Balance Transfer plans for Cardholders
which are made available in conjunction with Citi credit cards. For more information,
please click on the desired product links below:

(1) Easy Payment Plan

https://www.citibank.com.my/english/existing-
Citi Easy Pay cardmembers/cardmembers-
epp.htm?lid=MYENCBLCCLNTLEasyPayInstalmentPlanARAI

(2) Credit Card Instalment Plan

Auto Balance
https://www.autobalconvert.com.my/
Conversion

Need more help?

27.46 If you have any questions about your Card or how it operates, please visit our website
www.citibank.com.my for more information or help.

Alternatively, you may seek the services of Agensi Kaunseling Dan Pengurusan Kredit,
an agency established by Bank Negara Malaysia to provide free services on money
management, credit counselling, financial education and debt restricting for
individuals.

In addition, BNM has introduced POWER! Pengurusan Wang Ringgit Anda program.
This program provides useful information to encourage prudent money management
and financial discipline. For more information or to register for the program, log on to
www.akpk.org.my or call 03-26167766.

Contact us
27.47 For more information visit us at www.citibank.com.my.

You can contact us at any of the following numbers:

03-2383 0000 (KL)

04-296 0000 (Penang)
07-340 6000 (JB)
1800-82-1010 (Sabah & Sarawak)

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 or by writing to our Customer Correspondence Unit, Citibank Berhad, P.O. Box 11725,
50754 Kuala Lumpur, or logging in to Citibank Online at www.citibank.com.my to email
us.

27.48 We are here to listen and work with you to resolve any problems or issues. We will
make every effort to resolve matters through our complaints resolution process and
ask that you give us this opportunity. For any general enquiries or feedback that is non-
account related, contact our agents through the link
https://chat.citibank.com.my/MY/WebChat/ or through the phone icon which is
located on the right hand side of the www.citibank.com.my webpage.

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